2.4%of gross margin
FX bleed
Every wire between euros and dirhams, nairas, or lira loses margin to a spread nobody quotes and a rate nobody benchmarks. On €40M of cross-border volume, that is between €160K and €480K a year.
Financial intelligence for mid-market international companies
Most mid-market CFOs are losing €100K to €250K a year — and can’t see it.
Silent FX bleed. Forecasts that are wrong by 40%. Bank fees nobody benchmarks. Kona finds it, quantifies it, and hands you a report you can show your board.
- Corridor
- EUR ↔ AED · EUR ↔ NGN
- Diagnostic
- 4 weeks · €3,500–€7,500
- Guarantee
- Money-back if no leak found
- Jurisdiction
- Estonia OÜ · EU regulated
- Delivery
- In-person + remote across EMEA
The leak
Three places mid-market treasuries lose six figures a year.
40%median forecast error
Forecast drift
Mid-market cash forecasts published in January are wrong by 40% before Easter. The board thinks the treasury is calm; the CFO knows it is not. Kona shows exactly where the drift enters — and how to close it.
€68Kannual bank fees, unaudited
Fee opacity
Correspondent bank fees, lifting fees, receiving fees, and monthly maintenance rarely reach a benchmark. Kona rebuilds the fee tape line by line, prices it against comparable corridors, and hands the CFO a number to negotiate against.
The Kona Diagnostic
Four weeks. One number. Every euro accounted for.
A structured audit of your treasury operations across FX, forecasting, fees, and cash timing. You get a written report, a corridor scorecard, and a decision memo you can hand to your board.
€3,500 — €7,500
per engagement · fixed fee · money-back guaranteed
Founder
Annette Kona Thomas
Kona is built by an operator, not a consultancy. Before founding Kona, I spent a decade doing treasury for cross-border businesses across the Gulf and Africa — the kind that lose six figures a year to fees, bad forecasting, and bank spread they never see. Kona is the tool I wished I had.
Based in Mersin. Estonian OÜ. Serving EU ↔ Gulf and EU ↔ Africa corridors.
Corridor rates · Aug 2026
Corridor rates, August 2026
| Pair | Rate | Month over month |
|---|---|---|
| EUR/AED | 3.6725 | 0.4% MoM |
| EUR/NGN | 1,847.20 | 2.1% MoM |
| EUR/USD | 1.0842 | 0.2% MoM |
| EUR/TRY | 36.19 | 8.4% MoM |
| EUR/EGP | 52.44 | 3.2% MoM |
Rates as of 03 August 2026, 17:00 UTC. Source: ECB reference rates.
Latest from Insights
Corridor Economics8 min read
The AED has been pegged to the USD since 1997 at 3.6725. That's the only fixed number in this corridor. Everything else — the spread your bank quotes, the fees hidden in the wire, the timing of your euro-to-dirham conversion — is negotiable. Most mid-market CFOs never learn that.
Ready to see your treasury leaks?
hello@kona.systems · Mersin · Estonian OÜ (in registration)