Acctual's comprehensive finance operations platform combines crypto invoicing with AP/AR workflow management, purpose-built for Web3 businesses and traditional companies accepting crypto payments. The platform transforms manual spreadsheet-based crypto payment tracking into an intuitive, automated financial operations system that integrates directly with accounting software and crypto treasury infrastructure.
Crypto Invoicing
Create and send professional invoices that accept payment in multiple currencies—fiat (USD, EUR, BRL, HKD, AED) or stablecoins (USDC, USDT)—while receiving funds in your preferred currency with same-day settlement. The platform supports unlimited invoice creation across all tiers, with transparent 1% fees on cross-currency conversions and 0% fees for same-method payments. Invoices sync automatically with QuickBooks and Xero, eliminating manual data entry.
Key Invoicing Features
- Multi-currency flexibility with cross-currency conversion (customer pays in BRL, seller receives HKD)
- Same-day payment settlement directly to bank account or crypto wallet (no Net 30/60 delays)
- Support for ACH, wire transfers, PIX (Brazil), MPesa (Africa), and major stablecoins across multiple blockchains
- Design-first interface for creating professional invoices in seconds
- Serving 5,000+ businesses across 129+ countries
AP/AR Workflow Management
The platform's AP (Accounts Payable) and AR (Accounts Receivable) system is designed specifically for Web3 finance teams dealing with crypto treasury operations. Unlike traditional AP systems like Bill.com that don't connect crypto payments to bills, Acctual provides an AP/AR system that connects crypto payment execution from multisig wallets and hot wallets to proper financial workflows and audit trails.
Bills & Vendor Management
- Import bills, categorize expenses aligned with ERP systems
- Vendor invoice generator for creating payable records
- Contact management and vendor tracking
- Batch payment processing for multiple simultaneous transactions
Enterprise-Grade Controls
- Multi-level approval workflows ensuring compliance and preventing unauthorized transactions
- Proper internal controls for crypto payments with full audit trails
- Role-based permissions for approvers and executors
Crypto Treasury Integration
- Direct integration with multisig wallets (Safe/Gnosis Safe) and hot wallets
- Execute payments from crypto treasury while maintaining AP workflow
- Eliminates the stress of generating transactions outside the AP system
- Automated synchronization with QuickBooks and Xero for accurate financial records
Time Savings & Business Impact
The platform frees up 10-20 hours per month for finance teams by automating reconciliation, eliminating spreadsheet tracking, and streamlining approval workflows. This time can be redirected to strategic financial planning and analysis rather than manual payment tracking.
Use Cases
- Global freelancers invoicing international clients with flexible payment options
- Remote-first companies paying global contractors and managing vendor bills
- Web3-native businesses with crypto treasuries needing proper AP/AR workflows
- Finance teams at Web3 startups eliminating spreadsheet-based payment tracking
- Traditional businesses entering crypto payments while maintaining accounting compliance
- Exporters dealing with cross-border payments needing same-day settlement
Pricing Structure
Invoicing: 1% fee on cross-currency conversions (0.95% Growth, 0.9% Company, custom Enterprise), 0% for same-currency payments
AP/AR Tiers:
- Free: 5 bills/month, downloadable reports, contact management
- Growth ($150/month): 15 bills/month, automated accounting sync, batch payments
- Company ($300/month): 30 bills/month, vendor invoice generator, multi-level approvals
- Enterprise (custom): Unlimited bills, custom chain/token support, custom wallet integration
Compliance & Security
All workflows are designed with compliance in mind, providing proper audit trails for crypto treasury operations and ensuring finance teams can demonstrate internal controls for crypto spending to auditors and regulators.
