The Future of Payroll Runs on XRPL

Toku brings payroll to this infrastructure. Your team funds payments in RLUSD, Toku handles compliance and settlement, and your contractors get paid in seconds.

Why Companies Choose Toku

For Employees & Contractors

Payments settle in seconds. Recipients hold RLUSD, off-ramp to local currency, or spend with a Rain Visa card.

For Your Finance Team

Fund payroll from your existing RLUSD treasury or Ripple Custody vault. Toku handles tax reporting and reconciliation automatically.

For Compliance

Automatic tax withholding and audit trails across 100+ jurisdictions. RLUSD is NYDFS-regulated — the stablecoin itself isn't a compliance question.

For Security & Treasury

Toku never takes custody of funds. Your signing policies and permissions stay exactly where they are.

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Toku supports RLUSD on XRP Ledger for contractor and employee payroll. If your company already holds RLUSD or operates on XRPL, you can fund compliant global payroll directly from your existing setup — no bridging, no off-chain workarounds.

Toku connects to your RLUSD treasury or Ripple Custody vault and handles everything between funding and disbursement: tax withholding, contractor classification, local labor law compliance across 100+ countries, and settlement to each recipient on XRPL. Your company funds the payroll run. Toku calculates what's owed, withholds what's required, and settles. Recipients choose what to do with their funds — hold RLUSD, off-ramp to local currency, or spend with a Rain-powered Visa card.

If you're on Ripple Custody, Toku proposes settlement transactions directly inside your vault. Your signers approve through the same flow they already use. Multisig and MPC wallet policies stay intact — Toku registers as a proposer, not a signer, and never takes custody of funds. Your treasury setup doesn't change. Payroll just becomes part of it.

For U.S. workers, W-2 and 1099 reporting is fully supported. RLUSD's NYDFS-regulated issuance and regular reserve attestations make the compliance conversation straightforward — your team isn't defending the stablecoin choice, they're pointing to a regulated asset backed 1:1 by dollar deposits and U.S. Treasuries.

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"How does this work with our existing XRPL setup?"

‍Toku layers on top. If you hold RLUSD in Ripple Custody, we propose transactions in your vault. If you hold RLUSD in another wallet, we connect to that too. Your treasury setup stays the same.

"What about compliance and taxes?"

‍Fully handled by Toku. Tax withholding, reporting, and contractor classification across 100+ countries — regardless of which chain you settle on.

"Can recipients choose how they receive funds?"

‍Yes. Hold RLUSD, convert to local currency, or spend with a Rain Visa card. Their choice.

"Why XRPL?"

‍If you're already operating on the network, your payroll should settle there too. Same treasury, same custody, same stablecoin — Toku just adds the compliance and disbursement layer.

Getting Started

Ready to run stablecoin payroll on XRP Ledger? We'll help you connect your RLUSD treasury or Ripple Custody vault, understand compliance requirements for your specific countries, see a demo with your actual setup, and get a custom implementation timeline.

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