fiat/swaps
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FIAT IN·USDC OUT

Instant fiat swaps into USDC.

Get a virtual EUR or USD account in your name. Every fiat payment lands as USDC in your wallet.

Get Paid in USDC
They send fiat
We swap it
You receive USDC
Platform
Sponsor
Agency
Marketplace
Customer
EUR
USD
EUR
EUR
USD
EUR
USD
Personal Virtual Account
Riley Chen
IBAN LU28 0019 4006 ****
Business Virtual Account
Riley Chen LLC
021 ****** · 8834 ******
EUR/USDC
USD/USDC
USDC
USDC4,280.00
The flow

Multi-currency swaps to USDC made simple.

A virtual account receives the payment. Fiat/Swaps converts it. USDC lands in your wallet.

  1. 01
    EUR · SEPA
    Riley Chen
    LU28 0019 4006 ●●●● ●●●●
    Collect

    Virtual EUR or USD account in your name

    A real, named account. EUR via SEPA (IBAN). USD via wire and ACH. You drop it into any platform, sponsor agreement, marketplace, or invoice, the same place bank details go today.

  2. 02
    Rate · Locked
    EUR
    €10,000.00
    ×1.0628
    USDC
    10,628.06
    Swap

    Instant automated onramp swaps

    When a payment arrives, it converts to USDC at a rate posted before the swap runs. One fee. One record on each side. There's no exchange tab to open and no trade to approve.

  3. 03
    Base · Confirmed
    0x7a2c…8f3e
    Base · USDC
    +10,628.06 USDC
    Send

    USDC in the wallet you control

    USDC settles to the wallet you configured. We never custody it. Once it leaves the rail, it sits under your keys, independent of anything that happens to us.

On the rail

Virtual bank accounts with instant USDC swaps.

EUR · account
HolderYour name
IBANLU28 1234 ··· 9821
BICBCEELULL

Named EUR and USD account details

You get bank details in your own name: a SEPA IBAN for EUR and wire or ACH details for USD. Use them on platforms, invoices, marketplaces, or sponsor agreements.

live conversion
€1,000.00× 1.08571,085.70 USDC

Fiat converts automatically

When a payment arrives, it is converted into USDC at the shown rate. There is no exchange account to open, no manual trade to place, and no withdrawal step after.

your wallet
0x7a2f···4b1e
Base · USDC

USDC goes to your wallet

The converted USDC is sent to the wallet address you choose. We route the payment to you; we do not keep a balance or custody the funds for you.

split rule
€2,000
Contractor A60%
Employee B30%
Ad spend10%

Split one payment into many wallets

Set how much each recipient should receive. One incoming payment can pay several wallets in USDC, with a separate record for each split.

transactions
€
1,000.00 EUR+1,085.70 USDC
$
420.00 USD+419.58 USDC

A record for every payment

Each payment creates a simple line item with the sender, fiat amount, rate, fee, USDC amount, and transaction hash. Export the records when you need reconciliation.

verification
SenderRecipient
KYC verified

Verification for real payout flows

We verify who is receiving money and where it comes from, so creator payouts, invoices, agency income, and marketplace payments can be approved without guesswork.

Pricing

One swap fee.

A single all-in fee per incoming payment.

All-in · per swap
2%

No hidden spreads · No wire fees · No withdrawal fees

RECEIVED · AT LIVE RATES
  • Incoming wire
  • Current market rate—
  • Swap rate (2% spread)—
USDC out—
Get your virtual account
FAQ

Questions on virtual accounts, USDC swaps, and non-custodial settlement.

What's actually inside the account in my name?

A real virtual bank account on regulated European infrastructure. EUR comes with a SEPA IBAN. USD comes with an account number, routing number, and wire details. If a bank account works as a payout destination, this does too.

Is this regulated?

Yes. EUR rails settle through CSSF-supervised European banking infrastructure. The on-ramp swap runs through a licensed VASP under European frameworks. Same regulatory chain as your current bank, designed around the rail rather than around retail banking.

How does this differ from using an exchange?

An exchange is a manual stack. Transfer fiat in, place a trade, pay the spread, request a withdrawal, pay a network fee, wait. The rail collapses all of that into one event: a payment arrives, USDC lands in your wallet, one fee posted before it runs. You don't open the exchange tab, because there isn't one to open.

What happens if you shut down?

Your virtual account sits on a regulated European bank, not on our balance sheet. Your USDC sits in your own wallet, under your keys. If anything ever changes on our end, you get advance notice and a way to keep operating without us.

Can I convert USDC back to fiat when I need it?

Yes. You can off-ramp back to fiat when you need euros or dollars for rent, payroll, taxes, or expenses, and withdraw to a regular bank account.

Do I need a registered company to sign up?

No. Solo operators sign up with personal ID. Teams and agencies sign up with company documents. You can start solo and add the company later.

How long does setup take?

Setup is fast. Within five minutes of signing up you finish a simple KYC, your virtual account goes live, and you can start receiving USDC. No batching queue, no manual review.

Get started

Get your virtual EUR or USD account and start receiving USDC today.

Get Paid in USDC
fiat/swapsfiatswaps.comKFA AG · Luzern, Switzerland

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© 2026 fiat/swaps

Virtual accounts provided through CSSF-supervised European banking infrastructure. On-ramp swap run by a licensed VASP under European frameworks. USDC settlement is non-custodial.