# Orla vs Request Finance: the account, or the book URL: https://www.orla.finance/en/vs-request-finance Markdown twin of that page. Append `.md` to any Orla page URL to get one. 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. #### What each one is, and where approvals start - What it is (In one sentence): Orla: The book and the rules across the bank and wallets you already have, up to pre-accounting; Request Finance: A business account with virtual accounts, stablecoin payouts and an off-ramp to the bank, plus invoicing - Price (Their pricing page, this month): Orla: Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call; Request Finance: 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 start (A second signature): Orla: 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; Request Finance: Growth, $300 a month - Batch payouts (Many payees at once): Orla: 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; Request Finance: From Starter, with payroll - Accounting (The handoff): Orla: A journal CSV for Xero and QuickBooks from Pro, $69 for the company; no sync; Request Finance: QuickBooks Online and Xero with automated reconciliation from Growth; NetSuite on Enterprise - Team (Who can log in): Orla: Seats per business space by plan; an accountant's seat never counts; Request Finance: One member on Starter, unlimited from Growth - The account (Where the money sits): Orla: 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; Request Finance: Virtual accounts: 1 on Starter, up to 3 on Growth, up to 15 on Pro - Fees on money (What moving it costs): Orla: 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; Request Finance: 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 book (Exchanges and wallets): Orla: 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; Request Finance: Stablecoin balances and payouts inside the account; exchanges and your own wallets are not on the pricing page - API (For your own code): Orla: An integration and agent API with revocable keys, and MCP for your own agent; Request Finance: API access from Pro #### Where approvals begin The first control a growing company wants is a second signature. - On Request Finance: It arrives with Growth, at $300 a month. Below that, Starter has one member and no approval workflow. - On Orla: The first rule, above this amount this many signatures and only to a payee in the address book, is on every plan, the free one included. Named approvers, amount bands and allowances are on Scale, $199 for the whole team. What the arithmetic leaves out: Request Finance's $300 also buys an account, and Orla's price does not, because Orla has none. #### 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. #### 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. #### Who should pick which Three honest cases, the third included. - Pick Request Finance if: you need the account itself: somewhere to hold stablecoins and pay out to a bank, with payroll in stablecoins from day one. - Pick Orla if: you already have the bank and the wallets, and what you lack is the book: bills, rules, cards, invoices, exchanges and wallets in one ledger, and the month for the accountant. - Use both if: Request Finance is your account and Orla is your book: its CSV lands in Orla as a statement, and a row already on the books is skipped rather than doubled. The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.