10 Best Wyre Alternatives In Europe For Crypto & Payments

This article will look at the Best Wyre Alternatives in Europe that offer platforms focusing on secure crypto payments, crypto accounting, and crypto portfolio management.

These include the business-oriented tools FreshBooks and Akaunting, as well as crypto-centric solutions like Bitwave, CoinTracker, and Zengo Wallet.

We will help European users and businesses find the right alternative that prioritizes compliance and streamlined functionality, as well as ease of use.

Key Points & Best Wyre Alternatives In Europe

Wyre Alternative	Key Point
FreshBooks	Popular accounting software with invoicing, expense tracking, and crypto integration
Akaunting	Free cloud accounting platform, supports multi-currency and crypto transactions
Bitwave	Enterprise crypto tax & accounting platform, integrates with ERP systems
Binocs	Portfolio tracking & tax compliance for crypto investors
NODE40	Blockchain governance & tax reporting tool for institutional users
CoinTracker	Crypto portfolio manager with tax filing support across multiple jurisdictions
CoinLedger	User-friendly crypto tax software for individuals and accountants
ZenLedger	Comprehensive crypto tax platform with DeFi and NFT support
Sila	Banking-as-a-Service payment API enabling scalable fintech solutions
Zengo Wallet	Secure crypto wallet with advanced custody and user-friendly interface

10 Best Wyre Alternatives In Europe

1. FreshBooks

Without a doubt, one of the greatest alternatives is also one of the best in Europe. This is StreamBooks because of the way it integrates accounting, invoicing, and payment processing.

Unlike Wyre, whose crypto transactions have a monopoly, StreamBooks provides a solution for businesses that want a robust, easily operated, and ideal way to manage their finances, track expenses, etc, and automate invoicing.

Real-time reports, a streamlined virtual dashboard, and support for multiple currencies make them the ideal for businesses in Europe with customers around the world.

Their strong emphasis on transparency and compliance with regulatory requirements of the European

Union for safe and efficient transactions makes StreamBooks one of the best. Their expertise in transactional versatility and a simple solution make them a strong leading regulatory hopeful.

Feature	Description
Invoicing	Create professional invoices quickly and send to clients.
Expense Tracking	Track business expenses in real time.
Time Tracking	Log billable hours with built‑in timer tools.
Payment Integration	Accept online payments directly through invoices.
Financial Reporting	Generate profit & loss and other financial reports.
Multi‑Device Access	Mobile and web apps for managing finances anywhere.

2. Akaunting

Akaunting’s advantages over Wyre also help it stand out as the top option in Europe. Akaunting is the only 100% online, no-integrations-required, open-source accounting software that lets enterprises control their accounting without having to engage with other, often complex third systems.

Unlike Wyre, crypto-focused, Akaunting includes invoicing, expense management, euro, and cross-currency accounts management and features needed by most companies in Europe.

With the open-source software, users gain complete autonomy over the management of their finances.

Furthermore, cross-border transactions are made efficient through Akaunting’s ability to integrate with multiple payment gateways. These strengths make Akaunting an excellent Wyre alternative.

Feature	Description
Open‑Source Accounting	Free and fully customizable accounting software.
Multi‑Currency Support	Works with many currencies for global use.
Client & Vendor Management	Store and organize business contacts.
Automated Invoicing	Send recurring invoices automatically.
Expense Categorization	Classify and analyze all business spend.
Dashboard Analytics	Visual summary of financial health.

3. Bitwave

All in all, Bitwave grew to be the strongest Wyre alternatives in all of Europe because of what it offers. Bitwave goes beyond primitive crypto on-ramps by providing businesses with a full suite of crypto accounting, crypto payments, crypto compliance, and a full enterprise solution.

Rather than processing payments, as Wyre does, Bitwave automates the payment processing and accounting workflows, manages the payments in stablecoins, on-chain payments, and the B2B payments.

Furthermore, the company has created advanced integrations with the major ERP systems for on-the-fly GAAP/IFRS reporting.

It’s highly adjustable financial workflow and compliance controls make it the best fit for Europe on a cross organizational and operational level

Servicing businesses with comprehensive digital-asset operations. Bitwave is in a league of its own with this unique blend of payment processing and financial control automation.

Feature	Description
Crypto Accounting	Tracks cost basis and assets in real time.
Tax Reporting	Generates detailed tax‑ready reports.
ERP Integrations	Connects with enterprise financial systems.
On‑Chain Data	Pulls actual blockchain data for accuracy.
Compliance	Supports GAAP & IFRS‑ready workflows.
Business‑Focused	Designed for institutional and corporate users.

4. Binocs

In Europe, Binocs is a more solid alternative than Wyre since it focuses not only on payments, but also on streamlining crypto compliance, tax reporting, and portfolio tracking for businesses and individual investors.

It aggregates data from a wide range of exchanges, DeFi platforms, and wallets for a comprehensive overview of trades, gains, and tax liabilities.

Many companies in Europe are facing challenges with this as regulations are still in flux. Its automated reconciliation and powerful analytics are helping users stay compliant and minimize accounting work.

For crypto users in Europe wanting more than just transactional simplicity, Binocs is incredibly and uniquely positioned to provide this along with accuracy, transparency, and regulatory compliance.

Feature	Description
Crypto Tax Calculations	Auto‑calculates gains/losses for tax filing.
Portfolio Aggregation	Tracks assets across wallets and exchanges.
Transaction Reconciliation	Matches and organizes trades automatically.
Reporting Tools	Generates detailed tax and performance reports.
Compliance Assistance	Helps meet regulatory reporting requirements.
Real‑Time Sync	Continuous balance and activity updates.

5. NODE40

Automated cryptocurrency accounting and compliance services for users and enterprises make NODE40 one of the best alternatives to Wyre in Europe.

Giving users the ability to track their crypto payments and on-chain transactions isn’t something Wyre can do, however, with NODE40 customers receive real-time updates to their ledgers and receive fully auditable, ready reports.

More complex aspects of crypto bookkeeping, like tax compliance with varying European regulations, simplified through bookkeeping streams.

Reconciliation across several wallets and transactions is automated. European customers especially appreciate the reliability of automated compliance systems.

Feature	Description
On‑Chain Accounting	Analyzes blockchain transactions for ledgers.
Automated Bookkeeping	Reduces manual entry with smart data linking.
Compliance Reporting	Generates reports for audits and regulators.
Multi‑Asset Support	Works with many digital asset types.
Integration Tools	Syncs with accounting infrastructure.
Enterprise Focus	Designed for businesses managing crypto assets.

6. CoinTracker

In Europe, CoinTracker’s primary competitor is Wyre but CoinTracker is not a payment processor like Wyre. Payment automatization is not CoinTracker’s focus: its primary focus is portfolio tracking and tax report generation.

CoinTracker syncs real-time with dozens of wallets and exchanges, auto-imports transactions and presents users’ holdings, cost basis, gains and losses. It is a useful tool for mangeing tax reporting obligations while tracking multiple assets.

This is especially the case for users where tax reporting obligations differ for each asset. This reporting focus makes it a much more tax compliant solution crystallizing the Wyre payment focus as a positive but lesser exclusive offering.

Feature	Description
Portfolio Tracking	Unified view of all holdings across platforms.
Tax Calculations	Computes gains, losses, and tax obligations.
Multi‑Exchange Sync	Auto‑imports from many wallets & exchanges.
Real‑Time Valuation	Shows live asset value changes.
Tax Loss Harvesting	Helps optimize tax outcomes.
User Dashboard	Clean, easy‑to‑navigate interface.

7. CoinLedger

CoinLedger will be Wyre’s best competitor for users based in Europe because of automated crypto portfolio and tax report generation which will show users needed financial information beyond basic payments.

The platform has automated transaction importing from many exchanges and wallets, and it performs automatic calculations of gains and losses.

CoinLedger automates tax report generation based on the users home country and tax obligations and requirements, saving the users time and reducing tax report errors.

CoinLedger’s multi-source data reconciliation and support for NFTs and DeFi activity streamlines it for EU users with complex crypto tax obligations and regulations.

Feature	Description
Multi‑Source Sync	Integrates with hundreds of exchanges/wallets.
Cost Basis Calculation	Determines accurate taxable basis.
Tax Form Generation	Produces ready‑to‑file tax documents.
Portfolio Overview	Visual summary of holdings and performance.
DeFi & NFT Support	Includes newer asset types in reports.
Export Tools	Download data into common formats.

8. ZenLedger

ZenLedger has positioned itself as one of the best alternatives to Wyre in Europe. ZenLedger is not limited to crypto payments but also includes extensive tax automation and portfolio management which many European crypto users need for compliance and reporting.

ZenLedger automatically consolidates transactions from hundreds of wallets and exchanges and generates tax reports that detail gains and losses and help users meet complex tax requirements.

With features like tax-loss harvesting and popular tax integration systems, it allows users to optimize their tax liabilities and reduce the effort required to file a tax return.

With great financial compliance, ZenLedger has become one of the most important players for European users and businesses.

Feature	Description
Automated Tax Reports	Generates detailed tax summaries.
Multi‑Exchange Support	Imports transactions from many platforms.
Gain/Loss Tracking	Calculates trading outcomes accurately.
Blockchain Coverage	Covers numerous blockchains and asset types.
Audit Support	Tools for supporting audits and reviews.
Tax Form Tools	Supports tax form exporting.

9. Sila

In all of Europe, Sila’s complete payment infrastructure APIs that allow businesses to create tailored integrated finance and money movement solutions for crypto and beyond make it stand out in comparison to Wyre.

Its all-in-one API provides ACH, digital wallets, real-time settlement, identity, and fraud management, and therefore eliminates the hassle of onboarding and maintaining numerous vendors or banking relationships.

Consequently, it is one of the most preferred solutions in Europe for fintechs and applications that require compliant, customizable, and extensible payment systems with developer friendly integrations and fast time-to-market.

Exceptional support for cross-border payments and a focus on compliance are the features that stand out the most.

Feature	Description
Developer API	Build custom payment and wallet solutions.
ACH & Bank Transfers	Supports bank‑to‑bank payments.
Identity Verification	Built‑in KYC tools.
Instant Settlement	Faster transaction settlement options.
Wallet Management	Secure digital wallet infrastructure.
Compliance Tools	Anti‑fraud and regulatory compliance features.

10. Zengo Wallet

Some European investors prefer both robust security and ease-of-use features and, therefore, will find Zengo Wallet very appealing.

Zengo Wallet’s Blockchain payment platform utilizes an advanced form of security in which there is no central seed phrase

Which combined with Zengo’s 3-factor authentication and recovery system ensures that hackers have an extremely low probability of gaining access to users’ wallets.

Zengo Wallet includes an in-house broker, which allows users to buy, sell, and swap a variety of cryptocurrencies and altcoins from within the Zengo Wallet system, enhancing the convenience of a fully operational crypto bank and brokerage service.

Feature	Description
Keyless Security	Uses MPC instead of seed phrases.
Multi‑Asset Wallet	Stores many popular crypto tokens.
Biometric Protection	Face/Touch unlock for added security.
Easy Recovery	Simplified recovery process without seeds.
In‑App Buying & Swaps	Built‑in buy, sell, and exchange features.
Intuitive UI	User‑friendly design for beginners.

Conclusion

To summarize, Europe has strong and versatile Wyre alternatives in Europe. There is FreshBooks and Akaunting for business accounting.

There are also crypto tax and portfolio management platforms such as Bitwave, CoinTracker, CoinLedger, ZenLedger, Binocs and NODE40.

Zengo Wallet and Sila are good for fintech and payments. These platforms offer balance between compliance, efficiency and streamlined features.

FAQ