Facts
Swaps,in facts.
Swaps is software for getting paid and paying people in US dollars and stablecoins: payment links, invoices, crypto processing, payroll and a non-custodial dollar wallet. Bank services are provided through Bridge and its banking partners.
Company
Who runs Swaps.
The operator, where it is registered and how to reach it.
| Fact | Value | Source · as of |
|---|---|---|
| What Swaps is | Swaps is software for getting paid and paying people in US dollars and stablecoins: payment links, invoices, crypto processing, payroll and a non-custodial dollar wallet. Bank services are provided through Bridge and its banking partners. | Organization entity · 1 Oct 2026 |
| Operator | Supa Labs OÜ, a private limited company (osaühing) in Estonia | Legal notice · 27 Jun 2026 |
| Registry code | 17399414, Estonian Business Register | Source: same as above, Legal notice · 27 Jun 2026 |
| Registered office | Oru tn 2, Tallinn 10127, Estonia | Source: same as above, Legal notice · 27 Jun 2026 |
| Company founded | 2024. The Swaps brand dates from 2019. | Source: same as above, Legal notice · 27 Jun 2026 |
| Founder | Georgios Kalmpazidis | Organization entity · 2 Jul 2026 |
| Role in a payment | Software and transaction coordination. Provider routes are subject to the named provider’s terms; direct crypto routes use the disclosed payment contract. | Terms of Service · 10 Jul 2026 |
| Contact | Support: swaps.app/support. Legal: legal@swaps.app. Security: security@swaps.app. | Legal notice · 27 Jun 2026 |
Products
What Swaps does.
Five tools, plus routes to buy, sell and swap crypto.
| Product | What it does | Status | Source · as of |
|---|---|---|---|
| Payment links | Send a link. Your client pays by bank transfer or USDC. You get paid where you chose. | Draft for free. Money moves after activation. | Pricing source · 30 Aug 2026 |
| Invoices | Bill a client with an invoice number and line items. It is paid like a payment link. | Same as payment links. | Payment links canon · 1 Oct 2026 |
| Pay an invoice | Pay a supplier’s bank invoice with USDC. Bridge pays the supplier by bank transfer. | USD and EUR where enabled. | Pricing source · 30 Aug 2026 |
| Crypto processing | Accept stablecoins. Your customer pays the amount plus 1%. It settles to your own Swaps wallet. | Available with a Swaps Wallet. | Founder rulings · 7 Oct 2026 |
| Payroll | Fund one run. Bridge pays each person to their bank account. | Verified workspaces, where enabled. | Pricing source · 30 Aug 2026 |
| Wallet | One US dollar balance on Tempo. A passkey on your device approves every move. | Live beta. | Wallet terms · 27 Jun 2026 |
| Buy, sell, swap | Compare provider routes by what you receive, then continue with the provider. | Availability per quote. | Pricing source · 30 Aug 2026 |
Fees
What each product costs.
No hidden markup. Every cost is on screen before you approve.
| Product | Swaps fee | Can also apply | Source · as of |
|---|---|---|---|
| Payment links and invoices | Crypto on Tempo or Relay: payer adds 1%. Cross-chain via Bridge and bank: 1% is deducted from what you receive. Drafting is free. | Provider, network, FX or spread costs. | Founder rulings · 4 Oct 2026 |
| Pay an invoice | 1% on gross source funds. | The Bridge FX quote. Minimums: ACH from 50.00 USD, wire from 1,000.00 USD, SEPA from 200.00 EUR. | Pricing source · 30 Aug 2026 |
| Crypto processing | 1%, added on top and paid by your customer. You receive the full amount. | Network cost of your customer’s transfer. | Crypto processing PRD · 21 Sep 2026 |
| Payroll | 1% on payouts Bridge executes, added on top, so each person receives the full amount. | Provider and network costs, borne by the employer. | Payroll canon · 1 Oct 2026 |
| Wallet on Tempo | $0 to hold, receive and send on Tempo. | Tempo network fee, about $0.03 per transfer. | Pricing source · 30 Aug 2026 |
| Wallet, to another network | 0.15% on sends to another network. No Swaps fee to receive. | Relay and network costs. The amount your recipient gets is shown before you approve. | Wallet send code · 28 Sep 2026 |
| Wallet, to your own bank | 1% for bank withdrawals. | Provider and network costs, shown before you approve. | Pricing source · 3 Oct 2026 |
| Buy and sell | $0 Swaps fee. Swaps can earn a provider-side revenue share. | Provider processing, FX or spread, network or gas. | Pricing source · 30 Aug 2026 |
| Swap | 1% Swaps fee, taken from the amount swapped. | Network gas. Both are shown in the quote before you sign. | Founder rulings · 6 Oct 2026 |
Rails and networks
How money moves, by product.
Public: offered to every eligible account. Limited: live behind a flag or for some accounts, shown only where enabled. Not yet: not offered today.
| Currency or asset | Rail or network | Status | Source · as of |
|---|---|---|---|
| Payment links | |||
| USD bank transfer | ACH, wire | Public | Rail registry · 26 Sep 2026 |
| USD bank transfer | FedNow | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| EUR bank transfer | SEPA | Public | Source: same as above, Rail registry · 26 Sep 2026 |
| GBP bank transfer | Faster Payments | Public | Source: same as above, Rail registry · 26 Sep 2026 |
| BRL bank transfer | PIX | Public | Source: same as above, Rail registry · 26 Sep 2026 |
| MXN bank transfer | SPEI | Public | Source: same as above, Rail registry · 26 Sep 2026 |
| USDC | Base, Ethereum, Polygon, Arbitrum, Optimism | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| USDC.e | Tempo | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| Pay an invoice | |||
| USD | ACH, wire | Public | Rail registry · 26 Sep 2026 |
| EUR | SEPA | Public | Source: same as above, Rail registry · 26 Sep 2026 |
| GBP | Faster Payments | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| BRL | PIX | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| MXN | SPEI | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| COP | Bank transfer | Not yet | Source: same as above, Rail registry · 26 Sep 2026 |
| You fund with USDC | Base, Ethereum, Polygon, Arbitrum, Optimism | Public | Pay an invoice canon · 29 Sep 2026 |
| Payroll | |||
| USD, EUR, GBP, BRL, MXN, COP | Bank account via Bridge | Public | Rail registry · 26 Sep 2026 |
| USDC | External wallet | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| USD stablecoins | Swaps wallet on Tempo | Not yet | Source: same as above, Rail registry · 26 Sep 2026 |
| Wallet | |||
| USDC in | Base, Ethereum, Arbitrum, Optimism, Polygon, via Relay | Limited | Rail registry · 26 Sep 2026 |
| USDC.e out | Base, Ethereum, Arbitrum, via Relay | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| USD, EUR, MXN out | To your own bank: ACH, wire, SEPA, SPEI | Public | Source: same as above, Rail registry · 26 Sep 2026 |
| USD, EUR, MXN in | Bank details in your name, via Bridge | Limited | Source: same as above, Rail registry · 26 Sep 2026 |
| USD stablecoins | Send and receive on Tempo | Public | Wallet canon · 1 Oct 2026 |
| Crypto processing | |||
| Stablecoins on Tempo | USDC.e, pathUSD, USDT0, USD1, cUSD | Limited | Crypto processing PRD · 21 Sep 2026 |
| USDC from another network | Base, Ethereum, Polygon, Arbitrum, Optimism, via Relay | Limited | Payment links canon · 1 Oct 2026 |
Partners
Who carries the money.
Named before you pay. Never swapped silently. A partner that is not live is never named.
| Partner | Role | What it does | Source · as of |
|---|---|---|---|
 | Bank-service provider | Moves bank money in and out, and verifies the people and businesses on those payments. | Partner dictionary · 1 Oct 2026 |
| Relay | Cross-network carrier | Carries USDC between networks. | Source: same as above, Partner dictionary · 1 Oct 2026 |
| Tempo | Network | The network your dollar balance lives on. | Source: same as above, Partner dictionary · 1 Oct 2026 |
Custody
Who holds the money, and when.
Where your money is decides who can move it.
| Fact | Value | Source · as of |
|---|---|---|
| In your Swaps wallet | Only you. Wallet sends require your passkey or an active session you authorised. Swaps holds no wallet key. Provider and token restrictions may still apply. | Wallet terms · 27 Jun 2026 |
| If you lose your passkey | Swaps cannot recover the wallet. Sync between your devices is up to your password manager. | Source: same as above, Wallet terms · 27 Jun 2026 |
| On a bank transfer | Bridge and its banking partners process the transfer under the route’s completion, return and compliance rules. | Terms of Service · 10 Jul 2026 |
| Between networks | Relay coordinates the source deposit and destination transfer through contracts and liquidity providers. Completion and returns depend on the route. | Wallet canon · 1 Oct 2026 |
| Crypto into a link on Tempo | A one-purpose payment contract can pay only two places: you and the Swaps fee. Nobody can redirect it, Swaps included. | Payment contract · 20 Jun 2026 |
| Payroll and paying an invoice | Bridge processes supported bank payouts. Where wallet funding is offered, you sign the transfer from your wallet to the displayed funding destination. | Terms of Service · 10 Jul 2026 |
| Bank details | Provider-issued receiving details are subject to the account holder and beneficiary instructions shown. Swaps does not issue bank accounts. | Wallet FAQ source · 4 Sep 2026 |
Availability
What is limited, or not yet.
Unavailable routes are shown as unavailable, never hidden.
| Fact | Value | Source · as of |
|---|---|---|
| By country | Availability depends on your country. Where no partner is live, a product reads “Not available in your country yet”. | Founder rulings · 1 Oct 2026 |
| Solana | Not available yet. | Wallet canon · 1 Oct 2026 |
| Wallet | In live beta. | Wallet terms · 27 Jun 2026 |
| Paying an invoice as an individual | Up to 4,000.00 USD per payout. | Pay an invoice canon · 29 Sep 2026 |
| Payroll to a Swaps wallet | Not live yet. People are paid to a bank account, or a USDC wallet where enabled. | Rail registry · 26 Sep 2026 |
| Payroll scope | Execution only. No tax calculation, filings, payslips or employer-of-record work. | Pricing source · 30 Aug 2026 |
| Swaps is not | A bank or a promise of recovery. | Terms of Service · 10 Jul 2026 |
FAQ
Questions.
Is Swaps a bank?
No. Swaps is software and an interface. Bank payments are processed by Bridge, the provider for supported bank services.
Who holds my money?
In your Swaps wallet, only you: a passkey on your device signs every move. On a bank transfer, Bridge holds it until it lands. Between networks, Relay does.
How current are these facts?
Each row shows the date its source last changed. The page is rebuilt from those sources on every release.