1TCH
A single app for freelancers and remote teams that combines getting paid internationally, invoicing clients, and tracking projects, instead of juggling five separate tools.
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Description
A freelancer working with clients in three countries typically ends up with a patchwork: Wise for currency conversion, a separate invoicing tool, a project tracker, and a spreadsheet to keep it all straight. 1TCH tries to fold that patchwork into one account.
1TCH is a financial operating system for freelancers, remote teams, and international businesses: multi-currency wallets (USD, EUR, GBP, CHF, JPY, plus USDC), payment rails covering Wire, ACH, SEPA, UK Faster Payments, and on-chain USDC transfers, combined with invoicing, payment links, contract management, time tracking, client/project tracking, and escrow-protected payments. Account creation and KYC verification take under a minute via a third-party identity provider. It operates in 150+ countries, with transfers claimed to settle in under 60 seconds and on-chain USDC transfers costing around $0.01. Compliance is handled through SOC-2 and AML/CTF frameworks via its payments infrastructure partner.
💬 Our review
The short version: 1TCH is a reasonable bet for a freelancer or small remote team tired of stitching together a payments tool, an invoicing tool, and a project tracker separately — the pitch of "one account for money and work" is genuinely convenient if it actually holds up in daily use.
The honest caveat is that it's a newer, less-established platform than Wise or Payoneer, which have years of track record moving money reliably across borders; 1TCH's SOC-2/AML compliance claims and sub-$0.01 USDC transfers sound good on paper, but you're trusting a younger company with cross-border money movement, which is not somewhere to be an early adopter without checking user reviews on actual withdrawal reliability first. Compared to Wise (excellent at currency conversion but no project/invoicing layer) or Deel (stronger for compliant international payroll but built for hiring, not freelance project work), 1TCH's differentiator is bundling payments with lightweight project and client management — worth it if you value that consolidation over the deeper track record of single-purpose incumbents.
💰 Pricing
📊 Global score
🤖 AI-enriched data
Création de compte et KYC gratuits (moins d'1 minute) ; frais réseau variables selon le rail de paiement ; transferts USDC on-chain autour de 0,01$ ; zéro frais caché revendiqué.
Pros
Combine portefeuille multi-devises, facturation ET suivi de projet en un seul compte
KYC en moins d'une minute
Transferts on-chain USDC très peu coûteux (~0,01$)
Escrow intégré pour sécuriser les paiements de projet
Cons
Plateforme plus jeune et moins éprouvée que Wise ou Payoneer sur la fiabilité des retraits
Moins spécialisé que Wise pour la seule conversion de devises
Moins adapté que Deel pour la paie internationale conforme à grande échelle
Peu d'avis utilisateurs indépendants disponibles à ce stade