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 global USD 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 global USD account, corporate cards that work in 190+ countries, and payment rails that include SEPA, SWIFT, SPEI, and Faster Payments.
Stablecoin-powered, fiat-friendly
Hold stablecoins in your treasury and pay vendors in fiat 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, per-card spending limits, 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 fiat 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 quickly and securely or do it later.
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.
The finance platform your team will actually enjoy using
Time saving, efficient, compliant, less stressful... and much more!
We designed Request for CFOs, COOs, and founders who value clarity and control.
Discover how you can save time, save money, and stay in control.
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
Other solutions we saw did not have all the functionalities we needed, like batch payments.
Sebastien Borget
COO & Co-founder, The Sandbox
It makes the whole invoicing process more efficient for all the parties involved.
Daniel Lustig
Founding Member, Ocean Protocol
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