Description
Gilded is an enterprise-grade crypto invoicing and payments platform (now a sub-brand of Bitwave) that enables businesses to streamline their crypto financial operations.
Key Features
- Crypto Invoicing — Accept payment in 30+ tokens including BTC, ETH, and stablecoins, with automated recurring invoices for subscription billing. Gilded detects payments and automatically reconciles invoices.
- Crypto Bill Pay — Send payments and record expenses so your accountant can follow along. Web3 ready and 100% non-custodial.
- Crypto Mass Pay — Pay your team in crypto (up to 300 addresses) in a single transaction while automatically recording expenses for accounting.
- Crypto Accounting — Sync crypto transactions to your general ledger with rules-based automation.
Integrations
Deep integrations with QuickBooks Online, NetSuite, and Xero for seamless accounting workflow. Additional integrations include Coinbase, Pipedrive, Stripe, and Blockpass.
Security & Compliance
100% non-custodial — Gilded is never in the flow of funds. Designed for finance teams, accounting firms, ops teams, and NFT brands who need a reliable, repeatable crypto operations strategy.
Highlights
Pros
- Recurring invoicing automates subscription billing cycles with auto-generated invoices, payment tracking, and reconciliation — built for retainer and SaaS payment models.
- Automatic payment detection and invoice reconciliation reduce manual bookkeeping work — users report approximately 85% of accounting tasks are automated, per verified QuickBooks App Store reviews.
- 100% non-custodial architecture — Gilded is never in the flow of funds, eliminating counterparty risk and keeping full asset control with the user at all times.
- Deepest QuickBooks Online, NetSuite, and Xero integration in the crypto invoicing space — syncs transactions directly to your general ledger with rules-based automation for streamlined accounting.
- Supports payments in 30+ tokens including BTC, ETH, and stablecoins, with batch payments to up to 300 addresses in a single transaction for efficient mass payroll.
Cons
- Limited blockchain and token support compared to market leaders — supports far fewer chains and tokens than competitors like Request Finance (350+ tokens, 18+ chains).
- Lacks post-payment automation flows such as auto-splitting funds across wallets, auto-bridging to a preferred chain, or auto-off-ramping to fiat upon receipt.
- White-label capabilities are minimal — hosted payment pages and invoices carry Gilded branding instead of the merchant's own brand, which affects professionalism in high-ticket B2B contexts.
- No support for partial multi-currency payments — clients cannot split a single invoice across multiple tokens or chains, forcing them to consolidate before payment.
- No smart invoicing features such as early payment discounts, late fee accrual, or escrow-based milestone releases — capabilities that are standard in traditional B2B billing.