Toku and Pact Labs Bring Stablecoin-Powered Earned Wage Access to Workers Worldwide

Pact Labs partnered with Toku to power a new generation of earned wage access - enabling global workers to receive their earnings instantly in stablecoins, with full compliance and transparency built into every transaction.

The Challenge

Expanding Financial Access for the Global Workforce

Pact Labs was built to modernize how workers access their earned wages. Its mission: to help individuals receive a portion of their pay instantly, rather than waiting for the end of a pay cycle.

As Pact Labs expanded globally, it needed a payment infrastructure that could deliver instant, low-cost, and borderless payouts - all while maintaining compliance with payroll, labor, and financial regulations across multiple jurisdictions.

Traditional banking systems made global earned wage access nearly impossible due to delays, high fees, and limited financial inclusion. Pact Labs wanted a solution that could bridge traditional payroll processes with modern digital payment rails.

By partnering with Toku, Pact Labs gained a compliant, stablecoin-native infrastructure that powers earned wage access for workers worldwide - enabling instant disbursements without breaking legal or regulatory requirements.

The Approach

Integrating Stablecoin Payroll Infrastructure into Earned Wage Access

Toku and Pact Labs combined expertise in payroll compliance and payment innovation to create a model that delivers instant, stablecoin-based earned wage access while meeting the same standards as traditional payroll.

1. Compliance-First Stablecoin Infrastructure

Toku’s payroll engine ensures every payout through Pact Labs is recorded, reported, and compliant with jurisdictional tax and labor laws. Each transaction is valued in fiat terms to maintain transparency and auditability.

2. Instant Stablecoin Payouts

Through Toku’s global stablecoin rails, Pact Labs users can access earned wages instantly in USDC - a dollar-backed digital currency known for stability and regulatory transparency. This eliminates traditional banking delays and FX friction.

3. Global Reach, Local Alignment

The integration enables Pact Labs to expand earned wage access to workers in regions underserved by traditional financial systems. Toku’s infrastructure handles onboarding, KYC, AML, and compliance across 100+ countries, ensuring legality and security at scale.

4. Empowering Workers

By connecting on-chain payments with earned wage access, workers now have the flexibility to manage their income digitally, access funds faster, and build financial resilience - without the risk of volatility or compliance concerns.

The Results

Financial Empowerment, Delivered Instantly

With Toku, Pact Labs successfully extended earned wage access to a global workforce using stablecoins. Employees and contractors can now access their earnings instantly, anywhere, while Pact Labs maintains full compliance and transparency.

This collaboration bridges fintech and blockchain innovation - proving that stablecoin payroll infrastructure can unlock new forms of financial inclusion and worker empowerment worldwide.

Key Takeaways

1. Earned wage access meets Web3. Toku’s infrastructure enables real-time access to income using stablecoins.
   
2. Compliance is non-negotiable. Global wage access requires the same legal, tax, and KYC safeguards as traditional payroll.
   
3. Stablecoins are a catalyst for inclusion. Dollar-backed digital assets extend financial access to unbanked and underbanked populations.
   
4. Faster access, better outcomes. Workers benefit from instant liquidity while employers maintain operational compliance.
   
5. A model for the future. This partnership demonstrates how fintech and payroll infrastructure can converge to create fairer, faster, and more inclusive financial systems.

The Outcome

Through the partnership between Toku and Pact Labs, earned wage access becomes truly global, instantaneous, and compliant.
By leveraging Toku’s stablecoin payroll infrastructure, Pact Labs delivers real-time financial empowerment to workers worldwide - redefining what payroll access can mean in the digital economy.

Next Steps

Toku enables organizations to power real-time, compliant, and borderless payroll - helping fintech and AI innovators deliver faster, fairer access to earnings.

Partner with Toku.