Is It Legal to Pay with Crypto in India?

India’s relationship with cryptocurrency has always been complicated — not banned, but not clearly defined either. As one of the world’s fastest-growing technology markets, India is home to millions of crypto users and hundreds of blockchain startups. Yet, despite the enthusiasm, many organizations and individuals still ask the same question:

“Is it legal to pay people with cryptocurrencies in India?”

The short answer is: Yes — but with strict conditions.

While cryptocurrencies like Bitcoin and Ethereum are not illegal in India, they are heavily regulated and taxed. The government has made it clear that while citizens are allowed to hold, trade, and use digital assets, these transactions fall under taxable financial activity, not unregulated cash transfers.

The Indian government’s stance has evolved significantly over the past few years. In 2018, the Reserve Bank of India (RBI) issued a circular effectively banning banks from offering services to crypto-related businesses. This move caused panic across the ecosystem and led to years of uncertainty.

However, the Supreme Court of India struck down that ban in 2020, calling it unconstitutional. Since then, crypto has occupied a middle ground — recognized as a taxable asset class but not granted full regulatory clarity.

So, what does this mean for companies or individuals looking to pay salaries, bonuses, or service fees in crypto? It means compliance and documentation are non-negotiable.

Anyone paying or being paid in cryptocurrency must adhere to India’s existing taxation, anti-money laundering (AML), and know-your-customer (KYC) regulations. Every crypto transaction — whether in Bitcoin, Ethereum, or stablecoins — must be transparent, traceable, and properly reported.

However, the lack of dedicated legislation for digital assets also creates gray areas. For example:

• Stablecoins pegged to INR or USD have no formal regulatory framework.
• NFTs and tokenized assets can sometimes resemble securities, depending on how they’re structured.
• Crypto compensation for employees or contractors introduces added complexity around valuation and withholding.

This article breaks down how the current Indian legal and tax framework applies to paying people in cryptocurrency — covering Bitcoin, stablecoins, NFTs, and other digital assets. We’ll also explore AML and KYC obligations, tax implications, and practical compliance steps businesses can take to stay on the right side of the law.

At Toku, we specialize in making token-based compensation compliant and seamless across jurisdictions — including India. Our goal is to help crypto companies and global employers navigate these uncertain legal environments without compromising on compliance, speed, or employee experience.

Let’s dive deeper into what’s currently legal, what’s not, and what businesses must watch for when it comes to crypto payments and digital assets in India.

Legal Status of Cryptocurrencies and Digital Assets in India

India’s legal position on cryptocurrencies has evolved through a decade of debate, litigation, and incremental policy updates. As of 2025, cryptocurrencies are not banned in India — but they exist under a regulated and taxable framework, not a free or unregulated one.

Understanding this distinction is crucial for both companies and individuals who wish to pay or receive compensation in digital assets.

From RBI Restrictions to Supreme Court Reversal

The story begins in April 2018, when the Reserve Bank of India (RBI) — the country’s central bank — issued a circular prohibiting all regulated financial institutions from providing services related to cryptocurrencies. This effectively cut crypto companies off from India’s banking system.

The industry responded with legal challenges, arguing that the RBI’s circular stifled innovation and violated the constitutional right to carry out a legitimate business. After nearly two years of uncertainty, the Supreme Court of India overturned the ban in March 2020, declaring the circular unconstitutional.

This judgment fundamentally reshaped the landscape. It didn’t create new laws or licenses for crypto businesses — but it restored the right of individuals and companies to hold, trade, and transact in cryptocurrencies, provided they comply with existing financial and tax regulations.

“The Supreme Court’s verdict made one thing clear: crypto is not illegal in India — it’s just not formally regulated yet.”

Crypto Today: Taxed, Not Banned

Since the 2020 ruling, the Indian government has taken a “regulate through taxation” approach. Rather than outlawing crypto, it has chosen to recognize it as a virtual digital asset (VDA) under the Income Tax Act, 1961.

This classification means that any income, gain, or compensation received in cryptocurrency is subject to capital gains tax or income tax, depending on the nature of the transaction.

• Buying, selling, or holding crypto is legal.
• Using crypto for payments is not banned, but it must comply with KYC, AML, and tax laws.
• Receiving crypto as compensation is legal, provided the fair market value is properly declared as income.

In short:

Crypto transactions are legal — but they’re also visible, taxable, and reportable.

Ambiguity Remains in Certain Areas

While trading and holding cryptocurrencies are permitted, certain aspects of digital asset usage remain legally undefined, such as:

• Token-based payroll and whether it qualifies as a cross-border remittance.
• Stablecoins pegged to INR or USD, which currently lack explicit RBI or SEBI oversight.
• Utility tokens and NFTs, which can sometimes fall under securities or goods classification depending on use case.

Because there’s no dedicated Crypto Regulation Act yet, the application of laws often depends on the intent, structure, and purpose of the digital asset involved.

For example:

• Paying employees in Bitcoin may be treated as foreign asset transfer if routed through wallets abroad.
• Rewarding contributors with stablecoins may trigger foreign exchange compliance under FEMA (Foreign Exchange Management Act).
• Issuing tokens that resemble securities could attract oversight from SEBI (Securities and Exchange Board of India).

The Bottom Line

While India has not banned cryptocurrency, it has also not provided a comprehensive regulatory framework for it. The legal status of crypto in India can be summarized as:

✅ Legal to hold, trade, and pay with crypto
⚠️ Subject to strict tax reporting and compliance
❌ Not yet recognized as legal tender

This means businesses must approach crypto payments with care. Every transaction should be backed by clear documentation, proper valuation, and verified counterparties — ensuring compliance with India’s existing financial and tax laws.

At Toku, we help organizations navigate these nuances — managing everything from token payroll and benefits to compliance reporting and valuation for digital asset compensation in markets like India, where clarity is still developing.

Regulatory Framework for Stablecoins in India

Stablecoins have become one of the most discussed topics in India’s digital-asset ecosystem. For Web3 companies and DAOs that rely on stablecoins to pay contributors, they offer the ideal balance between crypto flexibility and price stability. But in India, their legal and regulatory footing remains unclear.

As of early 2025, no specific legislation or RBI circular directly governs stablecoins, whether they’re pegged to the Indian Rupee (INR) or to global currencies like the USD.

Stablecoins Exist in a Legal Gray Zone

Because stablecoins are designed to maintain a 1-to-1 value with fiat currencies, they occupy a middle ground between cryptocurrencies and financial instruments. The RBI has not formally approved their issuance or use for settlements, yet it hasn’t prohibited individuals or businesses from holding or transacting with them either.

This regulatory silence effectively leaves stablecoins in a gray zone — not banned, but not officially recognized. Companies operating in India must therefore rely on existing foreign-exchange, tax, and anti-money-laundering laws to determine what’s permissible.

RBI’s Cautious Stance

The RBI has expressed consistent caution toward privately issued digital currencies. Its primary concerns include:

• Monetary-policy impact: Large-scale INR-backed stablecoins could interfere with the central bank’s control over money supply.
• Consumer protection: Without regulation, users could face losses if the peg fails or if issuers mismanage reserves.
• Cross-border payments: Stablecoin transfers can bypass official channels, raising concerns under the Foreign Exchange Management Act (FEMA).

For now, the RBI promotes its own Central Bank Digital Currency (CBDC) — the Digital Rupee — as the only state-sanctioned digital payment alternative.

Global Stablecoins in Practice

Despite this caution, many Web3 teams in India already use global stablecoins like USDT (Tether) and USDC (Circle) for cross-border settlements or contributor payments. In these cases, companies must ensure:

1. The transaction complies with FEMA when crossing borders.
2. Both sender and receiver complete full KYC verification.
3. The stablecoin’s value is accurately recorded in INR for accounting and tax purposes at the time of transfer.

Failure to do so could expose the company to penalties for unreported foreign transactions or income misclassification.

Domestic INR-Pegged Stablecoins: The Next Frontier

A few Indian fintech and blockchain projects have begun experimenting with INR-backed stablecoins, but none have received formal regulatory approval. These projects will likely require an RBI license similar to that of a payment or remittance provider before going mainstream.

Until the RBI issues clear guidance, INR-based stablecoins should be treated as experimental and used cautiously, ideally only for internal testing or off-chain bookkeeping — not for payroll or public payments.

What This Means for Businesses

If your organization is considering stablecoins for paying employees, contractors, or vendors in India:

• Use them only in cross-border scenarios where compliant on-/off-ramps exist.
• Always report payments in INR equivalent on tax filings.
• Maintain full transaction records (wallet addresses, timestamps, and counterparties).
• Verify that recipients are legally able to receive crypto under their local jurisdiction.

Toku’s platform helps simplify this process by integrating stablecoin payroll with robust compliance workflows, automating FMV conversion, and generating documentation aligned with Indian and global tax frameworks.

Digital Assets and Tokenization in India

While India has clarified the tax treatment of cryptocurrencies like Bitcoin and Ethereum, the legal status of other digital assets — such as NFTs, governance tokens, and tokenized instruments — remains uncertain. These assets are not banned, but their classification can shift depending on how they’re structured, traded, and used.

NFTs: Legal but Largely Unregulated

Non-Fungible Tokens (NFTs) — unique digital representations of art, collectibles, or in-game assets — are legal to buy, sell, and hold in India. However, they exist in a regulatory vacuum.

• There are no dedicated NFT laws under Indian statutes.
• NFTs are not recognized as securities, unless they represent ownership in a revenue-producing entity.
• NFT creators and marketplaces are still subject to general tax, AML, and IT regulations.

For example, an artist selling NFTs on a marketplace is required to report income and pay taxes on any gains. Similarly, if a marketplace facilitates NFT sales, it must perform KYC checks on users and report suspicious transactions under the Prevention of Money Laundering Act (PMLA).

Utility Tokens vs. Security Tokens

One of the trickiest legal distinctions in India concerns utility tokens (which give users access to a product or network) and security tokens (which may represent an investment contract).

While utility tokens are generally allowed — similar to gift cards or in-app credits — security tokens may fall under the jurisdiction of the Securities and Exchange Board of India (SEBI).

SEBI has not yet issued explicit guidance on tokenized securities, but its existing powers under the Securities Contracts (Regulation) Act (SCRA) could apply if a token:

• Promises profits based on the efforts of others, or
• Represents fractional ownership of an asset or project.

If a token meets these criteria, it could trigger registration, disclosure, and compliance obligations similar to issuing shares or debentures.

For companies designing incentive or governance tokens, this means being extremely careful in documentation. Poor structuring could unintentionally bring a startup under SEBI’s enforcement radar.

Tokenized Assets: The Rise of Digital Representation

Tokenization — converting physical or financial assets into blockchain-based representations — is gaining traction in India, especially in the real estate, supply chain, and finance sectors.

However, there’s still no unified legal framework governing how tokenized assets are treated. Key uncertainties include:

• Transferability: Are tokenized shares or property titles legally enforceable?
• Custody: Who has legal ownership of the underlying asset — the token holder or the issuer?
• Taxation: Should token transfers be taxed like property sales or securities trades?

At present, the answers depend on contractual design and intent. In most cases, companies use private, permissioned networks with off-chain legal agreements to ensure enforceability.

How the Indian Government May Approach Tokenization

The Indian government has shown growing interest in tokenization as part of its Digital India and financial inclusion initiatives. Regulators such as the RBI, SEBI, and Ministry of Finance are exploring frameworks for:

• Asset tokenization pilots in regulated sandboxes.
• Blockchain-based registries for trade finance, logistics, and records.
• Digital identity and property records linked to on-chain systems.

While this direction is positive, until a formal legislative framework emerges, companies should tread carefully and work with legal counsel experienced in Indian fintech law to ensure compliance.

Best Practices for Companies Issuing or Using Tokens

If your organization operates in India or engages Indian contributors:

1. Avoid promising returns on tokens unless registered as a security offering.
2. Maintain full KYC documentation for token recipients.
3. Report token payments and valuations in INR under India’s Income Tax Act.
4. Use compliant platforms for token issuance and vesting management.
5. Keep legal and tax documentation for every issuance or distribution.

At Toku, our Token Grant Administration (TGA) platform simplifies token compensation by ensuring that each grant, vesting, and payout is properly documented, valued, and compliant with Indian and international regulations.

AML and KYC Laws: Non-Negotiables for Crypto Transactions in India

Crypto in India might still sit in a regulatory gray zone, but AML and KYC laws are crystal clear — every entity dealing with virtual digital assets (VDAs) must implement strict due diligence, recordkeeping, and reporting procedures.

Whether you’re paying employees, contractors, or community members in tokens or stablecoins, compliance under India’s Prevention of Money Laundering Act (PMLA) is not optional.

PMLA: The Foundation of India’s Crypto Compliance

The Prevention of Money Laundering Act, 2002 (PMLA) forms the backbone of India’s anti-money-laundering regime.

In 2023, India officially expanded the scope of the PMLA to include “activities related to virtual digital assets (VDAs)”, marking the first time crypto businesses were explicitly brought under its purview.

This means that any individual or organization involved in the following activities is now legally considered a “reporting entity” under the Act:

• Exchange between VDAs and fiat currency.
• Transfer of VDAs from one wallet to another.
• Safekeeping or administration of VDAs or instruments that enable control over VDAs.
• Participation in financial services related to the offering or sale of VDAs.

This classification applies not just to exchanges — but also to projects issuing tokens, foundations rewarding contributors, and employers compensating staff or contractors in crypto.

The FIU-IND Registration Requirement

All VDA entities operating in or serving users from India must register with the Financial Intelligence Unit – India (FIU-IND).

The FIU-IND is responsible for receiving, analyzing, and disseminating information related to suspicious or large transactions that could indicate money laundering or terror financing.

Entities that fail to register risk enforcement actions, including penalties, account suspension, or even blocking of their web domains within India.

FIU-IND-registered crypto businesses are obligated to:

1. Perform full KYC/KYB on all counterparties and users.
2. Maintain transaction records for at least five years.
3. Report Suspicious Transactions Reports (STRs) within seven days of detection.
4. Report all cash and high-value transactions beyond prescribed thresholds.

KYC and KYB: More Than Identity Verification

In India, KYC/KYB obligations go far beyond collecting a passport or PAN number. For crypto transactions, they require end-to-end transparency into every party involved.
At minimum, businesses must collect and verify:

• Full name, address, and date of birth (for individuals).
• Corporate registration documents and UBO (Ultimate Beneficial Owner) details (for businesses).
• Purpose and intended nature of each transaction.
• Source of funds used for purchasing or transferring digital assets.

For crypto compensation or payroll, employers should additionally document:

• The fair market value (FMV) of tokens at the time of transfer.
• Employment or contractor agreements specifying crypto payments.
• Wallet addresses and transaction IDs linked to each payment.

This documentation serves as the organization’s defense if audited or questioned by tax or enforcement authorities.

Cross-Border Crypto Payments and FEMA

When crypto crosses borders — for example, paying a developer based in India with tokens from a U.S. DAO — another layer of regulation applies: the Foreign Exchange Management Act (FEMA).

Although FEMA does not explicitly mention VDAs, the Reserve Bank of India (RBI) treats any foreign asset transfer as a foreign exchange transaction.
Thus, crypto payroll or token distributions to or from India must be:

• Reported under applicable foreign remittance rules.
• Valued in INR at the prevailing exchange rate.
• Supported by employment or service contracts outlining the payment terms.

Failing to meet these criteria could trigger scrutiny under FEMA or the PMLA for unreported foreign transactions.

The Compliance Reality for Web3 Projects

For most Web3 companies operating globally, AML and KYC compliance can feel overwhelming — but ignoring it is far riskier.
Violations can lead to:

• Regulatory penalties.
• Banking relationship terminations.
• Loss of credibility with partners and investors.

To avoid this, leading crypto employers rely on integrated compliance infrastructure that automates verification, record-keeping, and reporting.

Toku is designed precisely for this.

Our compliance engine integrates with on-chain transactions, stablecoin payroll, and token grant administration — providing verified KYC/KYB workflows, automated audit trails, and localized compliance reports aligned with Indian regulations.

In crypto, transparency is trust. Robust AML and KYC processes are not just regulatory requirements — they’re a competitive advantage.

Taxation of Cryptocurrencies in India

When it comes to crypto, “legal” doesn’t mean “tax-free.”

India has made it abundantly clear that while cryptocurrencies and tokens can be held, traded, or even used as compensation, they are fully taxable under the Income Tax Act, 1961.

As of 2025, every crypto transaction in India — whether it’s a trade, salary, or bonus — must be properly valued, recorded, and reported. The tax department treats cryptocurrencies, stablecoins, and NFTs as Virtual Digital Assets (VDAs) and taxes them accordingly.

How India Defines Virtual Digital Assets (VDAs)

In February 2022, the Indian government formally inserted Section 2(47A) into the Income Tax Act, introducing the term “Virtual Digital Asset” (VDA).

This definition covers:

• Cryptocurrencies such as Bitcoin, Ethereum, Solana, etc.
• Stablecoins like USDT or USDC.
• NFTs and other tokenized digital representations of value.

Essentially, any digital asset that can be transferred, traded, or stored electronically and represents value falls under this definition.

Flat 30% Tax on Crypto Gains

Under Section 115BBH, any income from the transfer of VDAs is taxed at a flat 30% rate, regardless of the taxpayer’s income slab. This applies to both individuals and businesses.

Example: If a developer sells crypto they received as part of compensation and realizes a ₹200,000 gain, ₹60,000 (30%) is due in taxes.

Key highlights:

• No deductions are allowed for expenses other than the cost of acquisition.
• Losses cannot be set off against other income.
• No carry-forward of losses is permitted to future years.

This means that crypto gains are treated more harshly than most traditional investment income in India.

1% TDS (Tax Deducted at Source) on Transfers

In addition to the 30% tax, India also introduced Section 194S, mandating a 1% TDS on the transfer of crypto assets. This applies whenever a crypto transaction exceeds ₹10,000 in value (or ₹50,000 annually for specific users).

For companies paying employees or contractors in tokens, this means:

• The payer must deduct 1% TDS on the fair market value (FMV) of the crypto.
• The deducted amount must be deposited with the government.
• The transaction must be reported via a TDS return (Form 26Q).

Failing to deduct TDS can lead to penalties and disallowances for the payer, as well as compliance risk under Section 201 of the Income Tax Act.

Taxation of Crypto Compensation

When employees or contractors receive crypto as part of their compensation, it’s not treated as an investment — it’s income.
Here’s how it’s taxed:

1. At Grant or Vesting:
   
   • If tokens are vested or issued to the recipient, the fair market value (FMV) on that date is treated as income.
   • The company must withhold income tax (TDS) based on that FMV.
2. At Sale or Transfer:
   
   • When the individual later sells or swaps those tokens, any gain over the FMV is taxed as a 30% capital gain.

In short: crypto compensation gets taxed twice — once as income when received, and again as capital gains when sold.

This double layer makes compliance and reporting critical for both sides.

GST (Goods and Services Tax) Implications

The Goods and Services Tax (GST) may also apply to certain crypto transactions, particularly when:

• Tokens are used to pay for services (e.g., consulting, marketing).
• Exchanges or DAOs charge fees or commissions in crypto.

While there’s no explicit GST classification for VDAs yet, tax authorities have hinted that crypto-related services may fall under the 18% GST bracket, similar to financial services.Businesses should consult with tax professionals to ensure correct invoicing and reporting in mixed crypto-fiat transactions.

Recordkeeping and Valuation Best Practices

To stay compliant and audit-ready, organizations should maintain:

• FMV records of each crypto payment at the time of transfer.
• Wallet-to-wallet transaction IDs and blockchain timestamps.
• Receipts or contracts confirming the purpose of payment (salary, bonus, service, etc.).
• Exchange rate sources used for INR valuation (e.g., CoinMarketCap, WazirX, or Binance).

At Toku, our Token Payroll Platform automates these steps by generating transaction records, TDS-ready reports, and FMV valuations in INR, simplifying crypto tax compliance across jurisdictions.

Key Takeaway

Crypto in India is not banned — it’s taxed, monitored, and reportable. Whether you’re an employer paying in tokens or a contractor receiving them, full transparency and documentation are essential.

In India, crypto success depends not just on innovation — but on compliance.

Build Compliance into Every Crypto Payment You Make

By now, it’s clear that India’s stance on cryptocurrency is neither outlawing nor embracing — it’s governed by oversight and taxation.

That means every crypto-enabled organization — from early-stage DAOs to multinational token issuers — must proactively bake compliance into their operational model.

Here’s how to stay ahead of regulators, taxes, and audits while still paying people in crypto efficiently.

1. Document Every Transaction Like It’s an Audit

Every payment — whether in Bitcoin, USDC, or governance tokens — should come with proof of purpose and proof of value.

That means recording:

• Who was paid (with verified KYC/KYB information)
• Why they were paid (employment contract, consulting invoice, or reward criteria)
• When it was paid (on-chain timestamp and fiat equivalent date)
• How much was paid (INR-based fair market value at the time of transfer)

This level of documentation not only supports compliance under the Income Tax Act and PMLA, but also protects both payer and recipient if questioned by the Income Tax Department or FIU-IND.

Toku’s platform automates this process — every crypto transaction is instantly logged with FMV, timestamps, and employee or contractor metadata for audit-ready reporting.

2. Localize Token Payroll for Indian Regulations

If your team includes contributors in India, ensure payroll aligns with:

• Tax withholding requirements (TDS) under Section 194S
• Capital gains tracking for token sales under Section 115BBH
• Income recognition for vesting or token grant events

Each jurisdiction handles crypto compensation differently, and India’s tax system is unforgiving to vague reporting.

Using a global payroll provider like Toku helps standardize token distribution while automatically applying INR conversions, withholding, and jurisdiction-specific compliance in one workflow.

3. Treat Stablecoins with the Same Diligence as Fiat

Stablecoins are convenient but not exempt from compliance.

When used for payroll, they must be:

• Valued in INR for every transfer
• Disclosed in income filings
• Linked to verified wallets with identifiable owners

Treating stablecoin transfers like “cash equivalents” ensures that businesses stay clear of RBI or FEMA scrutiny — and positions them as early adopters of compliant, blockchain-based payroll.

4. Use Secure Custody and Recordkeeping Infrastructure

Whether managing token grants, salaries, or staking rewards, every organization needs a custody policy.

This includes:

• Secure, multi-signature wallets for treasury operations
• Access control logs for who can authorize transactions
• Backup and recovery systems
• Clear procedures for lost keys or compromised accounts

Toku integrates directly with major custodians and exchange APIs, ensuring every movement of digital assets is traceable, compliant, and backed by auditable data.

5. Keep Pace with Policy Changes

Crypto regulations in India evolve fast.

The Ministry of Finance, CBDT, and RBI regularly issue new circulars, notices, or clarifications.

What’s compliant today may look different in six months — especially with the rise of CBDCs and potential stablecoin regulation.

Subscribe to credible policy updates, work with specialized crypto-tax advisors, and rely on platforms like Toku that continuously align compliance logic with new rules across all operating regions.

6. Make Compliance a Competitive Advantage

The organizations that survive and thrive in India’s crypto environment won’t be those taking shortcuts — they’ll be the ones who treat compliance as strategy, not overhead.

Transparency builds trust.
Trust attracts partners, investors, and top talent.

Toku empowers Web3 teams to operate confidently in complex markets like India — delivering compliant, global token payroll and benefits administration without friction.

Streamline token compensation, simplify compliance, and build a foundation for scalable global operations — with Toku.

📩 Get in touch with our team today.

Frequently Asked Questions

1. Is it legal to pay employees in crypto in India?

Yes — crypto payments are legal, but not recognized as legal tender. Employers can pay in tokens or stablecoins as long as they comply with income tax, TDS, and AML regulations, and properly disclose fair market value in INR.

2. What taxes apply when paying someone with crypto?

Two main taxes apply:

• 30% tax on profits from the sale or transfer of crypto assets.
• 1% TDS on every crypto transfer above the specified threshold.
  If crypto is used for salary or contract payments, it’s treated as income at FMV and must be reported accordingly.

3. Do I need RBI approval to send stablecoins for payroll?

No formal approval is required, but cross-border stablecoin transfers may fall under FEMA (foreign exchange laws). Businesses must ensure documentation for each transaction and report INR-equivalent values in financial records.

4. Are NFTs taxed in India?

Yes. NFTs are considered Virtual Digital Assets (VDAs) and are taxed at the same 30% flat rate on gains, with 1% TDS on eligible transfers. Creators must also pay income tax on initial sales.

5. How should startups handle token grants and vesting?

Token grants are taxable at the time of vesting or transfer. The FMV of the tokens must be declared as income, and companies should maintain vesting schedules, grant documentation, and valuation reports for compliance and audits.

6. How does Toku help with crypto compliance in India?

Toku automates every part of crypto compensation:

• Calculates INR fair market value at time of payment.
• Generates TDS and income reports automatically.
• Provides AML/KYC verification and recordkeeping aligned with Indian law.
• Integrates with exchanges, wallets, and HR systems for end-to-end transparency.

Operate With Confidence in India’s Crypto Economy

India’s crypto future isn’t uncertain — it’s maturing.
By combining transparent documentation, regulatory awareness, and modern compliance tools, businesses can pay teams in crypto confidently and compliantly.

With Toku, that future is already here — compliant, global, and built for the Web3 workforce.