Web2 vs. Web3 finance: Why paying an invoice shouldn’t feel like a side quest

Web2 vs. Web3 finance: Why paying an invoice shouldn’t feel like a side quest

Web2 vs. Web3 finance: Why paying an invoice shouldn’t feel like a side quest

Cards

Cards

Cards

Cards

Cards

Payments

Payments

Payments

Payments

Payments

Expense Management

Expense Management

Expense Management

Expense Management

Expense Management

Posted by

Raphael

on

Mar 17, 2025

Picture this: You're a CFO at a Web3 company, and you need to pay for your AWS subscription. Easy, right? Let’s start then.

You primarily hold cryptocurrencies in your treasury. To make the payment, you need to move your assets to a trusted partner for off-ramping because the invoice needs to be paid in fiat. Gas fees are expensive, so you have to bridge (at a cost), transfer to the partner (another cost), off-ramp (and another cost), and then send the funds to a bank account that can access a credit card. Only then can you use the credit card to pay the invoice.

Maybe you’re one of the lucky few granted the privilege of a corporate bank account. If you’re even luckier, you don’t have to use your personal credit card. Congratulations—you’ve just paid an invoice. And we haven’t even touched on how you will attempt to track this properly in your finances.

Now, let’s flip the script.

A CFO at a Web2 company pulls out a corporate card, pays the AWS bill, and moves on.

But it doesn’t stop there. They have access to automated spend controls, real-time tracking, and expense management dashboards that provide granular insights. They can issue cards across teams, set spend limits, automate approvals, and track every transaction seamlessly.

The Web2 advantage

This isn’t a luxury—it’s a core part of running an efficient business. It frees them up to focus on growth, not paperwork, and they’re essential for running a business efficiently. And yet, Web3 companies—despite leading the way in the future of finance—are forced to cram their operations into an infrastructure that wasn’t built for them.

Why? Because most financial platforms are still designed for a fiat-first world, and crypto acquiring simply isn’t there yet.

Web2 businesses have access to a full suite of financial tools that simplify every aspect of operations. Need to issue corporate cards to multiple teams? Easy. Want to set spending controls, automate approvals, and streamline expense management? Done. Need real-time analytics to track company spending and optimize budgets? No problem.

For Web3 companies, none of this is straightforward. There are barely any native tools that enable seamless financial management. Issuing stablecoin-funded cards, automating expenses, or managing spend across teams is complex. Instead, Web3 CFOs are forced to rely on a patchwork of manual processes—off-ramping, manual reconciliation, and tedious reporting. It’s time-consuming, expensive, prone to error, and should not be an afterthought.

While Web2 companies automate and optimize, Web3 companies waste resources on processes that should already be solved. It’s not just inefficient—it’s a competitive disadvantage.

The need for native solutions

Web3 companies deserve better. They need financial systems built for their realities—systems that allow them to manage expenses, make payments, and access financial insights without friction.

This isn’t about retrofitting old systems with crypto plugins. It’s about creating solutions where stablecoins and digital assets are native to the process. Imagine stablecoin-enabled corporate cards, automated expense management, and payments that don’t require off-ramping headaches. Systems where compliance is integrated and reporting is seamless.

These tools would transform how Web3 businesses operate. Instead of manual reconciliation, there’s automated tracking. Instead of off-ramping nightmares, there are direct stablecoin to fiat payments. Instead of fragmented systems, there are unified platforms designed for digital asset and fiat operations—leveraging the power of decentralized assets and programmable currencies.

A path forward

The operational realities of Web3 businesses are complex, but they don’t have to be a constant struggle. It’s time to rethink how financial tools are designed for the digital age.

It is not about Web2 vs Web3; It is about building financial tools for companies of tomorrow (and even today!) that have access to digital assets and need to ensure smooth operations, no matter what currencies they want to use.

The future of business finance shouldn’t be about choosing between digital assets and fiat. It should be about creating systems that work natively across both—reducing friction and enabling smarter, faster, and more compliant operations.

In this Article

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Enjoy boundless financial service with Reap

Enjoy boundless financial service with Reap

Enjoy boundless financial service with Reap

Enjoy boundless financial service with Reap

Enjoy boundless financial service with Reap

© 2024 Reap Technologies Limited All Rights Reserved

Ⓡ “Reap” and the Reap logo is a registered trademark of Reap Technologies Limited. 

In Hong Kong, all cross-border payment remittances are processed and carried out by Reap (Remit) Limited, a Money Service Operator licensed by the Hong Kong Customs and Excise Department. Reap (Remit) Limited does not deal in any virtual assets and does not provide any virtual assets services. 

Reap group is not a cryptocurrency exchange and does not provide cryptocurrency custody as a service.

© 2024 Reap Technologies Limited All Rights Reserved

Ⓡ “Reap” and the Reap logo is a registered trademark of Reap Technologies Limited. 

In Hong Kong, all cross-border payment remittances are processed and carried out by Reap (Remit) Limited, a Money Service Operator licensed by the Hong Kong Customs and Excise Department. Reap (Remit) Limited does not deal in any virtual assets and does not provide any virtual assets services. 

Reap group is not a cryptocurrency exchange and does not provide cryptocurrency custody as a service.

© 2024 Reap Technologies Limited All Rights Reserved

Ⓡ “Reap” and the Reap logo is a registered trademark of Reap Technologies Limited. 

In Hong Kong, all cross-border payment remittances are processed and carried out by Reap (Remit) Limited, a Money Service Operator licensed by the Hong Kong Customs and Excise Department. Reap (Remit) Limited does not deal in any virtual assets and does not provide any virtual assets services. 

Reap group is not a cryptocurrency exchange and does not provide cryptocurrency custody as a service.

© 2024 Reap Technologies Limited All Rights Reserved

Ⓡ “Reap” and the Reap logo is a registered trademark of Reap Technologies Limited. 

In Hong Kong, all cross-border payment remittances are processed and carried out by Reap (Remit) Limited, a Money Service Operator licensed by the Hong Kong Customs and Excise Department. Reap (Remit) Limited does not deal in any virtual assets and does not provide any virtual assets services. 

Reap group is not a cryptocurrency exchange and does not provide cryptocurrency custody as a service.

© 2024 Reap Technologies Limited All Rights Reserved

Ⓡ “Reap” and the Reap logo is a registered trademark of Reap Technologies Limited. 

In Hong Kong, all cross-border payment remittances are processed and carried out by Reap (Remit) Limited, a Money Service Operator licensed by the Hong Kong Customs and Excise Department. Reap (Remit) Limited does not deal in any virtual assets and does not provide any virtual assets services. 

Reap group is not a cryptocurrency exchange and does not provide cryptocurrency custody as a service.