How dYdX International Runs Compliant Stablecoin Payroll with Toku

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Stablecoins aren't just changing payments. They're rewriting the entire payroll playbook. While everyone else is building "crypto payroll" that's really just contractor payments in disguise, Toku has built the infrastructure for true employment payroll that:

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• Splits compensation seamlessly: Employees choose their fiat/stablecoin mix once. On payday, both arrive simultaneously… fiat to bank, stables to wallet.
• Handles full tax compliance: Any country’s income tax, social security, health insurance: all calculated, withheld, and paid to authorities automatically.
• Maintains complete regulatory alignment: Every transaction is recorded, reported, and compliant with both traditional employment law and local crypto regulations.

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Just as direct deposit replaced paper checks, stablecoin payroll will replace traditional ACH/SWIFT rails.

Summary

dYdX International builds in DeFi every day, but compensation historically arrived only in fiat, forcing anyone who wanted stablecoins to convert after payday. That meant extra steps, extra tools, and avoidable friction. Toku introduced automated token payroll so part of a salary can settle to a bank account and part can arrive on-chain in the same run. The experience became simpler for employees and lighter for the teams that run payroll.

The problem in plain words

Team members asked for compensation that matched how they actually operate on-chain. Traditional payroll rails were designed for fiat-only payouts, which pushed people into do-it-yourself conversions after payday. That created delays, added fees, and fragmented records, leaving operations to juggle side flows outside the core payroll system.

The Toku solution

Toku closes the gap with automated token payroll. A team member sets a preferred split once inside the app. On payday, the system handles the details, locks the rate, verifies the destination, and pays both legs in one run. Fiat funds are deposited into the bank account, and stablecoins are transferred into the self-custody wallet simultaneously. For payroll and finance, this replaces a chain of manual tasks with a simple review and approval process, generating clear records automatically. Compliance is assumed and automatic in the background, rather than requiring additional management.

• Before: Employees converting fiat to stablecoins post-paycheck, losing 3-5% in fees and creating tax nightmares.
• After: One click, two destinations. Fiat hits the bank, stablecoins hit the wallet, taxes paid to German authorities, all in one compliant transaction.

What changed operationally

Before Toku, payroll and finance were managed through spreadsheets, bank transfers, and separate crypto operations, with receipts stitched together for later reference. 

With Toku, the dYdX International approves once, and the system handles the rest. Elections are captured with clear limits and consent; rates are locked at payout; destinations are screened; and both legs execute in parallel. Everything is recorded end-to-end without extra effort or context switching.

What it feels like for a team member

You set your paycheck split between fiat and stablecoins once. On payday, your fiat net pay arrives in your bank, and your net stablecoin pay arrives in your wallet at the same time.

“I used to buy stablecoins every month after payday. Now they just show up in my wallet — no fees, no extra steps.”

There is nothing to convert and nothing to chase. Funds are ready to use on-chain immediately with a clear breakdown for your records.

Impact

Team members avoid repeated conversion friction and gain faster access to the ecosystem where they work. Payroll and finance move from manual calculation to review and approval. Money movement becomes clearer, records become more transparent, and the compensation story finally aligns with the product story.

Why this matters

Automated token payroll is not just another way to get paid. It is compensation that fits modern crypto native work: choice, speed, and clarity without extra effort. For dYdX International it means delivering a compensation experience that aligns with how the team builds, while keeping operations simple for the people who run payroll.

Toku isn't building a feature. They're building the rails for how $50 trillion in annual wages will move in the next decade.

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