> ## 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.

# Payroll FAQ

> Frequently asked questions about Stablecoin Payroll

## For Employees

<AccordionGroup>
  <Accordion title="What is stablecoin payroll?">
    Stablecoin payroll allows you to receive part or all of your pay in stablecoins (like USDC) instead of traditional bank deposits. Stablecoins are digital currencies pegged to the US dollar.
  </Accordion>

  <Accordion title="Do I have to use stablecoin payments?">
    No, it's optional. You can continue receiving 100% of your pay via traditional bank deposit if you prefer.
  </Accordion>

  <Accordion title="What stablecoins can I receive?">
    Typically USDC, though your employer may offer other options like USDT or DAI. Check your payroll settings to see what's available.
  </Accordion>

  <Accordion title="Is it safe?">
    Stablecoins like USDC are designed to maintain a 1:1 value with USD. However, they are digital assets with some risk. The value is stable but not guaranteed by the government like bank deposits.
  </Accordion>

  <Accordion title="What wallet should I use?">
    We recommend self-custody wallets like MetaMask, Coinbase Wallet, or Rainbow. Avoid using exchange deposit addresses as your primary wallet.
  </Accordion>

  <Accordion title="How do I set up a wallet?">
    Download a wallet app, create a new wallet, securely store your recovery phrase, and copy your wallet address into Toku.
  </Accordion>

  <Accordion title="Can I change my split percentage?">
    Yes, you can change how much goes to your bank vs. your wallet at any time. Changes apply to the next pay cycle.
  </Accordion>

  <Accordion title="Are stablecoin payments taxed?">
    Yes, stablecoin compensation is taxable income just like regular pay. Your employer withholds taxes the same way regardless of payment method.
  </Accordion>

  <Accordion title="What if I sent it to the wrong address?">
    Crypto sent to the wrong address typically cannot be recovered. Always double-check your wallet address before saving it.
  </Accordion>

  <Accordion title="I don't see my stablecoins in my wallet">
    Make sure you're on the correct network and that you've added the stablecoin token to your wallet. Check the transaction hash on a block explorer to confirm the transfer.
  </Accordion>
</AccordionGroup>

***

## For Employers

<AccordionGroup>
  <Accordion title="How do I enable stablecoin payroll?">
    Go to **Settings** > **Payroll**, enable stablecoin payroll, configure the stablecoins and networks you want to offer, and set employee options.
  </Accordion>

  <Accordion title="What stablecoins should we offer?">
    USDC on Polygon is the most common choice — it's widely supported, compliant, and has low transaction fees. You can offer additional options based on employee preferences.
  </Accordion>

  <Accordion title="How do we fund stablecoin payments?">
    Connect your custody provider (Fireblocks, Coinbase, etc.) and ensure you have sufficient stablecoin balance to cover payroll.
  </Accordion>

  <Accordion title="How is tax withholding handled?">
    Toku calculates and applies tax withholding the same way for stablecoin payments as traditional payments. Net pay (after withholding) is what gets converted to stablecoins.
  </Accordion>

  <Accordion title="Can we limit who can opt in?">
    Yes, you can configure eligibility by department, location, or other criteria. You can also require approval for each enrollment.
  </Accordion>

  <Accordion title="What reporting is available?">
    Toku provides payroll summaries, employee payment reports, tax withholding reports, and stablecoin transaction records.
  </Accordion>

  <Accordion title="How do we handle employees in different jurisdictions?">
    Toku handles tax withholding according to each employee's jurisdiction. Some locations may have restrictions on stablecoin payments.
  </Accordion>

  <Accordion title="What if an employee enters the wrong wallet address?">
    Employees are responsible for providing correct wallet addresses. We recommend requiring wallet verification before the first payment.
  </Accordion>
</AccordionGroup>

***

## General

<AccordionGroup>
  <Accordion title="What is USDC?">
    USDC (USD Coin) is a stablecoin issued by Circle, designed to maintain a 1:1 value with the US dollar. It's one of the most widely used and regulated stablecoins.
  </Accordion>

  <Accordion title="What networks are supported?">
    Common networks include Ethereum, Polygon, Arbitrum, and Optimism. The specific options depend on your employer's configuration.
  </Accordion>

  <Accordion title="What are gas fees?">
    Gas fees are transaction costs on blockchain networks. Toku typically covers these fees for payroll payments, but employees may incur fees when moving or using their stablecoins.
  </Accordion>

  <Accordion title="How do I contact support?">
    Email [support@toku.com](mailto:support@toku.com) or visit the Support page for help.
  </Accordion>
</AccordionGroup>

***

## Still Have Questions?

<Card title="Contact Support" icon="headset" href="/getting-started/support">
  Get in touch with our team
</Card>