Rain, the global card issuing and payments platform built for stablecoins, today announced a partnership with Toku, a leader in compliant token and stablecoin compensation, to launch the first real-time, compliant stablecoin payroll system for global teams.
The integration enables employers to fund and settle payroll instantly in stablecoins—compliantly and at scale—across more than 100 jurisdictions. Rain’s programmable payment rails connect directly to Toku’s employment and tax compliance infrastructure, streamlining payroll operations for modern, distributed workforces.
“Payroll has remained one of the last major financial flows stuck in outdated systems,” said Farooq Malik, CEO and Co-founder of Rain. “By combining Rain’s onchain infrastructure with Toku’s compliance expertise, we’re bringing the benefits of stablecoins to the most important payment of all: your paycheck.”
This integrated solution offers:
- Compliant, cross-border payroll: Toku calculates net pay, manages tax withholding, and ensures labor law compliance in 100+ jurisdictions—supporting payouts in stablecoins like USDG, USDC, and RLUSD, using platforms employers already trust (e.g., ADP, Workday, Gusto).
- Real-time, onchain settlement: Rain’s infrastructure eliminates legacy bottlenecks by routing funds directly to wallets, custodians, or digital asset accounts, which reduces friction, delays, and costs.
- Earned wage access with global utility: Paychecks settle directly to worker-controlled wallets with full transparency and speed, supporting earned wage access and real world usage via Rain-issued cards accepted at over 150 million merchants worldwide.
“Fiat payroll still moves on rails built in the 1970s. Stablecoin payroll has the ability to unleash a fundamental restructuring of corporate cash management,” said Ken O’Friel, CEO and Co-founder of Toku. “We’re excited to be working with Rain and making stablecoin payroll not just possible, but seamless, scalable, and compliant by default.”
This collaboration comes as stablecoins gain regulatory momentum—bolstered by the GENIUS Act—and as more enterprises seek to integrate digital asset infrastructure into their core financial operations. Together, Rain and Toku are delivering the technology, compliance, and reach required to modernize payroll for a global workforce.
