Revolut Business has become a popular alternative to traditional banking for European SMBs offering multi-currency accounts, competitive FX rates on major corridors, and a slick interface. For many businesses, it is a genuine improvement over legacy banks. But for international B2B payments beyond Europe's major corridors, USDC platforms like Truman offer decisive advantages in cost, reach, and settlement speed.
Where Revolut Business Excels
Revolut Business is excellent for EUR/GBP/USD triangles intra-European payments and UK-US transfers. Its FX rates on these corridors are near mid-market, its interface is intuitive, and its multi-currency account feature is genuinely useful for businesses with EUR and GBP revenue. For a UK SaaS company billing European clients, Revolut Business is arguably the best traditional-banking alternative available.
Where USDC Wins
Global reach: Revolut Business supports 30 currencies in 30+ countries. USDC via Truman works in 185 countries including corridors where Revolut has no coverage at all.
Settlement speed: Revolut Business transfers to non-Revolut accounts typically take 1–3 business days. USDC settles in under 60 seconds, 24/7/365.
Pricing: Revolut Business charges a monthly subscription (£25–£79/month depending on plan) plus per-transfer fees above your plan allowance, plus FX fees on non-plan currencies. Truman charges 0.6% per transfer, no subscription, no plan limits.
Revolut Business made European banking better. USDC makes global payments fundamentally different faster, cheaper, and available everywhere banks aren't.
When to Use Each
Use Revolut Business when: your counterparties are primarily in Europe/UK/US, you want a multi-currency account with card features, and your payment volume is low enough that the subscription cost is worth the convenience features.
Use Truman (USDC) when: you pay counterparties in emerging markets, you need instant 24/7 settlement, you have high payment volume where per-transaction fees compound, or you want on-ramp & off-ramp fees among the lowest in the market on USD-denominated transactions.
Key Takeaways
- 1Revolut Business excels for EUR/GBP/USD in-corridor 30 currencies, strong EU coverage.
- 2USDC via Truman works in 185 countries 6× Revolut's geographic coverage.
- 3Revolut charges monthly subscription; Truman charges 0.6% per transfer, no subscription.
- 4USDC settles in 60 seconds; Revolut Business takes 1–3 days to non-Revolut accounts.
- 5Use Revolut for European card/multi-currency accounts; use Truman for global B2B payments.
Ready to move beyond SWIFT?
Pay international suppliers and get paid by buyers in minutes — up to 85% cheaper than a SWIFT wire. Available in 185 countries.
Start sending payments