How Acctual Scaled Multi-Chain Stablecoin Support to 100+ Countries with Dynamic

Global Payments Are Broken — Acctual Is Building the Fix

Cross-border payments can carry a lot of friction, especially in emerging markets where infrastructure is shaky and currency volatility is high. Traditional banking rails move slow, charge high fees, and often require intermediaries. This makes life difficult for freelancers, businesses, and grant recipients.

Acctual is solving this challenge with crypto.

By integrating stablecoins into financial operations, Acctual is making it faster and cheaper for businesses and independent workers to send, receive, and account for payments. Stablecoins combine the efficiency and transparency of crypto with the stability of traditional currency. Acctual makes them easy to use, no matter where in the world you are.

“We’re seeing designers, developers, and freelancers across Africa, South America, and Asia choosing stablecoins because they’re faster, cheaper, and more stable than their local currencies. Acctual makes that easy.”
— Serge, Founding Engineer at Acctual

Meet Acctual: Onchain Accounting Built for the Real World

Acctual makes it easy for businesses to pay and get paid — in whatever currency they choose.Whether it’s fiat or stablecoins, wallet or bank account, the other party doesn’t need to match. Some businesses come to Acctual wanting to pay or receive stablecoins, while their clients still prefer fiat. Others want fiat but work with partners who insist on stablecoins. Acctual makes both cases seamless.

Payments alone aren’t enough, businesses also need structure and control. That’s why Acctual integrates directly into ERP systems like QuickBooks, merging crypto into existing workflows and reporting.

Their offering is expanding fast. Here’s what they currently offer:

• A free invoice generator allowing anyone to spin up invoices in seconds
• Flexible payment pages that support both crypto and fiat, giving you and your customers complete flexibility
• Cross-chain payment routing enabling payers and recipients to use different assets and networks without extra steps
• Bank account integration allowing businesses to accept crypto and get paid directly to their bank
• Accounting integrations with QuickBooks and Xero for simple reconciliation and reporting

Beyond freelancers, Acctual is helping entire industries adopt on-chain payments. For instance, they’re working with coffee manufacturers in Africa who now prefer stablecoins for faster, more reliable payouts. This helps them avoid processing delays and the unpredictability of local banking systems.

The Hurdles that Acctual Needed to Overcome

Acctual was built to support real-world use cases, not just crypto power users. That meant they needed more than a sleek wallet UI. They needed reliable infrastructure that could support onboarding, cross-chain complexity, and scale with growing user and partner demands. To get there, they needed:

1. Support for an extensive list of chains. Acctual serves a broad user base, each with their own preferred wallets and networks. To meet those users where they are, the team needed a wallet infrastructure that could work across every EVM network, every SVM network, and many non-EVM networks. Acctual also needed an easy way to add new chains on demand.
2. An easy sign-in and payment experience. Invoices and payment pages all had to feel cohesive, even if users were switching between wallets or chains. The goal was to make the process of crypto payments as familiar and simple as using any modern Web2 platform.
3. A way to monitor and act on platform insights. Beyond having a convenient way to manage all of their users, Acctual wanted to dive into advanced insights such as wallet behavior. They needed a clean and unified dashboard to turn user activity into actionable decisions.
4. The ability to scale quickly as usage grew. With growing adoption, Acctual had to ensure the product could scale reliably while maintaining top-tier performance. In addition to handling surges in traffic, the team needed a solution that integrated cleanly into their broader stack so they could focus on core features, not backend maintenance.

Their existing wallet solution couldn’t keep up. The feature roadmap didn’t match their needs and supporting new chains was painful. Further, they were not getting the support they needed and didn’t have the bandwidth to build everything in-house. That’s why they called on Dynamic.

Dynamic’s Impact: Taking Acctual from a Hackathon MVP to a Global Payments Engine

What started as a hackathon integration became critical infrastructure for Acctual’s multi-chain operations. With Dynamic, they were able to move faster and deliver a smoother experience for users in 100+ countries. Here’s what enabled Acctual to scale with confidence:

1. Expansive multi-chain support: Dynamic gave Acctual the ability to support every EVM and SVM network out of the box, along with the flexibility to add custom chains as needed. This allowed them to power cross-chain payments and expand quickly into new markets without added development work.
2. Simple onboarding flows that aligned with their brand: Dynamic’s pre-built components allowed Acctual to integrate wallet and authentication flows that felt fully native to their app. Additionally, social login options removed onboarding friction for both newcomers and experienced wallet users.
3. Flexible wallet logic for users with multiple wallets: Acctual took advantage of Dynamic’s multi-wallet feature, giving users an easy way to manage and receive payments across multiple wallets. Through Dynamic, Acctual was also able to integrate Safe wallets in minutes to support batch payment flows, unlocking enterprise use cases like paying multiple invoices in a single transaction.
4. Deep analytics to guide product decisions: Acctual uses Dynamic’s developer dashboard to gain visibility into wallet behavior and user activity. These insights help the team understand which wallets users connect with, how often they return, and where friction occurs. This data-driven approach continues to inform product decisions and shape their roadmap.
5. Developer-first tooling and white-glove support: Dynamic’s detailed documentation and responsive support through their community Slack made the integration smooth and stress-free. With a direct line to experts who understood their use case, Acctual felt confident relying on Dynamic as a core part of their infrastructure.

More than an integration partner, Dynamic became an extension of Acctual’s team. That support translated into real time saved. As Founding Engineer Serge explained:

“We’re a lean startup. Building authentication, wallet connections, and analytics ourselves would’ve taken a full-time engineer. Dynamic saved us all of that.”