Equals Money alternative that holds stablecoins
Equals Money turns incoming USDC into USD and holds only dollars. Unigox keeps stablecoins as company balances beside EUR and GBP accounts and swaps them both ways. Stay with Equals Money for team cards and FX hedging.
When to stay with Equals Money
Your staff spend on company cards
Equals Money issues physical and virtual expense cards with spending limits, funds requests and receipt capture. The Business plan costs £300 a month, or £250 a month paid yearly, for up to 20 physical cards and unlimited users.
You hedge currency risk
Equals Money fixes an exchange rate up to 12 months ahead with a forward contract, and runs limit and stop loss orders that convert at a rate you set in advance.
Customers pay you in USDC and you want only dollars
With the Equals Money USDC off-ramp a payer scans a QR code from their crypto wallet, and the USDC arrives as USD in your Equals account, usually within minutes. No crypto stays on your balance.
Equals Money vs Unigox for company accounts and stablecoins
| Topic | Equals Money | Unigox |
|---|---|---|
| What it is | Multi-currency business accounts, team expense cards and FX, plus an embedded API that opens customer accounts, sends payments and issues cards. | EUR, GBP and USD company accounts that sit beside stablecoin balances in the Business Portal, plus OTC deals the Unigox team carries out. |
| Stablecoins | USDC in only: a payer's USDC is converted to USD on arrival, and Equals Money says it holds only US dollars in your wallet. Its off-ramp names no other stablecoin. | Stablecoins stay on your company balance. Swap EUR or GBP into them and back, and send them to or from your Unigox Wallet. |
| Account details | Own-named multi-currency accounts with IBANs, on SWIFT, UK Faster Payments, SEPA and SEPA Instant. | Accounts in your company's name:
|
| Conversions | Spot trades at the live rate, forward contracts up to 12 months, limit orders and stop loss orders between fiat currencies. | OTC deals from EUR or GBP into stablecoins, and back. You confirm each deal at the fee agreed before the first one, and the Unigox team carries it out. |
| Pricing | Card plans at £300 and £420 a month (£250 and £350 a month paid yearly), Enterprise on request; £10 plus VAT per physical card. FX and same-currency payments are priced on volume. | No public price list. Your plan sets the fees for account services, transfers and swaps, and Unigox confirms it before you commit. |
| Getting started | Fill in a form with your business details; a member of the Equals Money sales team then contacts you. API keys are issued during onboarding. | Start business onboarding online and send your KYB documents. Once they are approved, the Unigox team sets up the accounts and OTC access agreed with you. |
| Regulation | Equals Money PLC is an authorised payment institution (FCA 488396); Equals Money International Limited, which issues the cards, is an electronic money institution (FCA 900493). Funds are safeguarded, not covered by the FSCS. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxAdd a stablecoin balance beside Equals Money
Apply with your company
Start business onboarding at Unigox and send registration documents, ownership, source of funds and intended use. Your Equals Money onboarding does not carry over.
Get accounts beside your stablecoins
After approval our team opens the EUR, GBP or USD accounts you asked for in the Business Portal, on the pricing plan agreed with you.
Keep the stablecoins you receive
Move stablecoins from your Unigox Wallet into the Business Portal and hold them there, or swap them to EUR or GBP when a bill is due. Expense cards and currency hedges can stay with Equals Money.
Equals Money alternatives: questions
Is there an Equals Money alternative that holds stablecoins?
Unigox holds stablecoins as company balances next to EUR, GBP and USD accounts. Equals Money accepts USDC and pays it into your account as US dollars; it says it holds only dollars in your wallet.
See OTC dealsHow does the Equals Money API compare with the Unigox API?
Both send payouts, funded differently. The Equals Money API opens accounts, sends single and batch payments over SWIFT, SEPA and UK Faster Payments from your currency balances, takes USDC in as US dollars and issues cards, with an ApiKey in the Authorization header, an IP allowlist and a sandbox. The Unigox Payments API sends local payouts funded in USDT or USDC and takes collections settled in them, with an X-API-Key header and a sandbox after KYB.
See the Payments APIWhat are the Equals Money fees for cards and FX?
Card plans cost £300 or £420 a month, with £10 plus VAT for each physical card, a 1.5% fee for card spending outside its 21 major currencies and £1.50 per cash withdrawal. FX and same-currency payments are priced on your volume. Unigox publishes no price list; we agree your company's plan with you before you commit.
Can Equals Money cards and Unigox run side by side?
Yes. Expense cards and forward contracts can stay on Equals Money while your stablecoins sit on Unigox. They are two separate accounts, each opened after its own company check.
Hold stablecoins next to your EUR and GBP accounts
Tell us how much your company keeps in stablecoins and how often it converts. Our team agrees the accounts and your fees with you first.
Equals Money and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.