A neutral settlement standard for global wages

Wages that settle in seconds, anywhere on earth.

TheWorkCoin is a stable, 1:1 backed settlement standard for cross-border pay — so workers keep more of what they earn, and employers run one global payroll.

Signal interest See how it works
1:1 backed · monthly third-party attestations · built for compliance
Payout calculator Live estimate
$
Worker receives
$1,998USD
Fee
$2.00
Arrives in
~5 seconds
Worker keeps per year vs. banks +$1,689
TheWorkCoin · 99.9%
Typical bank · 92.9%
Same amount, other corridors

Illustrative estimate assuming monthly pay. Indicative FX rates, not a quote or offer.

1:1 backed reserves
Monthly third-party attestations
Segregated, bankruptcy-remote custody
Built for compliance worldwide
$0.0T Cross-border wages / year The market being underserved
0.0% Average transfer cost Lost before wages arrive
3–5 days Typical settlement time Workers wait, capital doesn't
$0B+ Lost to fees annually Fees, FX spreads & delays
Wages settled this month (illustrative)
$0
A live settlement standard moves money continuously, in seconds.
The problem

Work is global.
Money is not.

Capital moves instantly. Workers absorb the delay. The rails serving global labor were built for a different era.

Fragmented rails

Dozens of incompatible payment systems across jurisdictions

Trapped value

$150B+ lost annually to fees, FX spreads, and delays

Settlement lag

Workers bear the cost of 3–5 day settlement cycles

No standard

No neutral unit of account designed for labor value

The standard

A shared settlement standard for labor

One neutral unit of settlement, designed for compensation — stable by design, instant by default, compliant from day one.

01

Stable value

Fully backed 1:1 by cash and cash-equivalent reserves — not speculation.

02

Instant settlement

Real-time cross-border wage transfers that arrive in seconds.

03

Full compliance

Built for regulatory frameworks, audits, and institutional oversight.

04

Open standard

Interoperable with existing payroll, banking, and HR systems.

Global reach

One standard. Every corridor.

Wages shouldn't slow down at borders. TheWorkCoin is designed to settle value across currencies and jurisdictions on a single, neutral rail.

USDEURPHP INRMXNNGN BRLKESVND + 100 more
How it works

From employer to worker, in seconds

STEP 01

Fund in local currency

An employer or payroll platform funds payroll in their home currency. Reserves are held 1:1 with regulated custodians.

STEP 02

Settle on the standard

Value moves as TheWorkCoin — a neutral, stable unit — settling instantly across borders without correspondent-bank delays.

STEP 03

Worker is paid, fast

Workers receive funds in their local currency in seconds, keeping more of their wage, with a transparent record.

Why it's different

TheWorkCoin vs. the status quo

The same wage, sent four ways. Only one was designed for the worker.

TheWorkCoin Bank wire Money transfer Card networks
Typical cost ~0.1% 3–5% + flat fees 5–7% 2–3% + FX
Settlement time ~5 seconds 3–5 days Minutes–days 1–3 days
FX transparency ✓ Mid-market Hidden spread Hidden spread Markup
Availability 24 / 7 / 365 Banking hours Agent hours 24/7
Built for wages ✓ Yes No No No
Trust & reserves

Every unit equals one dollar held in reserve

Trust isn't a slogan — it's an architecture. TheWorkCoin is designed so that what a worker receives is always backed, accountable, and verifiable.

100% reserve ratio ~80% U.S. T-bills ~20% cash

1 token = $1

Fully backed by cash & cash-equivalent reserves, held 1:1.

Monthly attestations

Independent third-party reserve reports, published on a regular cadence.

Regulated custody

Reserves segregated and bankruptcy-remote with qualified custodians.

Compliance-first

Designed around KYC/AML and the regulatory frameworks of each market.

For builders

Payroll-grade money, one API call away

A clean, predictable interface for paying a global workforce. Move value in seconds, settle in local currency, and reconcile with a transparent record — without stitching together a dozen rails.

REST & webhooks Idempotent payouts Sandbox
pay_worker.sh 
# Pay a worker in their local currency, instantly
curl https://api.theworkcoin.com/v1/payouts \
  -H "Authorization: Bearer $WORKCOIN_KEY" \
  -d worker="wrk_8fK3kQ" \
  -d amount=2000 \
  -d source="USD" \
  -d settle="PHP"

# → settled in ~5s · fee $2.00 · fx mid-market
{
  "id": "po_3Xq…",
  "status": "settled",
  "received": 116284.20,
  "currency": "PHP"
}
Designed with intent

Infrastructure, not speculation

✕

Not designed for

  • Speculation or token trading
  • Rapid capital appreciation
  • Bypassing regulatory frameworks
  • Anonymity or permissionless access
✓

Designed for

  • Labor-market settlement infrastructure
  • Multi-stakeholder governance
  • Long-term stability & compliance
  • Institutional transparency & oversight
Who it's for

Built for the entire labor ecosystem

Workers

Receive wages faster, with lower fees and more stability.

Employers

Run one global payroll on a single interoperable standard.

Builders

Build on open, compliant infrastructure with clear standards.

Institutions

Help shape the governance of a labor monetary standard.

An ecosystem built with workers, employers, custodians & regulators

Why it matters

The case for a wage standard

Perspectives shaping the conversation around fairer, faster global pay.

“

Workers are paying for infrastructure that was never built for them. A neutral standard changes who the system serves.

FW
Future of Work
Research perspective
“

Stablecoins finally make money move at the speed of software. Wages are the most human use case there is.

PI
Payments Industry
Builder perspective
“

Trust is the product. Reserves, attestations, and compliance aren't features — they're the foundation.

RG
Reg & Governance
Institutional perspective
Roadmap

Building the standard, in the open

Phase 01 · 2026

Define the standard

Convene workers, employers, builders, and institutions to shape governance and design principles.

Phase 02 · Now

Reserve & compliance architecture

Establish 1:1 reserves, qualified custody, and the attestation cadence before any value moves.

Phase 03

Pilot corridors

Launch first wage corridors with select payroll partners and a developer sandbox.

Phase 04

Open the network

Scale to 100+ countries as an interoperable, openly governed settlement standard.

FAQ

Questions, answered

TheWorkCoin is a neutral settlement standard designed specifically for cross-border labor compensation. It aims to remove the 6.2% average cost and 3–5 day delays involved in moving $2.4 trillion in global wages each year.
No. It is not a speculative token, security, or investment opportunity. It's 1:1 backed settlement infrastructure for labor markets, built for stability, institutional oversight, and the regulatory frameworks of each market.
Each unit is designed to be fully backed 1:1 by cash and cash-equivalent reserves held with regulated custodians, kept segregated and bankruptcy-remote, with independent third-party attestations published monthly.
Workers paid across borders, employers running global payroll, builders creating on open infrastructure, and institutions helping govern a shared labor monetary standard.
TheWorkCoin is an early-stage initiative. The figures and calculator on this page are illustrative. Signal your interest to help shape the standard and stay informed as pilot corridors open.
Early access

Help define the standard for global pay

TheWorkCoin is being shaped with workers, employers, builders, and institutions. Signal your interest to join the conversation early.

Signal your interest

Tell us who you are and why this matters to you. Early participants help define the standard.

Hold the button to confirm your signal.