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Last checked 6 Nov 2026Vezmo vs Grey.co: an alternative for businesses and sole traders
Grey is a strong app for individuals paid from abroad: USD, GBP and EUR accounts, USDC and USDT, and payouts in many local currencies. Its US account is issued only to full-time employees and freelancers in the countries on its list, which leaves out Kenya; companies use Grey Business. Vezmo puts businesses and people working for themselves in one account, with invoicing and card payments live and account details in early access.
- You run a business, or work for yourself as a sole trader
- You want ACH payments to arrive with no per-payment fee (early access)
- You want clients to pay your invoices by card or ACH
- You need AED or SGD account details as well as USD
Choose Grey if- You're an employee or freelancer in a country on Grey's US-account list
- You want to receive and hold USDC or USDT today
- You pay out in local currencies such as Mexican or Philippine pesos
- You need a product that is generally available today
At a glance
Vezmo and Grey, side by side.
Grey’s details are from its own website, checked 6 Nov 2026; each one links to its source. Things change, so check Grey’s site before you decide.
| Feature | Vezmo | Grey |
|---|---|---|
| Who can open | VezmoBusinesses, including freelancers and sole traders; eligibility confirmed at sign-up | GreyIndividuals in the 73 countries on its sign-up list; registered companies through Grey BusinessSource |
| US account details | VezmoUSD details for ACH and wire, in early access | GreyIssued only to full-time employees and freelancers, in 72 listed countries; Kenya isn't on the listSource |
| Receiving by ACH | VezmoFree on every plan (early access) | Grey0.8% per payment, minimum $2, maximum $10Source |
| Receiving a domestic wire | Vezmo$15 on Free, $10 on Grow, $5 on Pro (early access) | GreyFlat $20 per FedwireSource |
| Receiving as a company | VezmoThe same account and fees for companies and sole traders | GreyGrey Business: flat $2 per ACH or FedNow payment, $15 per FedwireSource |
| Currencies you receive | VezmoUSD, plus AED, EUR, GBP and SGD accounts (early access) | GreyUSD, GBP, EUR, NGN, GHS and KES, plus USDC and USDTSource |
| Stablecoin | VezmoReceiving USDC on Base and Solana free, kept in your own wallet (early access) | GreyReceives USDC and USDT; converting stablecoin to USD is freeSource |
| Invoices and card payments | VezmoInvoices, payment links, subscriptions and checkout, built in (live); card payments from 2.79% + $0.29 | GreyInvoices you send from the appSource |
| Cards | VezmoUnited States first (early access) | GreyVirtual Visa card, $5 once to createSource |
| Monthly price | VezmoFree $0; Grow $29 and Pro $99 a month. On Free, $15 a quarter only when the account is quiet | GreyNo account or card maintenance feesSource |
| How your money is held | VezmoHeld by regulated partners & Bank; Vezmo itself is not a bank. Details | GreySee Grey’s own disclosures on its website. |
In practice
What arrives from one payment.
Receiving fees only, from the rows above: Grey's from its help center, Vezmo's from its pricing page. Converting into your own currency costs extra at both.
Example amounts. Grow costs $29 a month and Pro $99 a month; Free has no monthly price.Every Vezmo fee
- Vezmo, every planFree (early access)$1,000.00no fee
- Vezmo Free$15 (early access)$4,985.00fee $15.00
- Vezmo Pro$5 (early access)$4,995.00fee $5.00
Where Grey is better
What Grey does well.
- 72Countries for its US accountGrey issues US accounts to full-time employees and freelancers in 72 listed countries, including Mexico, the Philippines and Vietnam.
- 0%Stablecoin to USDGrey receives and holds USDC and USDT, and converting stablecoin to USD costs nothing.
- Generally availableGrey's accounts are open today in its listed countries; Vezmo's accounts are in early access.
Who Vezmo is for
Where Vezmo fits.
- $0No fee per ACH paymentReceiving by ACH is free on every plan (early access), where Grey charges 0.8% (min $2, max $10), or $2 on Grey Business.
- 1 accountBusinesses and sole tradersThe same account whether you trade as a company or work for yourself; which details you get is confirmed at sign-up.
- 2.79%Get paid by card tooInvoices and payment links clients pay by card, ACH, Apple Pay or Google Pay are live today, from 2.79% + $0.29 per card payment.
Switching
Moving to Vezmo, or using both.
- 1Join early accessApply for an account; invoices and payment links work once your account is approved.
- 2Invoice from VezmoSend your next invoice from Vezmo so clients can pay by card, ACH or wallet.
- 3Keep Grey where it worksIf Grey serves you for stablecoin or local payouts, you can use both.
More options
Other ways to get paid in USD.
- Best for: Converting at a low cost
Converting from 0.23%. USD details only at addresses where Wise lets you hold money: the Philippines yes; Mexico, Kenya and Vietnam no.
- Best for: Marketplace income
Free into a local-currency receiving account, 1% (min $1) into one in another currency; $29.95 a year if you receive under $6,000.
- Best for: Companies that want a USDC balance
Global USD for businesses incorporated outside the US; Slash's help center says the balance is denominated in USDC.
Can I get a Grey US account in Kenya?
Not as of 6 Nov 2026. Grey accepts sign-ups from Kenya, but Kenya isn't on the list of countries where it issues US accounts. Check Grey's help center for the current list.
Freelancers in KenyaWho can get a Grey US account?
Grey says its US accounts are currently issued only to full-time employees and freelancers, in the 72 countries on its list. Registered companies can apply for Grey Business, which needs business verification.
What does Grey charge to receive USD?
Grey's help center lists 0.8% per ACH or FedNow payment (minimum $2, maximum $10) and a flat $20 per Fedwire on personal accounts. Grey Business lists $2 per ACH or FedNow payment and $15 per Fedwire.
Can a sole trader use Vezmo?
Yes, for the money you earn from your work. Vezmo serves businesses, including freelancers and sole traders; which account details you get is confirmed at sign-up.
Is Vezmo a bank?
No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
Sources, checked 6 Nov 2026
- Grey help: Why can't I request a US account?
- Grey help: Deposit fees (USD)
- Grey help: Conversion fees
- Grey help: What currencies are supported on Grey?
- Grey help: Why can't I create a Grey account?
- Grey Business: Pricing and fees
- Grey Business: What is Grey Business and who is it for?
- Grey help: FAQs on Visa cards
- Grey: Home page
- Wise: Where do I need to live to hold money with Wise?
- Payoneer: Pricing (page dated 1 Jan 2026)
- Slash help: What's the Slash Global USD Account?
- Wise: Can I get USD account details?
Grey’s name and logo are trademarks of its owner. This page compares public information and isn’t endorsed by Grey. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.