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Stablecoin Payroll Without the Platform Lock-In
Deel and Gusto now offer stablecoin payments, but only if you move your payroll onto their platform. Toku pays your team in any stablecoin, on any network, alongside the payroll system you already run.
Any payroll provider
Keep the payroll system you already use. Toku adds stablecoin payroll on top of your existing stack, whether you run ADP, Gusto, or something else. You do not migrate, re-implement, or retrain your team to start paying in stablecoins. This is the difference that matters most. Both Deel and Gusto require you to run payroll on their platform to use their stablecoin features. Toku sits alongside what you already have.
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Any stablecoin
Pay in the stablecoin your team actually wants to hold. Toku supports USDC, USDT, PYUSD, USDG, and more, instead of locking recipients into a single token.
Any network
Settle on the network your recipients already use. Payments clear on any blockchain network, instead of a short list of supported chains.
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Earn and spend
Stablecoins your team can use, not just receive. Team members can earn yield on their balance, across multiple stablecoins and networks, and spend it directly, live today for employees.
Toku vs Deel vs Gusto: Stablecoin Payroll, Side by Side
Which Differences Actually Matter for Your Team?
Is stablecoin payroll the core product or a bolt-on?
For Toku, stablecoin payroll is the core product. Toku owns the layer that is hardest to build: global employment, tax, and payroll compliance across 100+ countries, with the card and payment rails running on Rain, a Visa Principal Member built for stablecoin cards. For Deel and Gusto, stablecoin payouts are a recent add-on to an existing HR and payroll suite, Deel's through BVNK, MoonPay, and Stripe, Gusto's through Zerohash and still in beta. All three lean on partners somewhere. The real question is whether stablecoin payroll is the foundation or a feature added later.
Your whole team, not just contractors
Stablecoin payroll should cover everyone you pay. Toku supports full-time employees and contractors, paid in stablecoins, through the same platform. Gusto's stablecoin payouts are limited to international contractors, so domestic employees and W-2 workers cannot be paid in stablecoins at all. Deel covers employees and contractors, but employee payouts are capped at 10 to 25 percent of net salary and limited to the US and Eurozone, and the earn-and-spend wallet is contractor-only. If your whole team wants to be paid in stablecoins, that coverage gap is often the deciding factor.
Works with the payroll you already run
Toku is payroll-provider agnostic by design. It connects to your existing payroll, through mechanisms like net-deduction, so stablecoin payroll runs alongside ADP, Gusto, or your current system rather than replacing it. That is the opposite of the platform-bound approach. With Deel or Gusto, the stablecoin feature lives inside their payroll product and is unavailable if you run payroll elsewhere. With Toku, the payroll system stays yours, and the stablecoin rail is added on top.
Frequently Asked Questions
Toku works with any payroll provider, any stablecoin, and any network, while Deel's stablecoin payroll requires you to run payroll on Deel. Deel pays employees in USDC, EURC, or USDT and contractors in its proprietary DLUSD. Toku supports USDC, USDT, PYUSD, USDG, and more, for both employees and contractors. Toku's team can also earn yield across multiple stablecoins and networks, whereas Deel's yield is limited to its single DLUSD token.
No. Gusto's stablecoin payouts are limited to international contractors and pay in USDC only. Domestic employees and W-2 workers cannot be paid in stablecoins through Gusto. The feature, powered by Zerohash, is still listed as beta. Toku, by contrast, supports stablecoin payroll for both full-time employees and contractors.
Yes, with Toku. Toku integrates with your existing payroll stack, so you can pay your team in stablecoins without migrating to a new payroll platform. Deel and Gusto both require you to run payroll on their platform to use their stablecoin features. Toku adds the stablecoin rail on top of the system you already use.
Toku supports any stablecoin, including USDC, USDT, PYUSD, and USDG, on any blockchain network. Recipients are paid in the stablecoin they want to hold, on the network they already use. That is broader than Deel, which supports USDC, EURC, USDT, and a proprietary DLUSD on a fixed set of networks, and Gusto, which supports USDC only.
DLUSD is Deel's own US-dollar-denominated balance for contractors, launched June 3, 2026 and powered by Stripe's stablecoin stack. Contractors hold earnings in DLUSD, earn rewards, and spend through a Deel Card, starting in Latin America. Unlike USDC, an established stablecoin issued by Circle, DLUSD is proprietary to Deel. Toku, by contrast, lets recipients choose their preferred stablecoin (USDC, USDT, and others) rather than locking them into a platform-specific token.
