Acctual

BillMinute is a browser-based invoicing service for freelancers and small businesses that bill clients locally or across borders. Users can create invoices in a client’s currency, apply country-specific invoice formats, add business branding and payment instructions, and send invoices by email with a PDF and an online viewing link. The service records invoice activity, including when an invoice is opened, and lets users mark invoices paid and export invoice data as CSV. A free plan supports up to 10 sent invoices per month; the paid Pro plan adds unlimited invoices, scheduled recurring invoices, customizable reminders before and after the due date, and late fees. BillMinute does not collect or process customer payments; users add their own bank details or payment links, and clients pay them directly. It is intended for freelancers and small businesses, particularly those billing clients in other countries.

TrustLinq is a Swiss-regulated crypto-to-fiat payment platform that lets users use their cryptocurrency to fund local fiat payments in more than 70 currencies and send those payments by bank transfer to any recipient, even if the recipient does not accept crypto or the sender does not have a bank account. TrustLinq supports stablecoins such as USDT, USDC, and EURC, converts them into fiat, and delivers funds through established rails like SWIFT, SEPA, Faster Payments, and ACH, with most business payments completed quickly and tracked in a dashboard. It maintains a self-custodial model so users keep control of their wallet, and it operates under strict Swiss anti-money-laundering and data privacy laws. TrustLinq enables individuals to pay everyday expenses such as rent, tuition, travel, and services directly from their crypto holdings, and it allows businesses to settle supplier invoices, salaries, and operational costs without traditional banking conversion steps.