Toku vs Kotani Pay
Toku and Kotani Pay compete in the same bracket: coverage, certifications and integration time-to-market decide it. For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
| Toku | Kotani Pay | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.2 | ★ 3.9 |
| Service type | Payroll / EOR | Payroll / EOR |
| Pricing model | Not disclosed | Spread (bps) |
| Fiat rails | ACH, Wire, SEPA, SWIFT | — |
| Stablecoins | USDC, USDT, PYUSD, USDG, RLUSD | USDC, USDT, cUSD |
| Fund custody | Self-custody (funds in your control) | Self-custody (funds in your control) |
| KYC | Full | Full |
| Supported countries | US, EEA, APAC, LATAM · 100+ countries | AFRICA · 60+ countries |
| Regulator | Not disclosed | FSCA |
| OAM Italy registration | No | No |
| Segment | B2B | B2B |
| Spread | — | 100 bps |
| SDK | — | JavaScript, TypeScript, REST |
| Processed volume | — | $23M |
| Regions | US, EU/EEA, APAC, LATAM | Africa |
| Licences & safety | N/A | CASP |
Frequently asked questions
Toku vs Kotani Pay: which is better?
Toku and Kotani Pay compete in the same bracket: coverage, certifications and integration time-to-market decide it. For a serious B2B comparison request custom pricing from both: public terms are only the starting point.
Which is cheaper, Toku or Kotani Pay?
On the standard spending profile Toku has the lowest net annual cost: €228 versus — for Kotani Pay.
Is Toku custodial or self-custody?
Toku is self-custody: you keep the keys, while Kotani Pay is self-custody.