The rise of crypto payroll is changing how companies pay international employees and freelancers, and also the financial behaviours of individuals in the workforce. According to recent statistics, $8.9 trillion worth of stablecoins were processed for payroll in 2025, with an increasing number of workers opting to receive payouts in USDC, USDT and more.
That's a trillion-dollar market that UR, in partnership with Toku, a leading crypto-first employment platform, combining Employer-of-Record, fiat & token payroll and global tax compliance in 100+ jurisdictions, is tapping on — bringing compliant stablecoin payroll with direct banking access to both UR and Toku's users.
Paid in Crypto, Manage & Spend in Fiat on the Same App
Getting paid in crypto offers freedom and flexibility, but it also comes with real-world challenges. Employees often face volatility risks that can affect the value of their income overnight, especially when faced with delays in converting crypto to fiat for everyday expenses. Many traditional banks still reject or flag incoming funds from exchanges, sometimes even closing bank accounts without warning.
All these create friction when you're trying to move earnings into usable cash. If you work on global and/or remote teams, these issues add layers of uncertainty — turning what should be seamless digital payroll into a complicated balancing act between compliance, liquidity and stability.
With UR, employees on Toku can set up a new, fully licensed bank account to receive crypto and turn that into spendable money in just 2 clicks.
- Set up a UR account and complete KYC to get started — UR is available for users in more than 45 countries
- Select UR in your Toku payroll preferences
- Have your crypto salary or payment deposited directly into your KYC-ed UR account (in USDC, USDT or ETH)
- Convert to any available fiat currency with zero off-ramp fees and near-zero FX fees — USD, CHF, RMB, HKD, SGD, JPY and EUR
- Send fiat directly to another UR user without any fees
- Spend your fiat directly from the same app via a Mastercard debit card, which you can add to Apple Pay, Google Pay, Samsung Pay, Alipay and WeChat Pay
- Earn rewards on selected stablecoins, i.e., for holding USDe in your UR wallet
Real-Time, Compliant Crypto Payroll for Businesses
Crypto businesses often struggle with payroll due to regulatory complexity, volatility and/or limited banking access, especially when it comes to paying global teams in crypto, where compliance, tax and exchange rate challenges complicate accounting. Traditional banks frequently restrict or delay transactions linked to digital assets, making it hard for companies to maintain smooth, reliable payroll operations across borders.
Toku helps employers handle payroll in over 100 countries, and with the integration of UR as a payroll option on Toku, existing and new employers will be able to:
- Execute on real-time payouts secured onchain any hour of any day
- Credit payments instantly to their employees, reducing confusion arising from inevitable delays or lack of transparency in transaction records
- Select from a range of 7 fiat currencies — USD, CHF, RMB, HKD, SGD, JPY and EUR
- Enjoy near-zero fees with FX and zero off-ramp fees
