Agentic AI in support is the line item that breaks SG&A.

Tokto attributes every prompt, completion, and model dollar to a brand, a channel, a campaign, a use case, and a model, so the CFO can defend AI spend against marketing, operations, and the board.

What you get with Tokto

• Every prompt and model dollar attributed to a brand, a channel, a campaign, a use case, and a model.
• Smart routing to the cheapest capable model for support versus personalization versus content. Teams report 30 to 50 percent cost reduction.
• Budgets by brand, by channel, by campaign, with real-time alerts and auto-disable on overrun.
• Defensible AI cost reporting for the audit committee, the card brand, and the insurer.

How it works

Tokto sits at the financial control plane of AI in the retailer. Every personalization model, every agentic support call, every merchandising assistant carries a brand, a channel, a campaign, a use case, and a model. The CFO knows what AI cost the flagship brand last quarter, what it cost support, and what it cost the vendor partner who passes it through at markup.

When the audit committee asks for AI ROI per brand, when the insurer asks how AI cost maps to AI risk, when finance has to defend agentic AI to operations, the answer is one report against the system of record. The CFO defends AI spend the way every other line item is defended.

What goes wrong without it

• Agentic support spend runs 8x forecast. No business line can be held to a number. The CFO gets the call.
• AI spend came in 15x over forecast. Marketing, support, and personalization all blame each other.
• A vendor partner passes through AI cost at markup with no detail. The audit committee asks why.
• The insurer asks for AI cost by use case at renewal. The CFO produces a spreadsheet, not a record. The premium adjustment is punitive.