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.

ACH or wire, and how long does each take?

You enter the recipient account and routing number. ACH is typically 1 to 3 business days from a 50 dollar minimum; a wire is same or next business day from a 1,000 dollar minimum.

Whose name does the recipient see?

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

Pay a US bank invoice with crypto in USD

Settle a US dollar invoice with USDC from a supported network. Enter the recipient account, routing number, and target amount, then review the provider source quote before funding. The recipient receives fiat by ACH or wire. Swaps stays non-custodial; the off-ramp runs through Bridge, a licensed partner.