What is the Swaps Wallet?

The Swaps Wallet is a non-custodial passkey wallet that holds your dollars as a single USD balance on the Tempo network. You create it inside the Swaps dashboard with Face ID and can hold, receive and send your balance on supported routes, and pay Swaps Payment Links directly from it. It is live for all users.

Is it custodial — can Swaps access my money?

No. The Swaps Wallet is non-custodial. The spending key lives in your device passkey, never on Swaps servers. Swaps stores only your public address and metadata and can never move, freeze or recover your funds.

Do I need a seed phrase?

No. Your wallet is secured by your device passkey using Face ID, Touch ID, Windows Hello or your device PIN. There is no seed phrase to write down or lose. Each transaction is signed with the passkey.

What is in my balance?

Your balance is shown as one USD figure — your dollars. Under the hood it is held in USD-pegged stablecoins on Tempo, so you never have to think about which coin you hold or pick between them.

Do I need to verify my identity (KYC)?

No Swaps KYC is required for wallet-only self-custody on Tempo. Provider verification may apply for non-Wallet provider services such as fiat buy/sell, cross-network routes, Payment Links, Pay Invoice, or Payroll.

There is no Swaps fee for holding your wallet balance or for direct Tempo receive/send. Tempo network gas is about $0.03 per transfer and is paid in a stablecoin. Supported cross-network Send includes a disclosed Swaps fee, currently 15 bps, plus network and provider costs shown before you approve.

What if I lose my phone or passkey?

Passkeys sync across your devices through iCloud Keychain or Google Password Manager, so a new phone keeps access. If you lose access to every device that holds the passkey, the wallet cannot be recovered, because Swaps has no copy of the key. Keep passkey sync on.

Can I send or receive across networks?

Yes, when the route is shown in the wallet. Direct Tempo transfers use your normal Tempo wallet address. Cross-network Receive creates a network-specific, amount-bound deposit address for that exact asset, network and amount. Cross-network Send is available only to supported networks shown before confirmation.

Can I pay invoices with it?

Yes. You can pay any Swaps Payment Link directly from your wallet balance. You open the link, choose Pay with Swaps Wallet, confirm with Face ID, and the payment settles on Tempo.

Do I need a company for U.S. account details?

No. An eligible individual can start with KYC; business mode is an expansion path.

Who settles the money for my account details?

Bridge is the provider-side source of truth. Swaps shows evidence and does not custody funds.

Is my account already a shared team workspace?

The first release is holder-scoped: one verified individual or business payer controls the account. Shared roles and delegated operators require a separate authorization rollout.

Can an individual use Swaps account details?

Yes, where supported. Individuals complete Bridge KYC; businesses complete Bridge KYB. Availability depends on the holder, country, currency, payment rail, destination, and provider controls.

Are Swaps account details a bank account?

No. Bridge issues the provider-side virtual account details. Swaps does not issue a bank account or custody fiat or crypto.

Are the account details really in my name?

USD virtual accounts and MXN CLABE details are issued in your name by Bridge's banking partners. EUR SEPA IBANs are held by Bridge's EEA entity, not the individual holder's name, by design of the SEPA rail.

Храните и переводите доллары через passkey wallet.

Swaps Wallet — это Non-Custodial Wallet для USD-stablecoins в Tempo. Вы создаёте его через Face ID, Touch ID или passkey устройства и можете хранить, отправлять, получать или использовать баланс там, где Swaps Wallet доступен как источник оплаты.

Без seed phrase

Ключ подписи хранится в passkey вашего устройства, а не на серверах Swaps. Swaps хранит только публичные метаданные Wallet и не может двигать ваши средства.

Комиссии видны до подтверждения

Каждое действие проверяется до движения денег. Сетевые комиссии и доступные rails показываются до подтверждения через passkey.