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
See Toku in action
Stop Overpaying on FX
See how much you could save with transparent FX rates or stablecoin payroll. Book a demo to get started.