For tonal languages, the use of tone as a distinguishing characteristic is similar to any other phonemic characteristic you would typically have to distinguish words in any other non-tonal language. For instance, in English, voicing is a distinguishing characteristic that differentiates the words "pat" and "bat". Similarly in Mandarin Chinese, tone is a distinguishing characteristic that differentiates the words "mā" (mother) and "mǎ" (horse).
Stress in English is phonemic however, viz. this minimal pair:
"rekord (record, n.) vs r@"kord (record, v.)
This is a regular phonological process in many English dialects to derive verbs from certain nouns (or is it the other way around?). Future English could turn this into a tonal distinction - I think that has a precedent in Swedish.
"Going to the store" (rising = question)
"Going to the store" (flat or descending = statement)