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Crypto processing

Acceptstablecoins.

Swaps Crypto Processing: businesses accept stablecoins, settled in full to their Swaps Wallet.

Create a crypto invoice See how it works
Example

Order 1042

1,000.00 USD

Your customer pays 1%
10.00 USD
Customer sends
1,010.00 USD
You receive
1,000.00 USD

Paid on

  • Tempo
  • Another network
Inside a paymentExample

One payment.
Four moments.

One crypto invoice, from draft to settled. The amount never changes.

  1. 01 / 04 · Create

    Create theinvoice.

    Set the amount in USD. It settles to your own Swaps Wallet.

    Draft

    New crypto invoice

    AmountPaid in stablecoins

    1,000.00 USD

    ItemOrder 1042
    PayerAnyone with the link
    Settles toYour Swaps Wallet · Tempo
    Swaps fee (1%)
    10.00 USD · paid by your customer
    You receive
    1,000.00 USD

  2. 02 / 04 · Your customer pays

    Your customerpays.

    They pick a network and send one transfer. No Swaps account.

    swaps.app/pay/order-1042

    Arden Supply requests

    1,000.00 USD

    Order 1042

    • Tempo, selectedDirect · USDC.e, pathUSD, USDT0, USD1, cUSD
    • Another network via RelayUSDC on Base, Ethereum, Polygon, Arbitrum, Optimism
    Swaps fee (1%)
    10.00 USD
    You pay
    1,010.00 USD

  3. 03 / 04 · Paid on-chain

    One transferlands.

    Nothing is released until the transfer is confirmed.

    Payment from Arden Supply

    1,000.00 USD

    1. Awaiting, done
    2. Detected, done
    3. Processing, current
    4. Paid, next
    5. Settled, next
    Payer network
    Tempo
    Deposit address
    0x7a3c…e91f

  4. 04 / 04 · Settled

    Settled toyour wallet.

    You receive the full amount. A payment can also be underpaid, overpaid or expire.

    Settled to your Swaps Wallet

    1,000.00 USD

    1. Awaiting, done
    2. Detected, done
    3. Processing, done
    4. Paid, done
    5. Settled, current
    Swaps fee (1%)
    10.00 USD · paid by your customer
    Settlement transaction
    0x4be1…07ac
Draft
  • 01

    No bank account needed.

  • 02

    Your customer pays the 1%.

  • 03

    Settles to your own wallet.

Networks

How your customer pays.

One transfer, on Tempo or from another network. Your customer sees the total before they send.

Accepted stablecoins and networks for crypto processing
Pay withStablecoins and networks
Direct on Tempo
TempoAny accepted stablecoin
  • USDC.e
  • pathUSD
  • USDT0
  • USD1
  • cUSD
From another network · via Relay
USDCMoved to Tempo
  • Base
  • Ethereum
  • Polygon
  • Arbitrum
  • Optimism

You receiveThe full invoice amount, in your own Swaps Wallet on Tempo. The same from every network.

AvailabilityAny time, with a Swaps Wallet. Crypto invoices are in USD and start at 5.00 USD. Solana is not available yet.

Developers

Invoices from your own code.

  • Draft: POST /v1/payment_links
  • Go live: /activate, by you, never an agent
  • Agents: create_payment_request (MCP)
Read the API docs
Show the API call
RequestExample
curl https://api.swaps.app/v1/payment_links \
  -H "x-api-key: sk_live_…" \
  -H "Idempotency-Key: order-1042-a7f3c" \
  -H "Content-Type: application/json" \
  -d '{"title": "Order 1042",
       "amount": {"amount": "100000",
         "currency": "USD", "decimals": 2},
       "accepted_rail_kinds": ["crypto"]}'

Response201 · payment_link · "status": "draft"

Pricing

1% on top.
You receive 100%.

See all pricing
Swaps fee
1%
Paid by
Your customer, on top
From another network
Your customer also pays Relay’s cost

On a 1,000.00 USD invoice your customer sends 1,010.00 USD and you receive 1,000.00 USD.

Crypto processing, in facts.

As of

Every fact, with its source
Fee
1%, added on top and paid by your customer. You receive the full amount.
Can also apply
Network cost of your customer’s transfer.
Your customer pays with
USDC.e, pathUSD, USDT0, USD1, cUSD on Tempo. USDC from Base, Ethereum, Polygon, Arbitrum, Optimism, via Relay.
Who can move it
A one-purpose payment contract can pay only two places: you and the Swaps fee. Nobody can redirect it, Swaps included.
Status
Available with a Swaps Wallet.

Trust

Non-custodial by design.

Each payment gets its own deposit address. The amount is released on-chain to your own Swaps Wallet.

Swaps provides the interface and transaction coordination.

Payments move on-chain. Transfers from another network are carried by Relay.

FAQ

Questions.

Do I need a bank account?

No. You receive stablecoins into your own Swaps Wallet. Bank services and other provider routes have their own verification requirements.

Does Swaps take custody of the money?

Your customer sends one transfer to a deposit address made for this payment only. The amount is released on-chain to your own Swaps Wallet. Swaps does not hold your wallet key. An overpayment can reach the Swaps fee wallet, and Swaps accepts requests to return the verified excess.

What can my customer pay with?

On Tempo: USDC.e, pathUSD, USDT0, USD1 or cUSD. From Base, Ethereum, Polygon, Arbitrum or Optimism: USDC, moved to Tempo by Relay. Solana is not available yet.

What does it cost?

Your customer pays a 1% Swaps fee on top of the amount, and you receive the full amount. Paying from another network adds Relay’s cost to what your customer sends.

What if the wrong amount arrives?

If less arrives, the payment shows Underpaid and your customer sends the rest to the same address. If more arrives, it shows Overpaid, and support reviews the extra for a possible return after checking its source and a safe destination; network fees may apply.

Is there an API?

Yes. Create crypto invoices with POST /v1/payment_links and follow them with /v1/payments. Agents can draft invoices through MCP. Going live is always your own step.

Create your
first invoice.

No bank account needed. Your customer pays the 1%. You receive the full amount.

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