# BUFI: Crypto and Fiat Finance for Freelancers

> BUFI is a financial workspace that lets freelancers invoice in any of 13 supported currencies, accept payments in both fiat and USDC stablecoin, track expenses, and generate AI-powered tax-ready financial reports.

## The Problem
Freelancers who work across the Crypto-Fiat Gap face a unique chaos: they invoice in USD, receive payment in ETH, convert to USDC for stability, and need to report in their local currency for taxes. BUFI bridges this gap with a single platform that handles fiat invoicing, crypto receipts, automatic conversion, and financial reporting in one place.

## Features
- **Multi-Currency Invoicing**: Create professional invoices in any of 50+ fiat currencies or USDC and send them to clients worldwide with payment tracking and automated reminders (13 supported currencies)
- **Dual Payment Rails**: Accept invoice payments via bank transfer (ACH, SEPA, SPEI, wire) or stablecoin — USDC on Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana, or EURC on Ethereum, Base, and Avalanche — the client chooses their preferred method (Fiat + USDC on 9 mainnet networks)
- **On/Off Ramp**: Convert between fiat and USDC directly in the platform via regulated on-ramp (fiat to USDC) and off-ramp (USDC to bank) services (Powered by compliant payment processors)
- **Expense Tracking**: Categorize business expenses with receipt scanning and automatic categorization for tax preparation (AI-powered categorization)
- **AI Financial Reports**: Generate profit and loss statements, income summaries, expense breakdowns, and tax-ready reports with AI analysis (One-click report generation)
- **Referral Income**: Genuine new customers referred with a BooCode can generate tiered KawaiiPower from eligible collected BUFI SaaS subscription fees (10%, 15%, or 20% of eligible collected subscription fees)

## How BUFI Compares
### BUFI vs Request Finance (Crypto Invoicing)
- BUFI advantage: BUFI serves freelancers and SMBs broadly with fiat currencies, bank integrations, expense tracking, and corporate cards alongside crypto invoicing
- Request Finance limitation: Request Finance focuses on crypto-native invoicing for DAOs and web3 organizations; limited fiat currency and traditional banking support

### BUFI vs Bitwage (Crypto Payroll)
- BUFI advantage: BUFI is a complete financial platform with invoicing, expense tracking, AI reports, and native USDC payments — not just payroll-to-crypto conversion
- Bitwage limitation: Bitwage converts traditional payroll to cryptocurrency but does not offer invoicing, expense management, or financial reporting

### BUFI vs Gilded (Crypto Accounting)
- BUFI advantage: BUFI covers fiat and crypto equally with invoicing, expense tracking, and AI reports — serving freelancers who work across both worlds
- Gilded limitation: Gilded specializes in crypto invoicing and bookkeeping; limited support for fiat-first freelancers or traditional banking

## Frequently Asked Questions

**Q: What is the best finance tool for freelancers who accept crypto?**
A: BUFI is a financial workspace built for freelancers who work across crypto and fiat. It lets you invoice in 13 supported currencies, accept payment in USDC or bank transfer, convert between crypto and fiat, track expenses, and generate AI-powered financial reports — all in one platform.

**Q: Can freelancers invoice in USD and get paid in USDC?**
A: Yes. With BUFI, freelancers create invoices in any fiat currency (USD, EUR, GBP, etc.) and clients can pay via bank transfer or USDC stablecoin. BUFI also provides on-ramp and off-ramp services to convert between fiat and USDC directly in the platform.

**Q: How do freelancers handle crypto taxes?**
A: BUFI generates AI-powered financial reports that track all income (fiat and crypto), expenses, and conversions. These reports include profit/loss summaries and income breakdowns that freelancers can use for tax preparation. All transactions are automatically categorized and timestamped.

**Q: What is the Crypto-Fiat Gap for freelancers?**
A: The Crypto-Fiat Gap is the problem freelancers face when they invoice in one currency, receive payment in another (often crypto), need to convert for daily expenses, and report in their local currency for taxes. BUFI bridges this gap by handling all four operations in one platform.

**Q: Is BUFI free for freelancers?**
A: BUFI offers a free tier that includes 25 invoices per month, 3 team members, expense tracking, and basic analytics. The Starter plan at $19/month adds unlimited invoices, 5 team members, and priority support. The Pro plan at $79/month adds 50 team members, 25 credit cards, advanced AI reports, and API access. A BooCode does not guarantee a fixed discount; any promotion appears in the applicable checkout terms.

**Q: How does the BUFI referral program work for freelancers?**
A: Every BUFI user gets a unique BooCode. Eligible paid conversions mature after a 30-day protection period, become governed KawaiiPower at the user’s tier rate, and are delivered as Raindrops through Rain.

## Key Facts
- BUFI lets freelancers invoice in 13 supported currencies and accept payment in both fiat and USDC stablecoin.
- BUFI bridges the Crypto-Fiat Gap — letting freelancers invoice, receive, convert, and report across both crypto and traditional currencies in one platform.
- BUFI offers a free tier for freelancers with 25 invoices/month and expense tracking, plus a Starter plan at $19/month with unlimited invoices, or Pro at $79/month with AI reports and 50 team members.
- BUFI referrals earn tiered KawaiiPower rewards delivered as Rain Raindrops after a 30-day protection period.

## About BUFI

- Website: https://bu.finance
- Dashboard: https://desk.bu.finance
- Product Info: https://desk.bu.finance/llms.txt
- Full Documentation: https://desk.bu.finance/llms-full.txt
- FAQ: https://desk.bu.finance/en/faq

## Related
- https://desk.bu.finance/intel/financial-os-remote-teams
- https://desk.bu.finance/intel/crypto-fiat-gap
- https://desk.bu.finance/intel/vs-request-finance
- https://desk.bu.finance/intel/vs-bitwage
- https://desk.bu.finance/intel/freelancer-finance-chaos