Best Brex Alternatives for Non-US Companies and Stablecoin Payments (2026)

Who this post is for

Brex built its name on corporate cards for startups, and has grown into a full finance platform. A US company gets corporate cards in more than 50 countries, expense management, bill pay with approvals, invoicing and a business account, with a free Essentials plan. Since April 2026 it has been part of Capital One. If you are a funded US company that wants cards and spend control, Brex does the job and this post will not talk you out of it.

This post is for the companies that run into Brex's limits: an account for US-registered companies only, funding or revenue thresholds to qualify, and stablecoin payments that are still on a waitlist. Below are the tools worth a look, including the ones that beat Request Finance on cards or currencies.

Where Brex stops

Everything here comes from Brex's own pages and legal terms, read on 11 November 2026.

• Only US-registered companies can apply. Brex's Platform Agreement says only companies organized and registered in the United States may apply, and that companies registered elsewhere may not open an account. Brex also asks for a US tax number, a US physical address and US operations. A company registered in Singapore, Brazil or the UAE cannot use it.
• You need funding or revenue to qualify. Brex's requirements page asks for an equity investment, more than $500,000 a year in revenue, or a referral from a partner. Monthly card payments need $50,000 in cash for a funded startup.
• Stablecoin payments are still on a waitlist. Brex announced stablecoin payments on 30 September 2025, starting with USDC. More than a year later, its stablecoins page is still a waitlist.
• No stablecoin invoicing is listed. Brex has invoicing built into its business account and matches payments to invoices. Its pages do not mention paying an invoice in USDC or USDT.

Brex alternatives at a glance

Pleo, Spendesk and Payhawk are covered below. None of them lists stablecoin features, so they are not in this table.

1. Request Finance

Best for: companies outside the US that pay and get paid in stablecoins, and want payables and receivables reconciled in one place.

Request Finance is accounts payable, accounts receivable and payouts built around stablecoins, with a business account underneath. Three things set it apart from Brex.

Open to companies outside the US, with no minimum. A company registered outside the United States can open an account, from Latin America and Asia to Europe, Africa and the Middle East. There is no minimum balance, funding or revenue to qualify.

Stablecoin payments today, not on a waitlist. Pay a vendor in USDC or USDT, or to their bank account by ACH, wire, SEPA, Faster Payments, SPEI, IMPS/NEFT or SWIFT, depending on the rails enabled on your account. Invoice your clients in USDC, USDT or 25+ currencies. They pay on-chain or by bank transfer, and the payment is matched to its invoice when it arrives. A client can pay in stablecoins while you only deal in traditional currency, or the reverse.

Payout runs for long lists and small amounts. Upload a CSV of recipients, or send the run through the API. You review the whole run on one screen and release it, with one approval per rail. Take an AI agency paying 400 research participants between 10 and 40 dollars each. Each participant receives USDC or USDT in their wallet within minutes, with no fee per payout on paid plans, and every line stays tied to its reference for the accountant. The mass payouts page shows the full run.

Pricing: a Free plan for invoicing, Starter at $50 a month with batch payments and free stablecoin payouts, Growth at $300 with approvals, accounting sync and automated reconciliation, and Pro at $600 with API access. Paying out to a bank account costs 1% on Starter or 0.5% on Growth and Pro, plus $10 on local rails or $30 by SWIFT.

Limitation: no corporate cards yet, only a waitlist, and no expense management at Brex's depth. For a funded US company that mainly wants cards, Brex's free plan is the better deal.

2. Ramp

Best for: US, Canadian and UK companies that want cards and spend control.

Ramp is the closest alternative to Brex. Its free plan covers cards, expense management and bill pay with approvals. US businesses can also hold USDC and USDT and pay vendors' wallets in 140+ countries.

Limitation: the stablecoin account is for US businesses only, and a US company needs $25,000 in a US bank account to apply.

3. Airwallex

Best for: cards, accounts and payouts in many traditional currencies.

Airwallex offers cards, bill pay with approvals, and accounts that hold balances in many currencies. It pays up to 1,000 recipients from one uploaded file, across 150+ countries. For a company outside the US that wants what Brex does, in several currencies, it is the closest match on this list.

Limitation: stablecoins are limited to USDC payouts through the API, in early access, and are not in the web app.

4. Pleo, Spendesk or Payhawk

Best for: a European company that wants corporate cards and spend control in euros or pounds.

These are the European counterparts to Brex. Pleo publishes its prices, from £8 per user a month, and serves companies in 16 European countries. Spendesk and Payhawk quote on request. Spendesk charges a platform fee with no per-user fees, and Payhawk offers accounts and cards in seven currencies with supplier payments in 150+ countries.

Limitation: none of the three lists stablecoin payments, so stablecoin payables and receivables happen outside them.

5. Slash

Best for: a company outside the US that wants a dollar account and cards.

Slash gives non-US companies a dollar account with US account and routing numbers, USDC and USDT rails, and a Visa card, with no US entity required. Its bill pay has multi-step approvals and its invoices can be paid in stablecoins. It costs $0 or $25 a month.

Limitation: its pages describe payouts one at a time, with no payout from a file. The balance is in dollars only.

6. Mercury

Best for: US-incorporated startups that want a bank account, cards and bill pay in one place.

Mercury is a banking platform for US companies, with cards, bill pay with approvals, invoicing, and wires in USD or 40+ currencies.

Limitation: US entities only and no stablecoins.

7. Wise Business

Best for: low-cost transfers when nobody you pay wants stablecoins.

Wise Business holds balances in many currencies, pays up to 1,000 transfers from one CSV or XLSX file at the mid-market rate plus a published fee, and issues debit cards.

Limitation: no stablecoins, and the approval and accounting tooling is simple.

How to choose

• You are a funded US company that wants cards and spend control. Stay on Brex, or compare it with Ramp.
• You are a US company that does not meet Brex's thresholds. For cards, Ramp, which asks for $25,000 in a US bank account, or Mercury. For payables and stablecoin payments, Request Finance, which has no minimum.
• You are registered outside the US and want cards. Airwallex for several currencies, Pleo, Spendesk or Payhawk in Europe, or Slash for a dollar account.
• You pay or get paid in stablecoins. Request Finance.
• You pay hundreds of contractors, creators or research participants small amounts. Request Finance, in stablecoins. A fixed fee per bank transfer makes no sense on a 20 dollar payment.
• You pay suppliers in many currencies and never touch stablecoins. Wise Business or Airwallex.

Frequently asked questions

Can a non-US company open a Brex account?

No. Brex's Platform Agreement says only companies organized and registered in the United States may apply. Brex supports the international entities of its customers, with local cards in more than 50 countries, but the customer itself must be a US company.

What do you need to qualify for Brex?

A US incorporation, a US tax number, a US physical address and US operations. On top of that, Brex asks for an equity investment, more than $500,000 a year in revenue, or a referral from a partner. Meeting these requirements does not guarantee approval.

Does Request Finance have a minimum to open an account?

No. There is no minimum balance, funding or revenue to open a Request Finance account.

Does Brex support stablecoin payments?

Brex announced stablecoin payments on 30 September 2025, starting with USDC. On 11 November 2026 its stablecoins page was still a waitlist.

Did Capital One buy Brex?

Yes. Capital One announced the acquisition on 22 January 2026 and completed it on 7 April 2026. Brex continues under its own name.

Can I invoice in USDC with Brex?

Brex has invoicing built into its business account and matches payments to invoices. Its pages do not mention paying an invoice in stablecoins.

Is Request Finance a replacement for Brex cards?

Not today. Request Finance covers payouts, payables, receivables and the business account. Teams that need cards now keep a card provider alongside it.

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