Request Finance

Request Finance is an all-in-one business financial platform that enables companies to manage crypto and fiat operations through a single interface. Launched in 2021, it is built on top of the Request Network — an open, decentralized payment protocol originally developed on Ethereum — and serves more than 2,000 businesses and entrepreneurs across 170+ countries. Clients include organizations such as Balderton, Deloitte, Ledger, PwC, Near Protocol, Gelato, and The Sandbox.

Built on the Request Network

Request Finance sits as a product layer on the Request Network protocol, which provides the underlying infrastructure for creating, tracking, and settling payment requests on distributed ledgers. The Request Network Foundation raised roughly $30 million via a token generation event in 2017 to build the open-source protocol, and its native REQ token supports governance, anti-spam, staking, and platform discounting functions. Request Finance abstracts the blockchain complexity away from end users, letting businesses leverage on-chain financial infrastructure without needing to interact directly with smart contracts.

Core Product Suite

The platform organizes its offering across six main product areas:

Accounts Receivable — Businesses can create invoices in local currencies and collect payment in cryptocurrency or fiat. The platform tracks payment status automatically using on-chain data, eliminating the need to manually poll blockchain explorers. Recurring invoices, scheduled payments, escrow arrangements, and late-payment charges are all supported.

Accounts Payable — Vendor invoice management with approval workflows, automated payment execution, and full audit trails. Batch payment capabilities allow companies to pay hundreds of recipients simultaneously in a single transaction cycle.

Payroll — Request Finance handles crypto and fiat salary disbursements to global workforces, accommodating different currencies, stablecoins, and local payment rails within one workflow. The platform released a revamped payroll solution in 2025 focused on streamlining the management of both payment types for distributed teams.

Expenses — Employees submit expense claims that finance teams can reimburse in crypto or fiat from a central account, with compliance workflows built in.

Corporate Cards — Cards funded directly from the company account with real-time spending controls and budget limits.

Business Account — A central hub for holding and moving value across more than 25 currencies and stablecoins. Virtual IBANs and SWIFT access allow companies to operate across bank rails alongside crypto wallets, covering 190+ countries.

Blockchain and Stablecoin Support

Request Finance supports payments across multiple blockchain networks, including Ethereum, Polygon, Celo, Fantom, Near, Tron, and Solana. Solana support was added in 2024, enabling USDC and USDT payments on the network. Solana's low transaction costs and high throughput make it a practical settlement layer for the volume of business payments the platform processes.

In September 2025, Request Finance partnered with the Aleo Network Foundation to introduce privacy-first crypto payroll using zero-knowledge cryptography. The integration lets companies automate employee payments while shielding sensitive wage data from public visibility on-chain — addressing a compliance gap that standard blockchain transparency creates for enterprise payroll. Within weeks of launch, Request Finance had processed $3.7 million in Aleo token payments through the integration, and Aleo climbed to become the second most-used blockchain for payments on the platform.

Adoption and Volume

By late 2025, Request Finance had processed over $1.2 billion in cumulative transaction volume. In November 2025 alone, the platform handled 4,185 crypto payments worth $30.6 million, driven primarily by stablecoin-denominated business payments. The platform rated 4.7 out of 5 on Capterra across 47 user reviews, with 98% positive sentiment. Users most frequently cite ease of invoice setup, clean interface, and the ability to accept crypto while keeping fiat denomination for accounting purposes.

The typical customer base skews toward small and mid-sized businesses in computer software, IT services, and gaming, though the platform counts larger enterprise names among its clients. Users include developers, founders, and finance managers operating globally.

Integrations and Compliance

Request Finance integrates with mainstream accounting software including QuickBooks Online, Xero, and NetSuite, as well as self-custody tools such as MetaMask and Ledger hardware wallets. Stripe integration supports fiat-side payment acceptance. The platform holds SOC 2 Type 1 certification and has partnered with OpenCover for insurance coverage on platform funds.

Pricing

Request Finance publishes tiered subscription pricing: Basic at $300 per month, Pro at $600 per month, and Premium at $1,500 per month. Stablecoin payouts are noted as free. For invoice-based usage, the platform has historically applied a 0.1% fee per invoice capped at $2. A free trial is available for new accounts.

Position in the Market

Request Finance competes in the emerging segment of crypto-native business finance, where startups, Web3 protocols, and globally distributed companies need financial tooling that handles stablecoins and digital assets natively rather than as an afterthought. The platform's dual-rail approach — supporting both on-chain crypto and traditional bank settlement — gives it broader utility than pure crypto-native payment tools, while its deeper feature set distinguishes it from general-purpose invoicing software that adds crypto as a bolt-on. The Aleo partnership signals a push toward enterprise-grade privacy features as a differentiator, particularly relevant for companies operating across jurisdictions with varying payroll disclosure regulations.