Best Slash Alternatives for Mass Payouts and Stablecoin Payables (2026)

Who this post is for

Slash gives a company outside the United States a dollar account with US account and routing numbers, USDC and USDT rails, and since April 2026 a Visa card, with no US entity required. Its bill pay has multi-step approvals, its invoices can be paid in stablecoins, and it costs $0 or $25 a month. If you need a dollar account and a card, Slash does the job and this post will not talk you out of it.

This post is for teams whose problem is the payment run, not the account. You pay a few hundred affiliates, creators, contractors or vendors every month, some to a wallet and some to a bank. Or you invoice clients in USDC and want each payment to land already matched to its invoice. That is a workflow problem, and it is where Request Finance starts. Below are the tools worth a look, including the ones that beat Request on cards, currencies or price.

One thing this post is not about: the balance. Slash and Request Finance both hold your money as a dollar stablecoin and convert euros or pounds on the way in. If you need to hold those currencies, go straight to Airwallex or Wise Business below.

Where Slash stops

Everything here comes from Slash's own product pages, help centre, terms and API reference, read on 10 November 2026.

• Payouts are described one at a time. Slash's Bill Pay page lets you schedule a bill or pay it now. Its stablecoin payments page and help centre describe sending to one recipient. None of them describes uploading a file to pay many recipients at once. The API reference lists ACH, wire, international wire and real-time transfers, each created one per request, and lists no endpoint for sending USDC or USDT. If you pay 300 people a month, ask Slash how before you assume.
• Reconciliation is documented per invoice and per bill. Slash invoices have been payable in USDC and USDT on eight networks since March 2026, and bill payments sync to the accounting system. What Slash's pages do not describe is a payout run in which every on-chain payment carries its own reference into the ledger. At 20 payments a month that does not matter. At 500 it is the month-end close.

Slash alternatives at a glance

1. Request Finance

Best for: teams that pay many people at once and get paid in stablecoins, and want both reconciled without spreadsheet work.

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

Mass payouts. Export the period's payouts from your tracking or campaign tool as a CSV and upload it. Each line is matched to the recipient's saved payout details, duplicates are flagged, and you review the whole run on one screen before anything moves. Stablecoin payouts and bank payouts are released as two batches, one approval each. USDC and USDT land in minutes. Bank payouts go out by ACH, wire, SEPA, Faster Payments, SPEI, IMPS/NEFT or SWIFT, depending on the rails enabled on your account. Recipients do not need an account with Request. Teams that want to trigger runs from their own system can use the API on the Pro plan. UB Ads Media replaced four local payment gateways with one account to pay publishers in four countries, and Whatever Digital pays 40+ creators a month this way. The mass payouts page shows the full run.

Where it pays off most: many small payments. Take an AI agency that recruits people to test models, label data or take part in research studies. One project can mean 400 participants in 30 countries, each owed $10 to $40. Paid one by one, that is 400 transfers, and a fixed bank fee would swallow a large part of each. With Request Finance, the agency uploads the participant list as a CSV, or just uses the API, checks the total once and approves. 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 study reference for the accountant. The longer the list and the smaller the amounts, the more the batch is worth.

On-chain payments that reconcile themselves. Every payout stays attached to its invoice or reference, whichever rail it took, and syncs to QuickBooks or Xero. On the receivables side you invoice in USDC, USDT or 25+ currencies. Your client pays on-chain or by bank transfer, and the payment is matched to the invoice when it arrives.

Either side can stay in the currency they know. A client can pay in stablecoins while you only deal in traditional currency, or the reverse. The account does the conversion in between.

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. USDC top-ups are free and USDT top-ups cost 0.30%. The roadmap stays on-chain, with yield on idle balances and tokenized assets planned.

Limitation: no corporate cards yet, only a waitlist. Slash is also cheaper if all you need is the account, and its approvals come at a lower price.

2. Airwallex

Best for: batch payouts in many traditional currencies, and holding euros or pounds.

Airwallex pays up to 1,000 recipients from one uploaded file, across 150+ countries, with approval flows and cards. It also holds balances in many currencies, which neither Slash nor Request does. If your reason for leaving Slash is the dollar-only balance, Airwallex answers it directly.

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

3. Wise Business

Best for: the lowest-cost batch payouts when nobody you pay wants stablecoins.

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

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

4. Tipalti

Best for: large payee networks where collecting tax forms is part of the job.

Tipalti's Mass Payments product pays into 200+ countries in 120+ currencies through 50+ payment methods. Payees onboard themselves through a branded portal and submit their own W-9, W-8 or VAT details, and payments sync to NetSuite, QuickBooks, Xero and other systems. Its pricing page lists Mass Payments from $249 a month.

Limitation: no stablecoin payouts are listed, so the recipients banks cannot reach stay unreachable.

5. Ramp

Best for: US, Canadian and UK companies that want cards, bill pay and a stablecoin account from one provider.

Ramp's free plan covers cards and bill pay with approvals, and batch payments come with the Plus plan. Since July 2026 US businesses can hold USDC and USDT and pay vendors' wallets in 140+ countries. Bill pay also sends local currency to about 60 countries.

Limitation: only companies registered in the US, Canada or the UK can apply, and the stablecoin account is for US businesses outside New York. There is no invoicing.

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. Recipients can be imported in bulk, but we did not find a way to pay from a file.

7. Brex

Best for: funded US companies that want corporate cards with tight spend controls.

Brex combines cards, a business account, bill pay and expense management. It announced USDC payments from the business account on 30 September 2025.

Limitation: only companies registered in the US can open an account, and Brex's help centre says bills are paid one at a time, with no bulk bill payment.

8. Coinbase Business

Best for: a company that mostly holds USDC and wants to send it to wallets or email addresses.

Coinbase Business sends USDC to an on-chain address or an email, collects USDC through payment links, and offers a Payouts API for on-demand, batch and scheduled payouts.

Limitation: no payouts to a recipient's bank account, no invoice approvals and no cards.

How to choose

• You pay hundreds of people a month, some to wallets and some to banks. Request Finance. If none of them want stablecoins, Wise Business or Airwallex will do it for less. If you also need their tax forms, Tipalti.
• You pay hundreds of research participants or testers small amounts. Request Finance, in stablecoins. A fixed fee per bank transfer makes no sense on a $20 payment.
• You invoice in stablecoins and want payments matched to invoices. Request Finance.
• You need a dollar account and a card, without a US entity. Stay on Slash.
• You need to hold euros or pounds. Airwallex or Wise Business. Neither Slash nor Request Finance does this.
• You have a US entity and want banking plus cards. Mercury, Brex or Ramp. Add Request Finance when the payout run or stablecoin invoices arrive.
• Your whole business is in USDC. Coinbase Business, with a payables tool on top once invoices need approving.

Frequently asked questions

Does Slash support mass payouts or CSV uploads?

Slash's Bill Pay page, stablecoin payments page and help centre do not describe paying many recipients from one file, and its API reference creates one transfer per request. That was the position on 10 November 2026.

Can I send USDC or USDT through the Slash API?

Slash's API reference lists ACH, wire, international wire and real-time transfers. It lists no endpoint for sending stablecoins to a wallet. Stablecoin payments are made from the dashboard.

What does each account hold my balance in?

Slash's Global Account is denominated in USDC, in a wallet you self-custody. A Request Business Account is held in USDB, or in USDC for companies based in the EU. Both are dollar stablecoins, and neither is a bank deposit.

Can Slash or Request Finance hold euros or pounds?

No. Both receive euros and pounds and convert them into the dollar balance. Airwallex and Wise Business hold balances in those currencies.

Which Slash alternative reconciles on-chain payments to invoices?

Request Finance. Each payout in a batch stays attached to its invoice or reference and syncs to QuickBooks or Xero, and an incoming stablecoin payment is matched to the invoice it settles.

Is Request Finance cheaper than Slash?

No, not as an account. Slash is $0 or $25 a month. Request Finance has a Free plan for invoicing, and paid plans start at $50 a month. What you pay for is the payout run, the approvals and the reconciliation.

Is Request Finance a replacement for Slash cards?

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

Next step

If your month ends with a payout file and a reconciliation spreadsheet, Request Finance is built for that. Open a free account, or book a demo to see a payout run uploaded, approved and reconciled in one sitting.

Here is a full comparison between Request Finance and Slash.

Also read: Request Finance vs Ramp, Request Finance vs Brex, Request Finance vs Airwallex.