Ruul

Ruul is a platform designed for freelancers and independent contractors to simplify international invoicing and payment collection. It acts as a Merchant of Record, handling billing, global sales tax compliance, and offering various payment methods. Users can send invoices, receive payments in multiple currencies, and get payouts to their preferred accounts.

Ruul offers invoicing and payment collection services for freelancers, enabling them to get paid internationally. While it facilitates international payments and mentions handling multiple currencies, it does not explicitly state using the 'mid-market exchange rate' or offering a 'multi-currency account' in the same way Wise does. It also doesn't provide a 'borderless debit card'. However, it does emphasize transparent fees, fast payouts, invoice creation, and regulatory compliance, which align with some of the 'other' features. The core offering is more about simplifying the invoicing and payment collection process for freelancers, acting as a Merchant of Record, rather than a direct multi-currency banking platform for individuals or businesses.