Performances
RD Popularity Index
RD Growth Index
Comparison
Fundraising
Follow Updates
Follow Lists
People
About Acctual
Acctual handles invoicing and collection for small businesses and freelancers, putting cards, ACH, SEPA and stablecoins behind one payment link: the payer picks a method, the recipient names a wallet or bank account, and the platform converts and clears in between without holding funds. Stablecoin and bank transfers cost 1%, cards 2.7%, with no monthly fee, and invoices sync both ways with Xero and QuickBooks. Both sides complete identity checks, stablecoins book on confirmation counts and fiat books on clearing receipts.
The use case is cross-border services: a studio in Nigeria invoices a US client, the client pays by card, the studio receives USDC; or the client pays USDT and the recipient gets euros. Compared with plain wallet collection it carries the invoice number, reconciliation and ledger coding, cutting manual movement between chain and books. Fiat rails depend on partner banks and processors, and ACH settlement typically takes one to three days.
In 2026 Acctual has operated on a zero-subscription, per-transaction model: 2.7% on cards and 1% on both bank transfers and stablecoins, with USDC and USDT accepted and same-day settlement to a bank account or wallet, plus automatic reconciliation with QuickBooks and Xero. It has served more than 5,000 businesses and freelancers across 129 countries. Invoices, payment links and multi-currency virtual accounts are bundled so clients can pay by card, ACH/SEPA or stablecoin, and funds are not held on the platform.
Acctual will keep competing for cross-border freelancers and small businesses on no subscription fees and cheap stablecoin settlement, widening accounting integrations and payout currencies, and treating compliance and AML capability as the gate to more markets.
Atikh Bana — Co-founder & CEO; payments product background, founded Acctual in New York in 2022, company has raised about $3.85M.
Issa Hassan — Co-founder & CTO; owns the platform's technical architecture.
Mohamedeq Mohamed — Co-founder & Chief Product Officer; leads product and user experience.