In short
Bitoshi is a Stripe alternative for businesses that want stablecoin settlement or that Stripe won't onboard: customers pay by card and you receive stablecoins (USDC/USDT) in your own wallet, non-custodially, with no bank underwriting.
| Bitoshi | Stripe | |
|---|---|---|
| Settlement asset | Stablecoins to your wallet | Fiat to a bank (verify) |
| Custody | Non-custodial | Custodial balance (verify) |
| Onboarding | No bank underwriting | Underwriting; restricts many businesses |
| Card payments | Yes | Yes |
| Global reach | 160+ countries | Country-restricted (verify) |
Competitor details change over time - verify current fees and features on their site.
When Stripe isn't an option
Stripe is excellent where it operates, but it declines many businesses and regions and settles fiat to a bank it can freeze. Bitoshi is the non-custodial alternative: card acceptance with stablecoin settlement to your own wallet.