Toku Launches Health Insurance Cover Powered by Kota

Today, I’m thrilled to announce that Kota’s Embedded Health Insurance solution goes live inside Toku’s fast-growing stablecoin payroll and employer of record platform. What this means is that all Toku users can now set up, manage, and pay for health and employee benefits directly from the Toku platform.

Finding Common Ground in the Future of Compensation

The similarities between Kota and Toku extend beyond our (almost) mirrored company names - most importantly, to how we view the future of compensation. 

The modern workforce is increasingly online and untethered by geographic constraints - helping to distribute opportunity more evenly around the globe. Kota was founded to make employee benefits reflect that shift, and we’re thrilled to be working with a partner like Toku who is doing the same for payroll. 

In Payroll, Toku has found a product where cryptocurrency can significantly improve the user experience. For the uninitiated, a stablecoin is a type of cryptocurrency designed to maintain a stable value by being pegged to something more predictable - usually a fiat currency like the US dollar. Because of that, stablecoins avoid much of the volatility typical of other cryptocurrencies. 

Stablecoin payroll is gaining traction because it allows employees, wherever they are, to get paid faster without excessive Foreign Exchange and intermediary banking fees. 

Toku’s platform already supports more than 100 countries with built-in compliance for local tax rules, labor laws, and stablecoin-specific regulation. What’s especially powerful is that you don’t have to rip out your existing payroll or HR system: Toku allows you to integrate stablecoin payments via API into your current setup. 

For employees, this means faster, clearer, more flexible payments. In most cases, stablecoin payroll settles in minutes - no more waiting for banker hours, weekend lags, or multiple bank intermediaries. It also means more financial predictability, especially for people in rapidly changing exchange-rate environments.

What Kota Brings

At Kota, the mission has always been to make employee benefits modern, simple, global. Benefits should fit within existing HR & finance workflows and play nicely with other tools - something that’s been held back by traditional brokers and their manual processes. 

Employee benefits play a vital role in attracting and retaining top talent, and Health Insurance consistently ranks as the most popular - with 57% of UK employees ranking it as the one they want most. For HR teams at global companies, however, offering benefits is needlessly complex due to distinct regulatory environments across borders. 

The goal is that when you use Kota + Toku together, benefits become part of your payroll flow, not a separate project. Benefits are visible, meaningful, and trusted by employees; manageable and compliant for companies; and flexible enough to adapt to different geographies and regulatory environments.

By embedding Kota’s infrastructure directly into Toku, payroll and benefits are unified in one compliant, scalable system, helping employers deliver locally relevant and efficient benefits alongside fast and reliable stablecoin payroll.

Putting Kota’s embedded benefits inside Toku’s stablecoin payroll stack makes rewarding your global team effortless:

• Browse local health plans in each country from popular local providers. 

• Enroll employees and dependents in a few clicks - without the typical back-and-forth with a traditional broker. 

• Automate payroll deductions and tax reconciliation, fully synced with Toku’s stablecoin payroll. 

• Cut broker fees and manual admin, freeing HR teams to focus on their people. 

Looking Forward

We’re excited by what this enables: a world where globally distributed teams are rewarded quickly, fairly, transparently - and where HR & Finance teams are freed up to focus on moving the needle, not on needless admin. 

Thank you to the teams, partners, customers who helped build this. We’re just getting started.