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.

A flat 1%, added on top of the invoice amount. The recipient always receives the exact amount you owe; you cover the 1% on top.

Which currencies can I pay?

USD invoices by ACH or wire are the first supported corridor. EUR/SEPA is available only when shown in the product for your account and corridor. More currencies are on the way.

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?

No. Swaps is non-custodial. You send USDC to a deposit address operated by Bridge or another enabled provider-side rail, which converts it and pays the recipient.

Pay an invoice with crypto — USDC in, fiat out

Hold crypto but need to settle a bank invoice? With Swaps you enter the recipient bank details and the invoice amount, fund it with USDC from any supported wallet, and the recipient receives the exact amount in their own bank account. They never need a Swaps account and never touch crypto. You cover a flat 1% fee on top, and Swaps stays non-custodial — funds move through Bridge, a licensed money-transmission partner.

How it works

Enter the invoice and the recipient bank details — Add the invoice amount and currency, the corridor, and the recipient bank account, plus their name and address.
Fund it with USDC — Swaps shows a deposit address and the exact crypto amount, the invoice plus the 1% fee. Send USDC from any supported wallet.
The recipient gets the exact amount — Bridge converts and pays the recipient bank by the chosen rail. Track the payout from funds received through to settled.

Supported corridors

USD bank invoices by ACH (from $50) or wire (from $1,000) and EUR invoices by SEPA (from 200 euro) are supported today. Pay from USDC on Base, Ethereum, Polygon, Arbitrum, or Optimism. More currencies are on the way.

Fees and custody

The fee is a flat 1%, added on top of the invoice amount, so the recipient always receives the exact amount you owe. Swaps is non-custodial and never holds your money; you send USDC to a deposit address operated by Bridge, a licensed money-transmission partner, which converts it and pays the recipient on your behalf.

Quick links

Pay an invoice with crypto — pay USD and EUR bank invoices with USDC.
Pay a SEPA invoice with crypto — settle euro invoices by SEPA.
Pay a US invoice with crypto — settle dollar invoices by ACH or wire.
Payment Links — collect invoices instead of paying them.