For enterpriseUpdated October 2026

Enterprise crypto accounts, compared with the spend platforms

Brex and Ramp scale spend control across entities, and Ramp now holds stablecoins. Neither runs a desk for block execution across 38+ assets, offers self-custody, or settles a digital-asset treasury position to the operating bank the same day. For that side, this is the desk.

Open a business account See crypto for business

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Payout delivered€8,420.00 · SEPA Instant · 9s

3D Secure confirmed $384.00 approved · paid out

countries paid in local currency: 71countries paid in local currency
payout currencies: 38payout currencies
per card or wallet payment: 2.75% + 30¢per card or wallet payment
instant payouts to your account: 24/7instant payouts to your account

Anytime Capital vs Brex, Ramp, Mercury and Slash for enterprises

Capability by capability, from each company's published pages. All four are capable platforms for moving US dollars, and Ramp and Slash now hold stablecoins; the rows below show where they differ on digital assets, card payments and paying people abroad.

Capability	Brex	Ramp	Mercury	Slash	Anytime Capital
Block execution and liquidity	Not offered	Not offered	Not offered	Not offered	Desk-quoted execution across 38+ assets
Self-custody of corporate assets	No	No	No	No	Free non-custodial wallet; the entity holds its keys
Hold stablecoins	USDC payments announced 2025; not confirmed live	Yes: Stablecoin Accounts (USDC, USDT) since July 2026	No: accounts hold fiat only	Yes: Global USD account and USDC/USDT ramps	Receive by payment request, hold and send USDC and USDT
Spend policy across entities	Core strength	Core strength	Basic controls	Card and sub-account separation	Employee cards with limits; run a spend platform alongside us for full policy
Digital assets to USD, same day	Auto-conversion announced with USDC payments	Stablecoins to USD with no conversion fee	Not applicable	Stablecoin off-ramp (Slash cites 0.75%–1.5%)	Any of 38+ assets, settled by ACH, Fedwire or RTP
Named desk contact	Account management at larger tiers	Account management at larger tiers	Digital support	Digital support	Trading desk by phone, plus two staffed branches

Competitor capabilities reflect publicly available information as of October 2026.

Compare one at a time

Brex vs Anytime Capitalfor enterprises

Ramp vs Anytime Capitalfor enterprises

Mercury vs Anytime Capitalfor enterprises

Slash vs Anytime Capitalfor enterprises

Enterprise

The account a finance team, a security review and a CFO all sign off on

Custom pricing, a named team in a shared Slack channel, every entity onboarded in its own name, and the controls and exports the rest of your stack expects.

Talk to the payments team

A dedicated payments team
- Shared Slack channel with our payments and risk team
- Named account manager and quarterly pricing review
- Custom pricing, payout schedules and reserve terms
Custom pricing from $1M+ a year
- Card pricing set for your volume and card mix, in place of the standard 2.75% + 30¢
- Payout schedules and reserve terms agreed up front, in writing
- Every fee its own line in the reports, so finance can audit the rate
Every entity in its own name
- One account per entity, each with its own account and routing numbers
- Straightforward entities approved the same day; holding companies and layered ownership in a few days
- Separate cards, limits and reports for each entity
A treasury desk, not just a balance
- 38+ digital assets at desk-quoted execution for size, sell support on 20+
- A non-custodial wallet so the entity holds its own keys
- Same-day settlement back to dollars by ACH, Fedwire or RTP
Controls your security review will ask about
- Card numbers never touch your servers: checkout loads from Anytime Capital
- Webhooks signed with HMAC-SHA256; 3D Secure and risk rules you set
- Up to 10 revocable API keys, held by owners and admins; idempotency keys honoured for 24 hours
Built into the finance and AI stack
- QuickBooks Online and Xero exports, with a payouts file to reconcile
- A REST API at 100 requests a minute per key, documented with copy-paste code
- An MCP server for Claude, Cursor and other agents, scoped to a key you can revoke

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Keys per integration, including one for Claude over MCP, and signed webhook endpoints.

Reports in the Anytime Capital dashboard: downloads formatted for QuickBooks Online and Xero, and a payouts file

Reports formatted for QuickBooks Online and Xero, and a payouts file to match every transfer.

One platform

Crypto is one part of the account enterprises run on

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

The Anytime Capital crypto wallet app: bitcoin, ether and stablecoin balances with recent activity

USDC and USDT on Ethereum, Solana and Tron, by payment request to your wallet

Buy and sell bitcoin, ether, solana and 38+ assets at desk-quoted rates

A free non-custodial business wallet, keys on your own device

Same-day settlement back to your bank account

See crypto for business

Employee expense cards

Cards your team can use today, with controls you set once

Issue physical and virtual cards from the same balance your sales land in. Every card has a privacy button, a freeze switch and its own limit, and goes straight into Apple Pay and Google Pay.

See expense cards

Business

•••• •••• •••• 4821

Cardholder

Maya Chen

Exp

••/••

CVV

•••

Details stay masked until the cardholder taps Show.

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

Save and earn more

Keep more of every sale, and get it the same minute

Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.

Fee calculator

Monthly card volume

$50,000

Average sale

Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
PayPal · PayPal Checkout3.49% + 49¢$2,033
Square · Free plan3.3% + 30¢$1,826
Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
Stripe2.9% + 30¢$1,626
Shopify Payments · Basic plan2.9% + 30¢$1,626
Authorize.net · All-in-One plan2.9% + 30¢$1,626
Braintree2.89% + 29¢$1,616
Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
Anytime Capital2.75% + 30¢$1,551
QuickBooks Payments · Invoices and online2.99%$1,495

Saved per year

up to $5,781

vs the highest processor rate above

First 90 days at 2.5% + 30¢

$1,426 instead of $1,551

Claim the launch offer

Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.

0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.

Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.

Payouts in local currency

71 countries. 38 currencies. One bank account.

Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.

countries on local rails: 71countries on local rails
currencies: 38currencies
countries with instant rails: 36countries with instant rails

Europe33 countries

AustriaEURInstant
BelgiumEURInstant
BulgariaEURInstant
CroatiaEURInstant
CyprusEURInstant
CzechiaEURInstant
DenmarkEUR · DKKInstant
EstoniaEURInstant
FinlandEURInstant
FranceEURInstant
GermanyEURInstant
GreeceEURInstant
HungaryEURInstant
IcelandEURInstant
IrelandEURInstant
ItalyEURInstant
LatviaEURInstant
LiechtensteinEURInstant
LithuaniaEURInstant
LuxembourgEURInstant
MaltaEURInstant
NetherlandsEURInstant
NorwayEURInstant
PolandEURInstant
PortugalEURInstant
RomaniaEURInstant
SlovakiaEURInstant
SloveniaEURInstant
SpainEURInstant
SwedenEURInstant
SwitzerlandEURInstant
TürkiyeTRYBank transfer
United KingdomGBPInstant

Americas8 countries

BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant

Asia-Pacific11 countries

BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer

Middle East & Africa19 countries

BeninXOFMobile money
BotswanaBWPMobile money
CameroonXAFMobile money
Congo - BrazzavilleXAFMobile money
Côte d’IvoireXOFMobile money
EgyptEGPBank transfer
GhanaGHSBank transfer
IsraelILSBank transfer
KenyaKESMobile money
MalawiMWKMobile money
NigeriaNGNBank transfer
RwandaRWFMobile money
SenegalXOFMobile money
South AfricaZARBank transfer
TanzaniaTZSMobile money
TogoXOFMobile money
UgandaUGXMobile money
United Arab EmiratesAEDBank transfer
ZambiaZMWMobile money

SEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.

MCP connection

Let your AI agent run payments, with a key you can revoke

Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

Integrations

Works with the tools you already run on

AI assistants, accounting, your website and the wallets in your customers' pockets.

Accounting

Download any date range as a file formatted for import, with fees, refunds and disputes as their own lines.

QuickBooks OnlineFormatted export
XeroFormatted export

See reporting

Wallets

Take Apple Pay and Google Pay at every checkout, and add your employee cards to both.

Apple PayAccept & spend
Google PayAccept & spend

See payment methods

Built for AI-written code

Every docs page comes as Markdown with a ready integration prompt, so any assistant writes your checkout correctly.

ChatGPTllms-full.txt
ClaudeOpen in Claude
GeminiMarkdown docs
PerplexityMarkdown docs
MistralMarkdown docs

Docs for AI assistants

Any website

Paste a Pay button or the checkout into any page, or use a plain link where a builder blocks scripts.

WordPressPay button
WebflowInline checkout
SquarespaceCode block
WixPay link

See website checkout

Branches

Bank from your phone, or walk into a branch

Real people at real counters in Atlanta, Miami and Houston, for account opening, cash, larger crypto orders and anything you would rather sort out face to face.

All branches

Opening next:Nashville Chicago London Sydney

In detail

What enterprises need from a business account

Where a spend platform stops and a desk begins

At enterprise scale the spend-management products do a job worth paying for: policy across entities, card issuance at headcount, procurement approvals, ERP integration. That job is US dollars going out, and in Ramp's case stablecoin balances that pay bills. It says nothing about executing size across a range of digital assets without moving the market against yourself.

That is a desk problem. An order large enough to matter should not be a market order sliding through a thin book — it should be a firm quote from someone who answers the phone, settled against an account titled to the entity, with statements the auditor accepts.

Execution, custody and settlement under one compliant roof

Anytime Capital trades 38+ assets with desk-quoted execution for size and direct sell support on 20+ of them. Every business account includes a free non-custodial wallet, so an enterprise can hold its own keys rather than accepting platform credit risk, while still using the desk for liquidity and the rails for settlement.

Settlement runs the same day to your operating bank by ACH, Fedwire or RTP. Supplier payouts on local rails in 71+ countries from the same account. Records carry dollar values, so the close and the audit trail do not depend on reconstructing history from block explorers. Multi-entity structures are supported; they take a few days to onboard rather than the same day, which is the honest answer.

Crypto for enterprises — FAQ

Do you support multi-entity corporate structures?

Yes. Straightforward entities usually approve the same day; holding companies, multiple subsidiaries, and layered ownership take a few days because the KYB review is genuinely more work.

Can an enterprise hold its own keys?

Yes. Every business account includes a free non-custodial wallet, so the entity controls its keys while still using the desk for execution and the rails for settlement.

How are large orders priced?

Orders large enough to move a public order book are quoted by the desk rather than executed by clicking a screen. Contact the desk before trading size so execution is coordinated.

Explore More

Important Disclosures

Information about Brex, Ramp, Mercury and Slash is based on publicly available data as of October 2026. Features, policies and product availability may have changed since.
This comparison is provided for informational purposes and does not constitute financial, investment, tax, or legal advice.
Anytime Capital, Brex, Ramp, Mercury and Slash are independent companies. This page is not endorsed by, affiliated with, or sponsored by any of them. All third-party names, logos and trademarks are the property of their respective owners and are used here only to identify the companies being compared or the services we work with.
Cryptocurrency is not FDIC insured and its value can fall as well as rise. Digital assets are not deposits.
Identity and business verification are required to open an account. Additional review may be required for certain transaction types or volumes.
Dashboard screenshots show a demonstration business with sample data.
Banking, card, payment processing and payout services are provided by Anytime Capital's licensed partners; Anytime Capital is a fintech company, not a bank. Card and account features are subject to approval and to the terms shown at sign-up.

Enterprise crypto accounts, compared with the spend platforms

Anytime Capital vs Brex, Ramp, Mercury and Slash for enterprises

Capability	Brex	Ramp	Mercury	Slash	Anytime Capital
Block execution and liquidity	Not offered	Not offered	Not offered	Not offered	Desk-quoted execution across 38+ assets
Self-custody of corporate assets	No	No	No	No	Free non-custodial wallet; the entity holds its keys
Hold stablecoins	USDC payments announced 2025; not confirmed live	Yes: Stablecoin Accounts (USDC, USDT) since July 2026	No: accounts hold fiat only	Yes: Global USD account and USDC/USDT ramps	Receive by payment request, hold and send USDC and USDT
Spend policy across entities	Core strength	Core strength	Basic controls	Card and sub-account separation	Employee cards with limits; run a spend platform alongside us for full policy
Digital assets to USD, same day	Auto-conversion announced with USDC payments	Stablecoins to USD with no conversion fee	Not applicable	Stablecoin off-ramp (Slash cites 0.75%–1.5%)	Any of 38+ assets, settled by ACH, Fedwire or RTP
Named desk contact	Account management at larger tiers	Account management at larger tiers	Digital support	Digital support	Trading desk by phone, plus two staffed branches

Competitor capabilities reflect publicly available information as of October 2026.

curl -X POST https://anytime-capital.com/api/v1/payment-links \ -H "Authorization: Bearer $ANYTIME_API_KEY" \ -H "Idempotency-Key: order-1042" \ -H "Content-Type: application/json" \ -d '{ "title": "Consulting — October", "amountCents": 12500, "singleUse": true, "metadata": { "orderId": "1042" } }'

What enterprises need from a business account

Where a spend platform stops and a desk begins

Execution, custody and settlement under one compliant roof

Crypto for enterprises — FAQ

Do you support multi-entity corporate structures?

Yes. Straightforward entities usually approve the same day; holding companies, multiple subsidiaries, and layered ownership take a few days because the KYB review is genuinely more work.

Can an enterprise hold its own keys?

Yes. Every business account includes a free non-custodial wallet, so the entity controls its keys while still using the desk for execution and the rails for settlement.

How are large orders priced?

Orders large enough to move a public order book are quoted by the desk rather than executed by clicking a screen. Contact the desk before trading size so execution is coordinated.

Enterprise crypto accounts, compared with the spend platforms

Anytime Capital vs Brex, Ramp, Mercury and Slash for enterprises

Compare one at a time

The account a finance team, a security review and a CFO all sign off on

Crypto is one part of the account enterprises run on

Cards your team can use today, with controls you set once

A complete payments stack, from your website to your bank account

Your website

Checkout

3D Secure

Risk rules

Instant payout

Invoices, checkouts and receipts your customers actually see

Keep more of every sale, and get it the same minute