Best of
Four platforms compared on reconciliation, chain support, accounting integration and what happens before and after the invoice.
The best stablecoin invoicing platform depends on what you need beyond the invoice itself. Request Finance and Gilded are built for crypto-native accounts-payable and accounting-system sync at business scale. Bitwage is built around global payroll and contractor payments with crypto as one payout option. Hanko is built for service businesses that also need a proposal and a signed agreement before there's anything to invoice, with a stablecoin payment option alongside fiat. None of them is the right pick for every buyer — the platform categories are genuinely different.
| Platform | Best for | Starting price |
|---|---|---|
| Request Finance | Crypto-native businesses and DAOs managing invoicing and payables | Free for individual freelancers; paid Basic/Pro/Premium tiers for businesses — confirm current rates directly |
| HankoThis is us | Agencies, consultants and freelancers billing clients in fiat or stablecoins | $19/mo (Starter), $49/mo (Pro, up to 5 team members) |
| Bitwage | Global teams and freelancers paid on payroll-style schedules | Free tier available; paid business plans scale per worker — confirm current fees, as sources on exact figures were inconsistent |
| Gilded | Finance and ops teams needing enterprise-grade crypto accounting | Free Standard tier; paid tiers reported but not independently confirmed at research time — check gilded.finance directly |
Pricing checked September 2026. Hanko figures from Hanko's own pricing page. Request Finance, Bitwage and Gilded figures are cross-referenced across multiple independent sources (vendor sites, review aggregators) as of September 2026; exact paid-tier pricing for all three was inconsistent across sources at research time and is stated qualitatively rather than as a specific number — confirm directly with each vendor before quoting to a prospect.
Best for: Crypto-native businesses and DAOs managing invoicing and payables
A non-custodial invoicing, accounts-payable and treasury tool for crypto-native teams — issue invoices in a chosen currency, get paid in stablecoins or other tokens, and sync to accounting software.
What we like
Where it falls short
Pricing: Free for individual freelancers; paid Basic/Pro/Premium tiers for businesses — confirm current rates directly
Choose it if: you're already invoicing and need deep accounting-system sync and broad chain support
Skip it if: you still need to pitch and get a contract signed before there's an invoice
Best for: Agencies, consultants and freelancers billing clients in fiat or stablecoins
Runs the full client relationship — proposal, e-signed agreement, invoice, and payment — with a stablecoin option on the same invoice as card, ACH and wire, plus a client portal.
What we like
Where it falls short
Pricing: $19/mo (Starter), $49/mo (Pro, up to 5 team members)
Choose it if: you need to win the client first, not just invoice one that already exists
Skip it if: your business is crypto-native AP/treasury at scale and needs deep accounting-system sync
Best for: Global teams and freelancers paid on payroll-style schedules
A global payroll and contractor-payment platform, founded in 2014, that lets freelancers and companies send and receive wages in Bitcoin, stablecoins, or local currency, with customizable invoicing for requesting payment.
What we like
Where it falls short
Pricing: Free tier available; paid business plans scale per worker — confirm current fees, as sources on exact figures were inconsistent
Choose it if: you're paying (or being paid as) a distributed team on a recurring payroll schedule
Skip it if: you need proposals, contracts, or a client-facing portal, not just payroll delivery
Best for: Finance and ops teams needing enterprise-grade crypto accounting
Enterprise-oriented crypto accounting and payments platform — invoicing, recurring billing, and payment tracking across 30+ tokens, with transaction-level sync into QuickBooks, NetSuite and Xero including fair-market-value pricing at payment time.
What we like
Where it falls short
Pricing: Free Standard tier; paid tiers reported but not independently confirmed at research time — check gilded.finance directly
Choose it if: your finance team needs enterprise-grade crypto transaction accounting
Skip it if: you're a small team that just needs to send a proposal and get paid
The clearest way to sort these four: if your problem starts before there's an invoice — pitching a client, getting a scope signed — Hanko is the only one of the four built for that stage. If your problem starts after there's already something to invoice, Request Finance, Bitwage and Gilded each fit a specific shape of that (crypto-native AP, global payroll, enterprise accounting, respectively).
Choose Request Finance if you're already crypto-native and need accounting-system sync. Choose Bitwage if you're paying or being paid on a recurring payroll schedule. Choose Gilded if your finance team needs enterprise-grade crypto transaction accounting. Choose Hanko if you need to pitch, contract, and bill a client — with stablecoins as one payment option, not the whole tool.
For an agency that also needs to send proposals and get contracts signed before invoicing, Hanko covers that full arc with a stablecoin payment option built in. Request Finance, Bitwage and Gilded start later, at the invoice or payables stage.
Gilded and Request Finance both report direct integrations with QuickBooks, Xero, and NetSuite (Gilded also lists SAP for Request Finance). Neither Hanko nor Bitwage currently offers that depth of accounting-system sync.
Request Finance, Bitwage and Gilded each report a free tier for individual/freelancer use, with paid plans for businesses. Hanko's paid plans start at $19/month with proposals and agreements included from that tier.
Yes — USDC is supported across all four platforms, alongside other tokens that vary by platform (see each entry above).
Proposals, agreements, invoicing and stablecoin payments — in one workspace, from $19/month.
Product
InvoicingProposalsAgreementsClient portalsSolutionsCompareAlternativesBest ofTemplatesPricingProduct updates and the occasional tip, about once a month.