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.

How does a SEPA payout work and how long does it take?

You enter the recipient IBAN and BIC and the euro amount. SEPA settlement is about 1 business day. The SEPA minimum is 200 euro.

Pay a SEPA invoice with crypto in EUR

Settle a euro SEPA invoice with USDC from any supported wallet. Enter the recipient IBAN and BIC and the euro amount, fund the payment in crypto, and the recipient receives the exact euro figure by SEPA transfer. The SEPA minimum is 200 euro. You cover a flat 1% on top, and Swaps never holds your funds — the off-ramp runs through Bridge, a licensed 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

EUR SEPA payouts settle in about 1 business day. On SEPA the payment is sent through our partner Bridge, so the recipient sees Bridge as the sender while you remain the originator. Pay from USDC on Base, Ethereum, Polygon, Arbitrum, or Optimism.

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.