Toku Yield · RECIPIENT EARNING

Your team earns yield between paydays.

Pay your contractors and employees through Toku and the balance they hold in their wallet earns yield until they spend it. A real benefit you can offer your team without changing how you pay them.

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See how it works

Target Yield

Up to 7% annualised

Minimum Balance

No minimum

Eligible Recipients

Contractors and employees

What it is

A team benefit you can offer at no extra cost.

Every contractor and employee paid through Toku holds a balance in their wallet between getting paid and spending it. Toku Yield deploys that recipient balance into compliant, transparent yield programs. Your team earns yield on what they're owed; you keep paying them exactly the way you do today.

What it does. Recipients paid through Toku can earn yield on the balance they hold in their wallet. The yield programs are powered by Paxos Labs and Morpho. Recipients keep full control of their funds and can spend, off-ramp, or hold at any time.

What it doesn't do. Yield is not guaranteed. Toku is not a bank, broker-dealer, or investment adviser. Balances held in yield programs are not FDIC insured and may lose value. Yield is currently available only to recipients (contractors and employees being paid through Toku). The disclaimer below the programs section sets out the full position.

Who it's for. Companies paying contractors and employees globally who want to offer a real, ongoing benefit without adding a separate vendor, taking on financial risk, or changing how they run payroll. Most useful for teams competing for global talent in markets where every percentage point of compensation matters.

Paxos Labs and Morpho — named partners with public documentation.

Eligibility

Currently available to recipients (contractors and employees) being paid through Toku. No minimum balance.

Yield source

Tokenized US Treasury bills and vetted on-chain lending markets.

COMPANY COST

None. You keep paying your team the way you do today.

How it works

Four steps from payday to yield.

STEP 01

Pay your team through Toku

Run payroll as you do today. Recipients are paid in stablecoin to their Toku wallet.

STEP 02

Recipient opts in

Recipients choose to enable yield on their wallet balance. The choice and the funds remain with them throughout.

STEP 03

Balance earns yield

The recipient's balance is deployed into the yield program they select. Yield accrues for as long as the balance stays in the wallet.

STEP 04

Recipient spends or holds

Recipients can spend immediately via the Rain Card, off-ramp to local currency, or leave the balance to keep earning. They keep full control of their funds.

Yield powered by Paxos Labs and Morpho

Pick the risk profile that fits your treasury policy.

Toku Yield offers programs across a risk spectrum, powered by Paxos Labs and Morpho. Both deploy your float transparently, name the underlying yield source, and are operated by audited partners. Choose the one your finance team is comfortable with.

Conservative

Treasury-backed yield

Deploys stablecoins into tokenized assets that generate yield from US government Treasury bills. The most conservative program. Assets are only deployed into highly trusted vehicles such as Paxos' USDG and Superstate's USTB.

Yield sourceUS Treasury bills

VehiclesUSDG · USTB

Core

On-chain lending yield

Generates yield from on-chain lending markets that are highly vetted, managed by trusted counterparties, and accept blue-chip collateral such as BTC and ETH. Middle of the risk spectrum.

Yield sourceVetted lending markets

Powered byMorpho

Frontier

Extended-collateral yield

Generates yield from on-chain lending markets that accept additional collateral assets outside BTC and ETH, including derivative assets. Higher potential yield, wider collateral set than Core.

Yield sourceExtended-collateral markets

Powered byMorpho

Important — please read

Yield services provided by Paxos Labs. Rates are variable and subject to change. Stablecoins deposited into yield programs are held by Paxos Labs and are not FDIC insured. Past performance does not guarantee future results.

Toku is not a bank, broker-dealer, or investment adviser. Funds held in yield-bearing instruments may lose value. Consult your financial adviser before making decisions based on yield projections. Toku provides compliance infrastructure and is not a law firm; this content does not constitute legal or tax advice.

Why it matters

A retention lever you don't have to fund.

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A real benefit at no cost to you

Yield accrues on the recipient's balance, not on company funds. Offering it doesn't change your payroll cost, your treasury policy, or your reporting. You're surfacing a benefit your team can opt into.

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Better economics for the people you pay

Contractors and employees who hold a balance between paydays can earn yield on what they're owed. That changes the net economics of working for you, especially in markets where compensation is already tight.

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Transparent mechanics

Named partners, named yield sources, public documentation. Your team sees exactly where their yield comes from. No black boxes between their balance and the asset generating yield.

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Two risk profiles

Recipients can pick the conservative Treasury-backed program or the higher-yield Core program. The choice is theirs; you don't manage it on their behalf.

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No minimum balance

Recipients earn from the first dollar in their wallet. Small balances are eligible. Useful for contractors with variable pay cycles and employees in markets where balances stay modest.

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One platform, no second vendor

Yield is one layer of the Toku stablecoin payroll stack. Recipients pair it with instant settlement and Rain Card spending in the same wallet. You don't add a separate benefits provider to enable it.

Use cases

Where yield matters most to your team.

Competing for
Global Talent

Companies hiring contractors and employees across markets where rate negotiation is tight and every basis point of compensation matters.

Recipients earn yield on the balance they hold between paydays. The total economic value of accepting work from you goes up, without you changing the rate you pay.

Contractors Holding Balances Between Projects

Contractors who get paid in lump sums and hold the balance for weeks or months before spending or off-ramping it.

The held balance earns yield instead of sitting idle in a wallet. Most impactful for contractors with irregular pay cycles or larger per-project payments.

Employees in Markets with Limited Local Banking

Employees in regions where local savings products are limited, inflation-eroded, or hard to access. The Rain Card already gives them spending access; yield is the next layer.

Recipients earn yield on the same balance they spend from. No second account, no transfer between savings and spending. A single wallet that holds, earns, and spends.

FAQ

Common questions about Toku Yield.

Who actually earns the yield?

Recipients. Yield is currently available only to contractors and employees being paid through Toku, on the balance they hold in their wallet. Yield on company-side payroll float is not part of the offering today.

Is the yield guaranteed?

No. Rates are variable and subject to change. Past performance does not guarantee future results. Balances held in yield programs are not FDIC insured and may lose value. The full disclaimer is set out earlier on this page.

Where does the yield come from?

From two sources, depending on the program the recipient selects. The Conservative program generates yield from US government Treasury bills via tokenized vehicles including Paxos' USDG and Superstate's USTB. The Core program generates yield from vetted on-chain lending markets managed by trusted counterparties and collateralized by blue-chip assets such as BTC and ETH.

Who powers the yield programs?

Paxos Labs and Morpho. Both are named vault partners with public documentation. The team will walk through which program runs on which partner on a demo call.

Does the company pay anything to enable it?

No. Funds are redeemed from the yield program at the moment payroll is approved. Disbursement is instant from approval. Earning yield does not extend payroll timing.

Is Toku a bank or licensed financial institution?

No. Toku provides compliance infrastructure for global payroll. Toku is not a bank, broker-dealer, or investment adviser. Yield programs are operated by named third-party partners.

See what your float could be earning.

Bring the numbers. Our team will walk you through the programs and show what yield looks like on your specific payroll cycle.

Book a Demo

Read the ROI Guide