Request Finance alternative: stablecoin payouts by API
Finance teams paying bills with approvals, payroll and Xero or QuickBooks sync should keep Request Finance. Platforms paying local bank or mobile money accounts from USDT or USDC by API can use Unigox as a Request Finance alternative.
When to stay with Request Finance
Your finance team pays bills, not your users
Request Finance reads vendor invoices by OCR, pays them in a batch and, from the Growth plan up, routes them through approval rules by amount, vendor or entity and syncs to Xero or QuickBooks. Unigox sends the payment only; the bill, its approval and the ledger entry live in your own tools.
No developers, and recipients who only give bank details
In Request Finance you upload a recipient list, review it and pay everyone from the dashboard, and you enter each recipient's name, address and bank details yourself. With the Unigox Payments API your developers build quote and payout calls first, and each recipient passes a Unigox identity check.
Most of your recipients want USDC or USDT
Request Finance charges nothing on stablecoin payouts, on every paid plan and at any volume. The Unigox Payments API is built for the other case: paying out local money.
Request Finance vs Unigox for local payouts
| Topic | Request Finance | Unigox |
|---|---|---|
| What it is | A finance platform for invoices, bills, approvals, payroll and expenses, with a business account and payouts in stablecoins or local currency. | A payout and collection API. Your company pays from, and collects into, USDT or USDC in its partner wallet; your user gets local money. |
| Starting a payout | From the dashboard, one payment or a batch from an uploaded recipient list. API access comes with the Pro plan. | A call from your server for each order: a quote, the recipient's details, then a transfer your server signs into on-chain escrow. |
| Where the money lands | The recipient's bank account, by ACH, SEPA, SWIFT, wire or local fast payment rails. A currency can need an extra check with one of Request Finance's partners first. | The recipient's own bank or mobile money account, paid by a payment business connected to Unigox or a P2P merchant. You can keep orders to payment businesses. |
| Fees on a bank payout | A plan of 50, 300 or 600 USD a month. Off-ramp: 1% on Starter, 0.5% on Growth and Pro, plus 10 USD per local transfer or 30 USD per SWIFT transfer, paid on top by the payer. Volume discounts apply automatically. Custom fees for more than 100,000 USD a month. | No single rate. The quote for each order shows the Unigox fee for that currency and method, your own percentage and the total. |
| Funding and the rate | Two ways: pay from the Request Business Account balance, topped up beforehand (USDC free, USDT 0.30%, bank top-ups 0.30% or 0.60%), or send crypto from your wallet when you start the payment. Funds that reach the converting partner after its quote expires go back to your wallet. | Each quote shows the rate. The payout draws on USDT or USDC topped up in the partner wallet beforehand. If a funded payout stops, it waits in escrow until your server signs the refund to that wallet. |
| Bills and accounting | Invoice capture by OCR, approval rules, payroll, and sync with QuickBooks Online and Xero from the Growth plan. | The payment only. Signed webhooks report each order's status and refunds to the system that holds your bills and books. |
| Regulation | Request Finance, a French simplified joint stock company, says in its terms that it does not itself provide a payment service under the EU payment services directive. Conversion between crypto and fiat runs through its partners Reap, Bridge and Mesta, under their own terms. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxMove payouts from Request Finance to Unigox
Say where your recipients are
Tell Unigox where your recipients are and how they want to be paid, then send your company documents. The KYB you passed with Request Finance does not carry over.
Turn your recipient list into API calls
In the sandbox at api-staging.unigox.com, rebuild the batch you upload to Request Finance as one quote and payout per recipient. Each recipient passes a Unigox identity check.
Top up and go live
Fund the partner wallet in USDT or USDC and send local payouts from api.unigox.com. Bills, payroll and accounting can stay in Request Finance.
Request Finance alternatives: questions
What is Request Finance, and what does Unigox replace?
Request Finance is a French finance platform for invoices, bills, approvals, payroll and payouts in stablecoins or local currency. Unigox replaces one part: paying people's local bank or mobile money accounts from USDT or USDC, through the Payments API.
How is Request Finance priced for bank payouts?
A monthly plan, then 1% on Starter or 0.5% on Growth and Pro, plus 10 USD per local transfer or 30 USD per SWIFT transfer. Volume discounts apply automatically, with custom fees for more than 100,000 USD a month. Its own example: 20 USD on a 2,000 USD local transfer on Growth. Unigox shows its fee in the quote for each order.
Does Request Finance pay out to mobile money?
Its help centre and pricing describe crypto-to-fiat payouts as landing in the recipient's bank account by ACH, SEPA, SWIFT, wire or local fast payment rails. The help centre has no article on mobile money payouts. The Unigox Payments API pays bank or mobile money accounts; Unigox confirms the methods for each currency after KYB.
Do invoicing and approvals stay if payouts move to Unigox?
Yes, for everything you keep there. Invoices, bills, approval rules and accounting sync stay in Request Finance. Payouts you move to Unigox run outside its approval rules: Unigox sends the payment, and its webhooks report each payout back to your system.
See all business comparisonsPrice your payouts outside Request Finance
Send us the countries your recipients are in, bank or mobile money, and your monthly payout volume in USDT or USDC. We answer with the currencies and methods the Payments API can serve for you.
Request Finance and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.