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 25 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 | 25 networks: EVM, TON, Solana, Bitcoin, Tron and more |
| 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 GRAM, Solana or Bitcoin, quickly and in one signature, without an accounting layer.