Toku: Where your invoice gets paid—bank or crypto

<aside> ⚠️

Contractor invoice and payment deadlines: late action means late payment

Contractors: submit invoices by the 19th of each month. A saved draft is not a submitted invoice.
Admins: approve invoices by the 21st of each month. Submission alone does not authorize payment.
Funding: Toku must receive cleared funds 4–5 business days before payout. Initiating a transfer or sending proof of payment does not meet the deadline.
Standard monthly payout: the last day of the month, provided submission, approval, and funding deadlines are met.

Late submission, approval, or funding will delay payment. Every day of delay pushes payment back by at least one day. A missed payment cycle can cause a longer delay; the invoice due date is not a guarantee of payment.

Automation does not remove these deadlines. Earlier published holiday deadlines take precedence; see Toku: 2026 End-of-Year Payroll & Payment Guide.

</aside>

<aside> 📘

For contractors on Toku. Last updated October 30, 2026.

</aside>

Find out whether your next invoice will be paid to your bank account or crypto wallet, and ensure your payment details are set up correctly so payouts never get stuck.

Before you start

You must be signed in to your Toku contractor account at app.toku.com.
Your organization must have invited you and you must have finished your account onboarding.
For crypto payouts: ask your organization administrator if they support crypto payments.

See your payment methods

Open your browser and go to app.toku.com. You see Welcome back and a single Email box — there are no Token Grants, Stablecoin Payroll or Employment tabs any more. Toku takes you to the right product after you sign in.

The Toku sign-in page with the heading Welcome back and a single Email box.
Type your email and select Continue, then enter your password and click Sign in. If you work with multiple organizations, select the one paying this invoice and click Continue as User.

Choose your organization and click Continue as User.

Signed in as a contractor: the Overview page, with Invoices, Payments and Payment Methods in the left-hand menu.
Click Payment Methods in the left-hand menu (above Toku Card). The page shows "Manage the wallets you use to get paid."

Payment Methods sits in the left-hand menu, above Toku Card.

Payment Methods page — "Manage the wallets you use to get paid."
On the Payment Methods page, look at the Wallets section (called Wallets & Bank Accounts if you also have a bank account on file). Each row shows your wallet address (like 0xA478...F1FF), the network (like Polygon), and the currency (like USDC). This is exactly what Toku will use for a crypto payout.

Each wallet row shows your address, network, and currency.

Get paid in crypto

To add a wallet, click the blue Add payment method button. A guided window opens with two choices: Create a New Wallet, which sets one up from your email address, or Add External Wallet, where you paste in an address you already control. A newly added wallet shows a yellow Pending label until verification completes.

The guided Add Payment Method window: Create a New Wallet or Add External Wallet.

Get paid by bank transfer

Click Profile in the left-hand menu and scroll to the Banking & Payment Details box. Check that every field has a value: Bank Name, Account Holder, Account Type, Account Number, and (depending on your country) Routing Number, IBAN, or BIC/SWIFT Code. A "--" means that detail is missing.

Banking & Payment Details on your Profile page. A "--" means that field hasn't been filled in yet.

Which wallet an invoice pays to

The invoice no longer borrows the first wallet on your profile: it looks for a verified wallet that matches the token and network on the line item, and when there isn't one it says which token and network is missing and links you to Payment Methods.

The Payment Destination panel names the route it resolved. It shows the token and network, then the wallet address that route will pay, for example USDC on POLYGON above 0xA478...F1FF. Click the address to copy it.
When nothing matches, the panel says so rather than showing another wallet. It turns red and reads "No verified USDT on Ethereum wallet", with "Add a wallet for this currency and network in Payment Methods, then submit." An invoice with no crypto line item reads "No crypto line items on this invoice."