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.
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.
Powered by
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.
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.
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.
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.
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.
Common questions about Toku Yield.
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.
© 2026 Toku. Yield is variable and not guaranteed. See disclaimer above.