Instant Settlement · Stablecoin Rails
Pay your team the second you approve payroll.
Toku settles global payroll instantly from the moment you approve it. No correspondent banks, no two-day waits, no buffer prefunding for slow rails. Funds reach recipients in seconds and are spendable immediately.
Settlement Time
Instant from approval
FX Markup on Stablecoin Routes
$0
Countries Supported
100+ globally
What it is
Settlement that completes in seconds, not business days.
Most global payroll runs on rails built for a pre-internet banking world. Wire transfers route through correspondent banks. FX markups stack at each leg. Toku replaces that chain with stablecoin rails. Settlement is instant from the moment you approve a payroll run.
What it does. The moment you approve a payroll batch, funds settle to recipient wallets in seconds. Recipients can spend their balance immediately through the Rain Card or off-ramp to local currency. There is no overnight cycle, no correspondent banking chain, no business-day dependency.
What it doesn’t do. Instant settlement is not the same as instant approval. Approval workflows, compliance checks, and any required KYC happen before the payroll batch is approved. Settlement begins when approval completes. Service is not available in restricted jurisdictions including Iran, North Korea, and Cuba.
Who it’s for. Companies running global payroll across multiple currencies who want recipients to access funds the same day, not days later. Most relevant for teams paying contractors and employees in Latin America, Southeast Asia, and Eastern Europe where traditional rails are slowest.
Speed
Instant from the moment a payroll batch is approved.
Rails
Stablecoin settlement. Any major stablecoin supported.
FX
Zero markup on stablecoin-to-stablecoin routes. Transparent line-item conversion when off-ramping to fiat.
Reach
100+ countries. Restricted jurisdictions excluded.
How it works
Three steps from approval to access.
STEP 01
Approve the run
Run payroll through the platform or API. Approvers sign off. The moment the final approval lands, settlement begins.
STEP 02
Stablecoin rails settle
Funds move on stablecoin rails directly to recipient wallets. No correspondent banks. No two-day clearing. Recipients receive within seconds.
STEP 03
Recipient accesses funds
Spend immediately via the Rain Card wherever Visa is accepted, or off-ramp to local currency. No banking dependency required.
STEP 04
Reconcile in one place
Every payment, approval, and settlement is logged in a single audit trail. Push payroll data to your accounting stack through native integrations.
Why it matters
What instant settlement actually changes.
// 01
Recipients access funds same day
No more contractors in Manila or Bogotá waiting a week for a wire to clear. Funds land in seconds and are spendable immediately.
// 02
Less prefund buffer required
Slow rails force you to fund payroll days ahead. Instant settlement collapses that buffer. Capital that used to sit waiting can stay deployed.
// 03
Better contractor experience
Contractors price slow payments into their rates. Faster, more reliable payouts strengthen retention and reduce rate creep from fee load and delay.
// 04
Zero FX markup on stablecoin routes
Stablecoin-to-stablecoin settlement has no FX leg. Conversion fees only apply when off-ramping to fiat, and those appear as line items on every invoice.
// 05
Off-cycle payments are trivial
Bonuses, corrections, contractor top-ups, urgent advances. Instant settlement makes off-cycle payments as fast as in-cycle ones.
// 06
One audit trail for everything
Every payment flows through a single source of truth. No reconciling between payroll software, banking portals, and wallet exports at month-end.
Coverage
Where settlement runs and what powers it.
Toku settles globally across stablecoin rails. Any major stablecoin is supported. Recipients in restricted countries (Iran, North Korea, Cuba, and others on standard sanctions lists) are excluded.
| Recipient Region | Typical Legacy Rail Experience | Toku Settlement |
|---|---|---|
| Latin America | 2 to 5 business days via correspondent banking, plus FX markup at each leg. | Instant from approval |
| Southeast Asia | 3 to 7 business days. Local banking processing adds delay even after the international wire clears. | Instant from approval |
| Eastern Europe | 2 to 4 business days. FX markup of 2% to 4% on USD-to-local-currency conversions. | Instant from approval |
| United States | ACH takes 1 to 3 business days. Same-day ACH is available but limited. Wire transfers carry per-transaction fees. | Instant from approval |
Common questions about instant settlement.
See settlement run on your payroll.
Bring your current rail. The team will walk through what instant settlement looks like end to end on your corridors, your stablecoin, and your approval workflow.
Toku provides compliance infrastructure and is not a law firm. Consult your legal counsel for jurisdiction-specific guidance.