Managing global payments has never been straightforward. Businesses that operate across borders juggle multiple currencies, deal with slow bank transfers, and struggle to keep financial records organized. Stablecoins promised faster settlement, but most platforms that handle digital assets lack the invoicing, approval workflows, and accounting tools that finance teams actually need. Request was built to solve that gap — combining a multi-currency business account with stablecoin rails under one roof.
This guide covers everything you need to know about Request, from its core products to real-world use cases, so you can determine whether it fits your operations. Whether you’re evaluating a crypto payment gateway for your business or looking for a more complete treasury management solution, understanding how Request structures its platform will help you make an informed decision.
What Is Request Finance?
Request Finance is a business account platform designed for companies that need to hold, receive, and send money across 190+ countries. It combines traditional fiat banking infrastructure — virtual IBANs and SWIFT transfers — with stablecoin wallets for USDC and USDT. Instead of maintaining separate accounts for different currencies and digital assets, businesses get everything in a single dashboard.
The platform targets finance teams at companies of all sizes. Startups use it for fundraising and contractor payouts. Established businesses rely on it for vendor payments, payroll, and cross-border transactions. The key differentiator is that stablecoin payouts land in minutes with zero fees, while bank payouts reach virtually every country in the world.
Unlike exchanges or wallet providers, Request isn’t primarily a trading platform. It’s built around operational finance — invoicing, approvals, mass payouts, and reconciliation. That focus matters because finance teams need audit trails, compliance verification, and integration with their existing accounting systems, not price charts and order books.
Core Products and Features
Business Account
The foundation of Request is the Business Account. You can hold 25+ currencies and stablecoins from one place, receive funds through virtual IBANs or stablecoin wallets, and send payments via bank rails or blockchain. Every transaction comes with full records and controls that satisfy auditor requirements.
Real-time cash position tracking shows your balances across all currencies simultaneously. This eliminates the spreadsheet gymnastics many finance teams perform at month-end to reconcile what they actually have available.
Accounts Receivable
The Accounts Receivable module handles invoicing end-to-end. Create professional invoices, set up approval policies, and accept payments in both fiat and stablecoin. Counterparties are verified through KYB processes, reducing the risk of sending funds to incorrect or fraudulent addresses. Invoices create a paper trail that accountants can follow from creation through settlement.
Accounts Payable
Accounts Payable manages the outgoing side of your finances. Upload recipient lists for batch payouts, approve payments through customizable workflows, and pay vendors in local currency or stablecoin. For businesses with hundreds of suppliers, running batch vendor payouts replaces dozens of individual transfers with a single reviewed file.
Recurring payments automate regular obligations like subscriptions, retainers, and salary disbursements. Invoice automation reduces manual data entry by pulling information directly into the system.
Stablecoin Payments
Stablecoin payouts through Request are free regardless of plan tier. Funds move on-chain and arrive in minutes rather than waiting for multi-day bank settlements. The platform includes double payment detection to catch duplicate transactions before they process, and scam vigilance features to prevent accidental transfers to malicious addresses. Insurance coverage through OpenProtect adds another layer of security against hacks and protocol issues.
Key Use Cases
Mass Payouts and Affiliate Payments
Businesses that distribute funds to large numbers of recipients — affiliate networks, content platforms, marketplaces — benefit significantly from Request’s batch payout capabilities. Upload a CSV with recipient details and amounts, review the list, and send everything at once. Stablecoin batches settle almost instantly; bank batches reach recipients in 190+ countries.
| Use Case | Best Rail | Typical Settlement | Fee Structure |
|---|---|---|---|
| Affiliate payouts | Stablecoin | Minutes | Free |
| Vendor payments | Bank or stablecoin | Minutes to days | Depends on rail |
| Contractor payroll | Stablecoin | Minutes | Free |
| Supplier payments | Bank | 1-3 days | Standard wire fees |
Global Contractor and Freelancer Payments
Remote teams span time zones and tax jurisdictions. Request lets you pay contractors anywhere in the world without worrying about international wire delays or exchange rate surprises. Contractors receive funds in their preferred currency, and the sender maintains clear records for tax and accounting purposes.
Marketplace and E-commerce Payments
Platforms that connect buyers and sellers need reliable escrow-like behavior and clean fund distribution. Request’s approval workflows ensure that money moves only after the right people authorize it. The combination of fiat and stablecoin options gives marketplace operators flexibility when settling with merchants who may prefer different payment methods.
Security and Compliance
Request takes security seriously because handling other people’s money demands it. The platform holds SOC 2 Type 1 certification, meaning its security controls have been independently audited. Every counterparty undergoes KYB verification before being able to transact, which protects you from accidentally sending funds to unverified entities.
Insurance coverage through OpenProtect guards against protocol-level issues and hacking attempts. On-chain double payment detection monitors transaction patterns to stop duplicate sends. Scam vigilance tools flag suspicious addresses and behaviors before money leaves your account.
These measures matter most for regulated industries and companies that need to demonstrate compliance to auditors, investors, and partners. A complete paper trail from invoice creation through payment settlement satisfies even the most thorough financial reviews.
Who Should Use Request?
Request works well for several types of businesses:
Web3 and Crypto Companies — Fundraising, team payroll, and vendor payments in stablecoins without the friction of traditional banking. Projects like Near Protocol, The Sandbox, and Sonic Labs use Request to manage complex multi-currency operations.
SaaS and AI Companies — Global teams require regular contractor payments, software subscription payouts, and cross-border revenue collection. Request consolidates all of this into one account instead of spreading it across five different banking relationships.
E-commerce and Wholesalers — International supplier payments, bulk distributor settlements, and multi-currency revenue management become simpler when everything runs through a single platform with batch processing capabilities.
Marketing Agencies and Media Companies — Influencer payouts, creator commissions, and affiliate distributions happen frequently and involve many small recipients. Batch stablecoin payouts eliminate the administrative burden of processing dozens of individual transfers each month.
Getting Started
Setting up a Request account takes minutes and requires no credit card. You can explore the platform freely for 30 days before any commitment. KYB verification runs when you activate your business account, typically completing within a few days. Once verified, you can start moving money globally immediately.
The platform offers three tiers starting at $50 per month. Stablecoin payouts remain free across all plans with no setup fees. For businesses already paying 1.5 – 3% in FX spreads and wire fees through traditional banks, the savings calculator on Request’s website shows concrete annual cost comparisons based on your actual transaction volume.
If your finance team currently juggles between a bank account, a crypto wallet, and a spreadsheet to track global payments, Request provides the structured alternative that brings everything into one place.