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.

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Settlement Time

Instant from approval

FX Markup on Stablecoin Routes

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.

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

FAQ

Common questions about instant settlement.

What does “instant” actually mean?

Settlement completes within seconds of the payroll batch being approved. There is no overnight cycle, no business-day dependency, and no correspondent banking chain to clear.

Which stablecoins are supported?

Any major stablecoin is supported for settlement. Some stablecoins may not be supported for downstream products like Rain Card spending or yield-earning programs. The team will confirm support on a demo call.

What corridors are covered?

Global coverage across 100+ countries. Coverage is strongest in Latin America, Southeast Asia, Eastern Europe, and the US. Service is not available in restricted jurisdictions including Iran, North Korea, and Cuba.

What about compliance and KYC?

Standard KYC and KYB applies. Recipients complete onboarding once; subsequent payments flow automatically. Sanctions screening is built in. Toku provides compliance infrastructure, not legal advice.

What if a recipient can’t or won’t receive stablecoin?

Off-ramping to local currency is built in. FX conversion runs at 25 basis points for stablecoin off-ramping plus a capped FX fee, both listed as line items on every invoice.

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.

Book a Demo →