Toku vs Kotani Pay
On the standard spending profile, Toku has the lowest net annual cost (€228). Toku offers the highest cashback (0%). Pick Toku if you prioritise key control (self-custody); consider Kotani Pay if you prefer self-custody.
| Toku | Kotani Pay | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.2 | ★ 3.9 |
| FX markup | 0% | 0% |
| Cashback | 0% | 0% |
| Annual fee | Free | Free |
| Estimated net annual cost | €228 | — |
| Custodial | Self-custody | Self-custody |
| Network | — | — |
| Regions | US, EU/EEA, APAC, LATAM | Africa |
| Licences & safety | N/A | CASP |
Frequently asked questions
Toku vs Kotani Pay: which is better?
On the standard spending profile, Toku has the lowest net annual cost (€228). Toku offers the highest cashback (0%). Pick Toku if you prioritise key control (self-custody); consider Kotani Pay if you prefer self-custody.
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.