How much are you losing to FX with your EOR?
Most EOR providers bury FX markups inside opaque exchange rates — typically 3–5% on every cross-border payroll run. You never see it on an invoice.
The total amount you fund outside your base currency each month.
At a typical 5% FX markup, that's $300,000/year in hidden conversion costs you'll never see on an invoice.
Toku partners with Bluefyn.ai to ensure our clients get the best FX rates with full fee transparency — no hidden markups, no inflated spreads.
Pay via stablecoins and eliminate FX conversion costs entirely. Same compliance, same payroll experience — zero currency friction.
Book a DemoEstimated savings based on a 5% industry-average FX markup vs. Toku's 1% transparent rate via Bluefyn.ai. Actual savings vary by currency pair and volume.
How Toku Eliminates Hidden FX Costs
From opaque markups to full transparency — or skip FX altogether with stablecoin payroll.
The Problem: Opaque Rates
Most EOR providers apply a 3–5% markup on currency conversion and never show it as a separate line item. You pay it every payroll cycle without knowing.
Toku: Transparent FX
We partner with Bluefyn.ai to give you institutional-grade FX rates at ~1% — and show you exactly what you're paying. No hidden spreads, no inflated conversions.
Stablecoins: Zero FX
Pay in USDC or USDT and skip currency conversion entirely. Same compliance, same payroll experience — your employees receive dollar-denominated value instantly.
FX Cost Comparison
See how Toku stacks up against typical EOR providers on cross-border payroll costs.
| Typical EOR | Toku | Toku + Stablecoins | |
|---|---|---|---|
| FX markup | 3–5% | ~1% | 0% |
| Rate transparency | Hidden in spread | Fully visible | No conversion |
| Invoice line item | Bundled / hidden | Separate line | N/A |
| Settlement speed | 2–5 business days | 1–2 business days | Same day |
| Currency risk | Borne by employer | Reduced via better rates | Eliminated |
| Annual cost on $500K/mo | $300,000 | $60,000 | $0 |
Toku helped us simplify our payroll and compliance processes while seamlessly implementing our token compensation program through one integrated solution.
— Finance Team, Protocol Labs
Token and equity grant compliance across Europe
Stop Overpaying on FX
See how much you could save with transparent FX rates or stablecoin payroll. Book a demo to get started.