> ## 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.

# Choosing Your Payout Method

> Select how you want to receive your pay

## Overview

If your employer offers stablecoin payroll, you can choose to receive part or all of your pay in stablecoins instead of traditional bank deposits.

***

## Your Options

### Traditional (Bank Deposit)

Receive 100% of your pay via direct deposit to your bank account.

### Stablecoin

Receive part or all of your pay in stablecoins (like USDC) to your crypto wallet.

### Hybrid

Split your pay between bank deposit and stablecoin — for example, 70% to your bank and 30% in USDC.

***

## Setting Your Preference

<Steps>
  <Step title="Log in to Toku">
    Access your employee portal
  </Step>

  <Step title="Navigate to Payroll Settings">
    Click **Settings** > **Payroll**
  </Step>

  <Step title="Choose your method">
    Select your preferred payout:

    * 100% traditional
    * 100% stablecoin
    * Custom split
  </Step>

  <Step title="Set up your wallet">
    If choosing stablecoin, add your wallet address
  </Step>

  <Step title="Confirm">
    Save your preferences
  </Step>
</Steps>

***

## Stablecoin Options

Depending on your employer's configuration, you may be able to choose:

### Which Stablecoin

* USDC (most common)
* USDT
* DAI

### Which Network

* Ethereum (most widely supported)
* Polygon (lower fees)
* Arbitrum
* Other options

***

## Setting Your Split

Choose what percentage goes where:

| Example         | Bank | Stablecoin |
| --------------- | ---- | ---------- |
| All traditional | 100% | 0%         |
| All stablecoin  | 0%   | 100%       |
| Conservative    | 80%  | 20%        |
| Balanced        | 50%  | 50%        |
| Crypto-forward  | 20%  | 80%        |

You can adjust your split at any time before each pay cycle.

***

## Things to Consider

### Benefits of Stablecoin

* Instant settlement
* Access to crypto ecosystem
* Potential for DeFi yields
* No bank account needed

### Considerations

* You'll need a crypto wallet
* Stablecoins are digital assets
* Tax implications may differ
* Network fees may apply for transfers

***

## Changing Your Preference

You can update your payout preference at any time:

1. Go to **Settings** > **Payroll**
2. Update your split or method
3. Changes apply to the next pay cycle

**Note:** Changes made after payroll processing begins apply to the following cycle.

***

## Tax Implications

<Warning>
  Stablecoin compensation is taxable income, just like traditional pay. Toku handles withholding the same way regardless of payment method. Consult a tax professional for specific advice.
</Warning>

***

<Tip>
  **Payroll Employee Guide** — Step 1 of 3. [Next: Setting Up Your Wallet](/payroll/user/setting-up-wallet)
</Tip>

## Next Steps

<CardGroup cols={2}>
  <Card title="Set Up Your Wallet" icon="wallet" href="/payroll/user/setting-up-wallet">
    Add your wallet address
  </Card>

  <Card title="Understanding Payslips" icon="file-lines" href="/payroll/user/understanding-payslip">
    Learn to read your payslip
  </Card>
</CardGroup>