Cherum vs Request: cross‑chain payouts compared
Invoicing and payouts solve different halves of the same problem. Which half you are in decides the tool.
What Request is good at
Request Finance is a mature accounts-payable product: invoicing, expenses, crypto payroll and bookkeeping, with cross-chain stablecoin payouts. If your team needs invoices, approvals and accounting records around every payment, that end-to-end workflow is its strength.
Where Cherum is different
Cherum is a lightweight fan-out swap — the payment, not the paperwork. No invoicing or accounting setup: paste a list, sign once, done. And it reaches much wider — any token (not just stablecoins) across 26 networks, including non-EVM chains like TON, Solana and Bitcoin.
| Feature | Request Finance | Cherum |
|---|---|---|
| Cross-chain payouts | Yes | Yes |
| Tokens | Mainly stablecoins (USDC/USDT) | Any token / native assets |
| Networks | Set of EVM chains + Tron | 26 — EVM + TON, Solana, Bitcoin, Tron… |
| Built-in token conversion (swap) | Limited | Yes |
| Invoicing / accounting workflow | Yes | No — payment only |
| Setup to send | Account + invoice/approval flow | Connect wallet, paste list, sign |
| Custody | Non-custodial | Non-custodial |
Comparison reflects publicly documented features as of mid-2026; check each product for the latest.
When to use which
Use Request when…
You're a finance team that needs invoices, approvals and accounting around stablecoin payroll and vendor payments.
Use Cherum when…
You just need to pay many wallets across chains — in any token, including TON/Solana/Bitcoin — quickly, in one signature, without an accounting layer.