> ## Documentation Index
> Fetch the complete documentation index at: https://docs.toku.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Supported Stablecoins

> Stablecoins and networks available for payroll

## Overview

Toku supports multiple stablecoins across various blockchain networks, giving you flexibility in how you pay employees.

***

## Available Stablecoins

### USDC (USD Coin)

The most widely supported stablecoin, issued by Circle.

| Attribute      | Details                                       |
| -------------- | --------------------------------------------- |
| **Issuer**     | Circle                                        |
| **Peg**        | 1:1 with USD                                  |
| **Networks**   | Ethereum, Polygon, Arbitrum, Optimism, Solana |
| **Compliance** | Regulated, audited reserves                   |

**Recommended for:** Most organizations due to wide support and regulatory clarity.

***

### USDT (Tether)

The largest stablecoin by market cap.

| Attribute      | Details                                     |
| -------------- | ------------------------------------------- |
| **Issuer**     | Tether                                      |
| **Peg**        | 1:1 with USD                                |
| **Networks**   | Ethereum, Polygon, Tron                     |
| **Compliance** | Widely used, some regulatory considerations |

**Recommended for:** Organizations with employees who prefer Tether or specific network support.

***

### DAI

A decentralized, crypto-collateralized stablecoin.

| Attribute      | Details                         |
| -------------- | ------------------------------- |
| **Issuer**     | MakerDAO                        |
| **Peg**        | 1:1 with USD                    |
| **Networks**   | Ethereum, Polygon               |
| **Compliance** | Decentralized, no single issuer |

**Recommended for:** Organizations wanting decentralized options.

***

## Network Comparison

| Network      | Speed         | Cost          | Best For           |
| ------------ | ------------- | ------------- | ------------------ |
| **Ethereum** | \~12 seconds  | Higher fees   | Maximum security   |
| **Polygon**  | \~2 seconds   | Very low fees | Cost efficiency    |
| **Arbitrum** | \~2 seconds   | Low fees      | Ethereum ecosystem |
| **Optimism** | \~2 seconds   | Low fees      | Ethereum ecosystem |
| **Solana**   | \~0.4 seconds | Very low fees | Speed priority     |

***

## Choosing a Stablecoin

### Considerations

| Factor                      | Recommendation                                    |
| --------------------------- | ------------------------------------------------- |
| **Employee preference**     | USDC is most familiar to newcomers                |
| **Geographic availability** | USDC has widest exchange support                  |
| **Cost**                    | Layer 2 networks (Polygon, Arbitrum) are cheapest |
| **Speed**                   | All options offer fast settlement                 |

### Common Configurations

**Simple (recommended for most):**

* USDC on Polygon
* Single option for employees

**Flexible:**

* USDC on Ethereum, Polygon, and Arbitrum
* Employee chooses network

**Maximum choice:**

* USDC + USDT
* Multiple networks
* Employee selects preferred combination

***

## Exchange Rate Handling

### Rate Source

Toku uses real-time rates from major exchanges to convert fiat to stablecoins.

### Rate Locking

* Rate is locked at time of payroll processing
* Employees receive the exact amount specified
* No exposure to rate fluctuation after locking

***

## Custody and Security

All stablecoins are held in institutional custody:

* Fireblocks
* Anchorage
* Coinbase Prime

Funds are secured until payroll is processed and distributed.

***

<Tip>
  **Payroll Client Guide** — Step 2 of 5. [Previous: Enabling Stablecoin Payroll](/payroll/client/enabling-stablecoin-payroll) | [Next: Payroll Integration Setup](/payroll/client/payroll-integration-setup)
</Tip>

## Next Steps

<CardGroup cols={2}>
  <Card title="Integration Setup" icon="plug" href="/payroll/client/payroll-integration-setup">
    Connect your payroll system
  </Card>

  <Card title="Run Payroll" icon="play" href="/payroll/client/running-payroll">
    Process stablecoin payroll
  </Card>
</CardGroup>