Comparison · Light vs Wirex
Light vs Wirex
Wirex Business is business banking for Web3 and crypto companies: named USD, EUR and GBP accounts, stablecoin balances with 1:1 conversion, prepaid corporate cards and yield on idle stablecoins. Light is one agentic ledger where cards, expenses, bills, vendor payments, billing and consolidation sit in the same books.
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In detail
Light and Wirex, compared
| Feature | Light | Wirex |
|---|---|---|
| 01General ledger | One agentic ledger; consolidation posts as transactions happen | A business account with named USD, EUR and GBP accounts, stablecoin wallets and one unified balance; activity exports as statements and reports for your books. |
| 02Group consolidation | Consolidation and eliminations run on the same ledger and update as transactions post. | One Wirex account per business, with one balance across currencies, cards and wallets. |
| 03Currencies | Each entity keeps its own currency and local books and rolls up to one group view. | Named USD, EUR and GBP accounts with 1:1 conversion to stablecoins such as USDC and EURC. |
| 04Company cards | Cards issued in Light. Spend posts to the same ledger as everything else. | Prepaid cards, physical or virtual, accepted wherever Visa or Mastercard is, funded from fiat or stablecoin balances, including payroll cards for teams and contractors. |
| 05Expenses | Expenses, vendors and cards connected to your ledger. | Card transactions log automatically; users attach receipts, categorise spend and export audit-ready reports. |
| 06Paying suppliers | AP and vendor payments executed on local rails in 80+ countries, from the ledger itself | Transfers over SWIFT, SEPA and Faster Payments, instant stablecoin transfers across chains, and one-time virtual cards for vendors. |
| 07Customer invoicing and revenue | Contract-based invoicing and deferred revenue automated | Incoming payments land in named USD, EUR and GBP accounts and can convert to stablecoins automatically. |
| 08Reporting | Real-time multi-entity reporting with instant drill-down; no spreadsheet exports | Live limits and analytics, automated reconciliation and reporting, and statement exports. |
| 09Automation | Agents complete work end to end inside your controls; every action logged and attributable | A full API for account creation, payments and reporting. |
Also in Light
Agents do the routine work
They code, match and post inside the controls you set, with every action logged.
Implementation is included
A dedicated Light team moves your entities onto Light in weeks, with an account manager included.
SaaS metrics from the ledger
ARR, MRR, NRR and churn are computed from the ledger and your contracts in real time, with no extra module.
Group reporting is always current
Every entity rolls up in real time, with drill-down to the source document and no exports.
Put spend on the ledger
Wirex Business runs USD, EUR, GBP and stablecoin balances with prepaid corporate cards and exports statements for your books. Light's agents capture, code and post spend inside its own ledger, under your finance team's controls.
- 01
Bill customers in the same books
Wirex receives incoming payments into named accounts and can convert them to stablecoins. Light also handles customer invoicing, contract-based billing and deferred revenue, so the P&L and balance sheet come from the system that holds the spend.
- 02
Run every entity on one ledger
Wirex gives each business one account with a unified balance across currencies, cards and wallets. Light holds every entity on one ledger and consolidates as transactions post, with intercompany eliminations included.
When to choose Light
- 01
The ledger is included
Light is the system of record: spend, AP, AR and the general ledger in one platform, with no ERP decision left open.
- 02
One ledger for every entity
Add a company, a country or a currency without adding another system.
- 03
The close happens in one place
The card transaction, the receipt and the ledger entry are one record, so there is nothing to match across systems.
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Read customer stories-
“We evaluated several vendors. Light won because it covers our full finance stack, revenue, AR, AP, expenses, and consolidation, without stitching together a patchwork of point solutions.”
Tanja, Director of FinanceOmnea -
“Even though we’re three entities, it’s like I’m running a finance department for one entity.”
Thobias, Finance ManagerAlva Labs -
“I really like that Light’s AI already gives me suggestions, GL accounts, cost centers, tax codes. I don’t have to start from scratch.”
Cédric, Finance ManagerOper Credits -
“Nine times out of ten the AI matches everything and posts it to the right account. One click and you’re done.”
Jeppe, CFOKeyShot
Built for the daily work
Bills through to payment
Capture invoices, route approvals and pay vendors from the same system.
Room to grow
One ledger built to handle billions of transactions across your business.
Trace every number
Open a report and drill straight into the transactions behind it.
Spending, under control
Expenses, vendors and cards connected to your ledger.
Expenses
Collect receipts, approve expenses and track spend as it happens.
Vendors
Keep supplier details, bills and approvals together. Apply your purchasing rules as work moves through.
Cards
Issue cards for employees and vendors. Pay with Apple Pay or Google Pay. Send receipts through Slack, Teams or email.
Frequently asked questions
Is Wirex a general ledger?
Wirex Business is a business account and card platform for fiat and stablecoin balances, with reconciliation, reports and statement exports. Light is the general ledger itself, with cards, bills and payments posting straight to it.
Does Wirex consolidate entities?
Each business holds one Wirex account with a unified balance across currencies, cards and wallets. Light consolidates every entity on one ledger as transactions post, with intercompany eliminations included.
When does Wirex fit?
When stablecoins are part of how your company holds and moves money, and you want USD, EUR and GBP accounts, stablecoin settlement and prepaid corporate cards in one place.
Does Light issue cards?
Yes. Light issues corporate and virtual cards with Apple Pay and Google Pay, and the spend posts to the same ledger as the bills and the accounts.
See Light at work
