Acctual

Acctual is a web-based crypto invoicing and AP/AR automation platform for businesses and freelancers that bill clients globally and want to accept fiat and stablecoin payments with fast settlement.

Key capabilities include:

• Invoice creation with branding and controls, including custom branding, multiple line items, and custom invoice numbers
• Multi-currency payments and flexible settlement, letting customers pay in currencies like USD and EUR or stablecoins such as USDC and USDT, while the recipient can choose a different payout method (wallet or bank) with same-day settlement
• AP/AR automation and accounting sync, with automatic payment matching and reconciliation, plus direct QuickBooks and Xero synchronization (including transaction hash documentation for audit trails)
• Finance operations workflows, including multi-level bill approvals (routing by amount, department, or GL category), batch payments, recurring invoices, OCR-based bill field capture, team invitations, and built-in AML screening

Available on Web (app.acctual.com).

It is designed for B2B finance teams, Web3 companies, and freelancers that invoice in digital assets or need clients to pay in one currency while they receive another.

For Africa-facing teams and contractors working across borders (for example, paying vendors or invoicing clients internationally, including Nigeria-based counterparts), it provides a practical way to accept stablecoin payments and manage accounting without manual spreadsheet tracking.