Reduce Operational Downtime & Accrual Exposure.

Predictable transaction costs.
Zero setup fees. No hosting charges.

High-production cycles often mean PTO is deferred, causing financial liability to pile up as an unfunded cost. PTO Exchange allows your workforce to monetize that time without leaving the production line. By converting accruals into retirement or emergency savings, you reward production while shrinking your financial exposure during peak output months. Our transaction-based model ensures you pay only for active benefit utilization, not your total headcount.