Pay Supported Bank Invoices With Crypto: USDC In, Fiat Out

You hold stablecoins, but the invoice on your desk needs a bank transfer. Until now that meant cashing out to your own bank first, then paying the bill yourself. Swaps removes that step where the rail is supported. With Pay an invoice you settle a supported bank invoice with crypto, and the recipient receives normal fiat in their account.

How it works

Enter the invoice amount, the currency, and the recipient's bank details.

Swaps shows a deposit address and the exact crypto amount: the invoice plus a flat 1% fee.

Send USDC from any supported wallet.

Bridge/provider-side rails convert it and pay the recipient's bank where the rail is enabled. You track the payment from funds received to settled.

The recipient never needs a Swaps account and never touches crypto. They just receive a normal bank transfer.

What you can pay today

US dollar invoices to a US bank, by [ACH or wire](/pay-us-invoice-with-crypto). ACH starts at $50; a wire starts at $1,000.
Euro invoices across the SEPA area, by [SEPA transfer](/pay-sepa-invoice-with-crypto), where enabled in-product.

More currencies, including GBP, BRL, MXN, and COP, are on the way.

Fair and transparent

A flat 1% fee, added on top. The recipient always gets the exact amount you owe.
Non-custodial for Swaps: Swaps never holds your funds. Provider-side rails move them where enabled.
Pay from USDC on Base, Ethereum, Polygon, Arbitrum, or Optimism.

Who it is for

Small businesses and agencies paying suppliers from a crypto treasury, and freelancers or expats who hold crypto but need to settle invoices in USD or EUR.

Ready to try it? See [Pay an invoice](/pay-invoice-with-crypto), or read the [help guides](/help/what-is-paying-an-invoice-with-crypto) on countries, rails, fees, and limits. It is the outbound mirror of [Payment Links](/payment-links): instead of collecting money, you send it.