Why switch from Ramp?
Ramp wasn't built for global operations.
Ramp focuses on US-centric spend management. Once your business operates across borders, you hit limitations: no multi-currency accounts, high FX fees, no stablecoin support, and limited international payment rails.
- US-only corporate cards with limited international merchant acceptance
- No native stablecoin or crypto payment support
- International wire transfers are slow and expensive
- No business accounts for non-US entities
- Limited payment rails: no SEPA, SWIFT, or SPEI support
- FX fees eat into your margins on every cross-border transaction
- No offramp capabilities for companies holding digital assets
Feature comparison
Request Finance vs Ramp: Feature Comparison
See how Request Finance stacks up against Ramp across the features that matter most for global businesses.
Corporate Cards
Accounts Payable
Global Operations
Integrations & Accounting
Why Request Finance?
Why companies choose Request Finance over Ramp
Built for global-first companies
Unlike Ramp's US-centric model, Request Finance gives every entity its own business account, global payment rails that include SEPA, SWIFT, SPEI, and Faster Payments, and corporate cards coming soon.
Hold crypto, pay via bank automatically
Hold stablecoins in your treasury and pay vendors via bank transfer automatically. Or pay in crypto. Request bridges the gap between traditional finance and digital assets, something Ramp simply doesn't do.
Lower fees on international transactions
Stop losing 2-4% on every cross-border payment. Request Finance offers competitive FX rates and stablecoin-powered transfers that dramatically reduce the cost of operating globally.
Enterprise-grade controls
Multi-level approval workflows, role-based access, and complete audit trails. Everything your finance team needs to maintain control as you scale.
Use cases
When to choose Request Finance over Ramp
You operate in multiple countries
Your teams and vendors are spread across the globe. You need payment rails that work everywhere, not just in the US.
You hold or transact in stablecoins
Your treasury includes USDC, USDT, or other digital assets. You need a platform that bridges crypto and traditional banking seamlessly.
You're tired of FX fees eating your margins
Every cross-border payment costs you 2-4% in hidden fees. You want transparent, competitive rates on international transactions.
You need accounts payable at scale
Whether you process 10 or 10,000 invoices per month, you need batch payments, approval workflows, and multi-rail support.
Get started
3 steps to transform your company's spend management
Open your account
Complete your Know Your Business verification before you go live. It usually takes a few days and means your counterparties are verified too.
Top up your account
Deposit any currency: fiat or stablecoin. Flexible funding options for your business needs.
You are set up!
Your finance team is ready to go. Control, approve, and monitor business spend in real time.
Customers
Trusted by finance teams in 190+ countries.
It has improved the security of our stablecoin payment processes.
David Norris
Head of Finance, Near Protocol
It is a game-changer for any Web3 business looking to streamline their financial operations and take advantage of the benefits of stablecoins.
Magdalena Fichtl
Head of Finance & Operations, Gelato
Request Finance onboarded our Delaware C-corp in just 11 days over the New Year holiday. This was hands-down the most efficient crypto fundraising experience possible given all the KYB, AML and compliance requirements.
Vitality
Founder, Yurtofun
Other solutions we saw did not have all the functionalities we needed, like batch payments.
Sebastien Borget
COO & Co-founder, The Sandbox
Request revolutionized our financial operations by simplifying cross-currency transactions, ensuring transparent and auditable records through a paper trail creation.
Juan Pablo Andersson
Finance Operations, The Sandbox
Request Finance makes it easy for our accountants to manage our payments, and simplifies payroll for our global team.
Rudy Kadoch
CEO, Nested Finance
Request gave me structure. It gave me a workflow to manage supplier payments connected to the contacts of those suppliers along with their wallet addresses. It gave me confidence knowing that I would be sending funds to a supplier's wallet address they have entered directly into their invoice.
Ryan Kris
COO, Verida
The app has essentially eradicated risks associated with human error, such as payments sent to incorrect wallet addresses. Furthermore, it has enhanced our capability to monitor our crypto payroll history, providing improved transparency and oversight.
Jaime Barriga
CEO VP Finance, OpenZeppelin
Request Invoicing and Expenses features have streamlined our processes, providing time-efficient management of payables both in crypto and FIAT. With their intuitive interface and robust functionalities, we've seen a remarkable improvement in tracking, managing, and optimizing our financial workflows.
Vitalij Aleksandrov
Head of Finance, Merit Circle
The team at Sonic Labs used to spend many hours a month just on managing and accounting for crypto payments. With Request, we now spend only far fewer hours processing almost US$100k in payments monthly, and we anticipate that this number will go up.
Michael Kong
CEO, Sonic