Manage company balances, payments, cards and approvals in one workspace.
Stablerail as a Request Finance alternative
Request Finance is a finance-operations layer for crypto: invoices, bills, expenses and payroll, prepared for approval and then paid from a wallet you connect. Stablerail is the account underneath that layer — the place the balance actually lives, with custody, screening, approvals, cards and fiat rails in one product. The honest framing is not feature-for-feature: one prepares the paperwork, the other holds and moves the money.
Side by side
| Dimension | Stablerail | Request Finance |
|---|---|---|
| What it is | A self-custodial business account for stablecoin treasury | Crypto invoicing, AP, expenses and payroll software |
| Where funds sit | In your own MPC wallets inside the account | Wherever your connected wallet is; the tool does not custody funds |
| Custody | Self-custodial MPC with quorum-protected key export; Stablerail cannot sign alone | Non-custodial by design — you connect an external wallet or multisig to pay |
| Networks | Ethereum, Arbitrum, Base, Optimism, Polygon, BNB Chain, Solana, Tron, Bitcoin, Litecoin, Bitcoin Cash and XRP | Multiple chains for invoicing and payment, defined by the connected wallet |
| Approvals | Organisation-level policy engine on the money itself: amount, asset, counterparty, role, self-approval limits and signing quorum | Approval workflow on invoices and bills before payment is executed |
| Counterparties | Counterparty register with accepted network, address history and screening per record | Vendor and contractor records tied to invoices |
| Screening | Sanctions and wallet-risk checks before release plus ongoing monitoring, stored as evidence | Compliance checks focused on invoice and entity data rather than pre-release wallet screening |
| Payouts | Batch vendor, contractor and payroll runs from saved counterparties | Batch payment of approved invoices and payroll from the connected wallet |
| Invoicing | Payment requests, invoices and reconciliation against incoming payments | Its core strength: invoices, bills, expenses, payroll and accounting exports |
| Cards | Stablecoin-funded corporate cards with limits, freeze and transaction feed | Not a card programme |
| Fiat rails | SEPA, SEPA Instant, ACH, SWIFT, Faster Payments and virtual IBANs via regulated partners | Fiat payouts supported through partners for certain corridors |
| Earn | Idle balances can be deployed from the same account under policy control | Not included |
| Gas | Fees sponsored where supported on Tron, EVM and Solana | Paid by the connected wallet |
| Evidence and close | Audit log of every action plus an evidence pack per transaction, alongside accounting exports | Strong accounting exports and invoice records; on-chain evidence comes from your wallet |
| Accounting integrations | Exports built for close; reconciliation against invoices in-product | Direct integrations with common accounting systems |
Comparison reflects Stablerail's own assessment of publicly available information about Request Finance and is not endorsed by Request Finance.
Choose Stablerail if
- You need somewhere to actually hold the treasury, not just paperwork on top of a wallet.
- You want screening and approval evidence attached to the payment itself, before it is signed.
- You want corporate cards and SEPA, ACH or SWIFT rails on the same balance.
- You hold USDT on Tron or balances on Solana and Bitcoin as well as EVM chains.
- Your current setup is a multisig plus a spreadsheet plus a browser tab for screening.
Choose Request Finance if
- Your gap is invoicing, expenses and accounting integrations, not custody or controls.
- You already have custody you are happy with and only need an AP layer on top.
- You need deep two-way sync with a specific accounting system today.
- Your contractors invoice you in many currencies and you want them to self-serve the paperwork.
Frequently asked questions
Is Stablerail a Request Finance alternative?
Partly. Request Finance sits on top of a wallet and handles invoices, bills and payroll paperwork. Stablerail is the account itself: custody, policy approvals, screening, batch payouts, cards and fiat rails, with payment requests and reconciliation included. Companies replacing a multisig plus AP tool stack usually consolidate into Stablerail.
Does Request Finance hold my money?
No. It is non-custodial and executes payments from a wallet you connect, which is why it pairs with — rather than replaces — a treasury account.
Can I still do invoicing in Stablerail?
Yes. You can raise payment requests and invoices, and reconcile incoming payments against them from the same account.
Can we use both?
Yes. Some teams keep their AP and accounting workflow in Request Finance and hold and control funds in Stablerail, paying approved bills from the treasury account under policy and screening.
What does Stablerail add for the auditor?
An audit log of every action, screening results stored against each payment, and an exportable evidence pack per transaction — rather than an invoice record plus a block explorer link.
Keep reading
One account for stablecoin treasury, cards and payouts.
Receive, approve, screen, pay, card-spend and off-ramp — with audit evidence on every transaction.