"With Coloca we manage the virtual cards for our clients' digital ad spend — with shared balance per team, per-card controls and payouts in seconds."

HOKO runs the digital ad spend for dozens of brands. Each client has its own budget, its own team and its own platforms (Meta, Google, TikTok).

Before Coloca, they kept a single corporate card per country and manually reconciled every charge to the right client. Frequent errors, endless monthly closings.

With Coloca they issue tokenizable virtual cards instantly. Each card is assigned to a dedicated client pocket, with its own balance, limit and reporting.

The team tops up the pocket when the client confirms budget. The ads run. Charges arrive already categorized. Reconciliation is immediate.

Today HOKO runs 21 active cards — one per client — with $1.4M in total managed balance. Reconciliations that used to take weeks are now automatic.

Each client's monthly close goes out on day 1. The operations team focuses on strategy, not spreadsheets.