Your payroll float is earning nothing. It doesn't have to.
Every biweekly pay cycle, you pre-fund payroll days in advance. That capital sits idle — no yield, no return. Tokenized money market funds (TMMFs) are on-chain representations of traditional money market funds, backed by assets like U.S. Treasuries, that earn yield while remaining instantly redeemable. With TMMF-powered instant settlement, your float earns yield until the moment it's paid out.
Total biweekly payroll run funded in advance
How many days before payday you typically fund
Current annualized yield on tokenized money market funds
Stop leaving money on the table. Toku's TMMF-powered payroll lets your capital work for you until the exact moment it needs to move.
Yield-bearing, instant-settlement payroll — the future of treasury management for global teams.
Learn MoreAssumes 100% of employees receive TMMF payroll. Yield is illustrative based on current TMMF rates and is not guaranteed. Biweekly pay frequency (26 cycles/year). Actual returns depend on fund performance and settlement timing.
The Hidden Cost of Pre-Funded Payroll
Traditional payroll infrastructure forces you to lock up capital days before employees get paid.
Capital Sits Idle
You pre-fund payroll 3–7 days before payday. That capital earns nothing while it waits to be disbursed through legacy banking rails.
26 Cycles of Dead Float
Biweekly payroll means 26 pay cycles per year. Each one locks away capital that could be generating yield — adding up to significant opportunity cost.
Legacy Rails Can't Settle Instantly
Traditional banking requires batch processing, intermediary banks, and multi-day settlement windows. There's no way to fund and settle same-day.
TMMFs in the Market Today
Institutional-grade tokenized money market funds are live and growing rapidly.
Figure YLDS
The first SEC-registered yield-bearing stablecoin. Pegged 1:1 to the dollar, backed by U.S. Treasuries, with daily interest accrual and 24/7 peer-to-peer transferability.
U.S. Treasuries
SOFR - 50bps
SEC-registered
WisdomTree WTGXX
A fully regulated tokenized mutual fund with $850M+ in assets. SEC-approved for 24/7 trading and instant settlement with continuous dividend accrual.
$850M+
~3.5% APY
24/7 instant
Example: $10M Biweekly Payroll
Here's what happens when you switch from traditional pre-funding to TMMF-powered payroll.
| Traditional Payroll | Toku + TMMF | |
|---|---|---|
| Pre-fund timing | 5 days before payday | Same day |
| Capital idle per cycle | $136,986 | $0 |
| Yield on idle capital | $0 | Earning 4% APY |
| Settlement speed | 2–5 business days | Instant |
| Annual pay cycles | 26 | 26 |
| Annual yield earned | $0 | ~$142,466 |
We highly recommend working with the Toku team. They were great partners in navigating us through complex processes.
— Finance Team, Everyrealm
87% lower costs vs traditional banking across 20+ countries
Make Your Payroll Float Work For You
See how TMMF-powered payroll can turn idle capital into yield. Book a demo to get started.