Does the recipient need a Swaps account or a crypto wallet?

No. The recipient receives a normal bank transfer in their own bank account. They never need a Swaps account and never touch crypto.

Bridge applies a 1% developer fee to gross source funds. The source quote is calculated at funding, so an earlier payout-currency estimate is not an exact USDC total.

Which currencies can I pay?

USD by ACH or wire; EUR by SEPA are supported publicly today. Account verification and exact corridor eligibility are confirmed in the product before funding.

How long does it take?

Bank-rail timelines apply. ACH is typically 1 to 3 business days, a wire is usually same or next business day, and SEPA is about 1 business day.

Whose name does the recipient see?

On a USD wire the recipient can see your name. On ACH and SEPA the payment is sent through our partner Bridge, so Bridge is shown.

Does Swaps hold my money?

You send USDC to a deposit address operated by Bridge or another enabled provider-side rail, which converts it and pays the recipient.

Pay supported USD and EUR bank invoices with USDC.

Hold crypto but need to settle a bank invoice? Enter the recipient bank details and invoice target, then review the provider source quote before sending USDC. The recipient receives fiat in their bank account and never needs a Swaps account. Funding and bank settlement use the applicable Bridge entity and its terms; eligibility and return rules depend on the route.