Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 8 companies across 4 categories.
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Founded in 2020 as a recurring-payments automation platform focused on Chile's PAC/PAT bank-debit infrastructure, Toku expanded into Mexico and Brazil to become a multi-country account-receivables SaaS. The platform evolved from basic payment-mandate enrollment to a full collections orchestration suite with ERP/CRM connectors, intelligent retry logic, automated reconciliation, and AI-powered conversational collection agents. The $48M Series A in 2025 signals a push toward being the Stripe-like payments OS for large enterprises in Latin America.
Other Crypto / Stablecoin providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/toku/install" width="1" height="1" alt="" style="display:none">8 companies disclose Toku in their stack in the Embedded Finance Index 2026, including ENKONTROL, Tanner, Everyrealm, Lagrange, Sanctum, OpenSea Foundation, Canton Network and Protocol Labs.
Toku is an embedded-finance provider in PSP, Payroll, FX / Payouts and Crypto / Stablecoin. It ranks #18 of 57 Crypto / Stablecoin providers by disclosed buyers.
The most-disclosed Crypto / Stablecoin alternatives to Toku are Zero Hash (25 buyers), Circle (22 buyers), Bridge (17 buyers), BVNK (13 buyers), Fireblocks (12 buyers) and Tempo (12 buyers).
Toku was founded by Cristina Etcheberry and is founded in 2020, headquartered in Santiago, Chile.
Toku has raised $65M (approx.) in total.
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