Compared
Orla vs Request Finance: the account, or the book
Request Finance gives a company an account: virtual accounts, stablecoin payouts and an off-ramp to the bank. Orla keeps the book across the accounts you already have, and moves money from them on your rules.
Request Finance's prices and fees below were read on its own pricing page on 26 September 2026.
Side by side
What each one is, and where approvals start
The honest version, including the rows where Request Finance wins.
| Orla | Request Finance | |
|---|---|---|
| What it isIn one sentence | The book and the rules across the bank and wallets you already have, up to pre-accounting | A business account with virtual accounts, stablecoin payouts and an off-ramp to the bank, plus invoicing |
| PriceTheir pricing page, this month | Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call | Free $0 for invoicing; Starter $50, Growth $300, Pro $600 a month; Enterprise on request; two months free paid yearly, and a 30-day trial without a card |
| Approvals startA second signature | On every plan, the free one included: one rule with a threshold, a signature count and address-book only; named approvers and allowances on Scale, $199 | Growth, $300 a month |
| Batch payoutsMany payees at once | Up to 200 rows from one account, checked by the rule on its total, on every plan; who was paid and which bills it settled from Pro | From Starter, with payroll |
| AccountingThe handoff | A journal CSV for Xero and QuickBooks from Pro, $69 for the company; no sync | QuickBooks Online and Xero with automated reconciliation from Growth; NetSuite on Enterprise |
| TeamWho can log in | Seats per business space by plan; an accountant's seat never counts | One member on Starter, unlimited from Growth |
| The accountWhere the money sits | None of Orla's own: your bank as a payout rail (Revolut Business, Airwallex, Slash, Mercury), your wallets, your exchanges. Orla holds money in two places only, both funded by you on purpose: the card balance and an agent's wallet | Virtual accounts: 1 on Starter, up to 3 on Growth, up to 15 on Pro |
| Fees on moneyWhat moving it costs | None from Orla: a payout or a bill leaves from your own bank or wallet and carries that rail's own cost. Orla's own fee sits in three places: a crypto swap and a card top-up, each named on the screen before you confirm, and what an AI agent's wallet spends on its own | Stablecoin payouts free at any volume; off-ramp to a bank 1% on Starter or 0.5% from Growth, plus $10 local or $30 SWIFT; funding free in USDC, 0.30% in USDT or USD, 0.60% in EUR, BRL, MXN and GBP |
| Crypto in the bookExchanges and wallets | First class: six exchanges by read-only key, BTC, EVM, TRON and Solana wallets, a cost basis kept through swaps, and payouts sent in stablecoins | Stablecoin balances and payouts inside the account; exchanges and your own wallets are not on the pricing page |
| APIFor your own code | An integration and agent API with revocable keys, and MCP for your own agent | API access from Pro |
Prices and plans change on their side too. Seen one here that has? Tell us
The arithmetic
Where approvals begin
The first control a growing company wants is a second signature.
What the arithmetic leaves out: Request Finance's $300 also buys an account, and Orla's price does not, because Orla has none.
Fair is fair
Where Request Finance is stronger
A comparison you can trust has to be able to say this.
- The account itself: virtual accounts that take money and an off-ramp to a bank built in. Orla connects the bank you already have; it does not open one.
- Stablecoin payouts at no fee, at any volume, from a balance they hold. Orla's payout leaves from your own wallet, and the network charges its fee.
- Payroll from the cheapest paid plan. Orla sends a batch on every plan but files no payroll taxes.
- A QuickBooks Online and Xero integration with automated reconciliation from Growth. Orla exports a journal file and does not sync.
- A 30-day trial of the paid plans without a card.
If what you are missing is an account that takes stablecoins and pays out to a bank, Request Finance is the product built for that, and Orla is not.
Where Orla is different
The whole book, not the stablecoin corner of it
If any of this is your company, the comparison decides itself.
- A rule on every plan: the first approval rule costs nothing, and the advanced ones cost one price for everyone.
- Your exchanges by read-only key and your wallets by address, a cost basis kept through swaps, and a sale posted into the accountant's journal with its realised gain.
- Bills that read themselves without trusting the email: the amount and due date come off the file, where to pay comes from the contact card.
- Cards prepaid in USDT or USDC, each with its own ceiling, which the holder can freeze.
- A month with a fingerprint: a checklist of what blocks the close, and “changed after the handoff” if a row moves later.
The short answer
Who should pick which
Three honest cases, the third included.
Questions
The questions the table does not answer
Is Orla a Request Finance alternative if I need an account to hold money?
No. Orla has no account of its own and opens none. It connects the bank you already have (Revolut Business, Airwallex, Slash and Mercury as payout rails, statements from any other bank) and your wallets and exchanges, and keeps the book across them. Request Finance is a business account with virtual accounts and stablecoin payouts.
Where do approval workflows start on each?
Request Finance: Growth, $300 a month. Orla: one rule with a threshold, a signature count and address-book only on every plan, the free one included, in a business space; several rules, named approvers and a monthly allowance per person on Scale, $199 a month for the whole team. Request Finance's prices as read on 26 September 2026.
What does it cost to move money on each?
Request Finance: stablecoin payouts free at any volume; an off-ramp to a bank is 1% on Starter and 0.5% from Growth, plus $10 local or $30 SWIFT; funding is free in USDC, 0.30% in USDT or USD by bank, 0.60% in EUR, BRL, MXN and GBP. Orla takes nothing on a payout, which leaves from your own wallet or bank and carries the network's or the bank's own cost.
Does Orla do payroll like Request Finance?
Orla pays a batch of up to 200 rows from one account, imported from a CSV if you like, and keeps recurring templates that prepare the draft on schedule; sending is always a person's action, and the approval rule checks the batch on its total. It files no payroll taxes and collects no tax forms. Batches are on every plan, and the breakdown of who was paid on Pro and above.
Can I keep Request Finance as the account and use Orla as the book?
Yes. Export from Request Finance and drop the CSV on Orla's Import: the rows land on the account you point them at, your categorisation rules run on them, and a row already on the books is skipped rather than doubled.
Other comparisons
Keep the account you have, and give it a book
The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.
Or compare against Rise → Every comparison on one page →- Orla vs T:0 →
- T:0 keeps GAAP books with a CPA; Orla runs everything before the accountant, and speaks crypto.
- Orla vs Dimely →
- Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
- Orla vs Fuelfinance →
- Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
- Orla vs Light →
- Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
- Orla vs Neno →
- Neno is a Dutch accounting firm with an account of its own that files for you; Orla files nothing and hands the month to your accountant.
- Orla vs Bill.com →
- Bill.com prices every user; Orla is one subscription for the company, on bank and crypto rails.
- Orla vs Ramp →
- Ramp is free for registered companies with $25,000 in the bank; Orla takes a company anywhere, and its crypto.
- Orla vs Tipalti →
- Tipalti is payables for finance teams from $99 plus fees; Orla prints its whole price and fits a company of three.
- Orla vs Rise →
- Rise charges $49 per contractor for payroll and compliance; Orla pays from your own wallet at one price.
- Moving off Midday →
- Midday is winding down after joining Ramp; Orla reads its whole export on every plan, categories and receipts included.
- Orla vs YNAB →
- Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
- Orla vs Monarch →
- Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
- Orla vs Copilot Money →
- Copilot tracks American money in dollars; Orla holds several currencies and puts coins in the budget.
- Orla vs Lunch Money →
- Both independent, both outside America; the split is whether a coin is a balance or a line.
- Orla vs Splitwise →
- Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
- Orla vs CoinTracker →
- One counts last year's crypto for the tax office; the other runs your money all year.
- YNAB alternatives →
- Five options with the price and the catch on each.
- Splitwise alternatives →
- Two free like-for-like options, one different idea, and when moving a group is not worth it.
See it on your own books
Thirty minutes: we connect an account, drop a real bill in, and close a month together.