# fiat/swaps: instant fiat swaps into USDC

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

Web page: https://fiatswaps.com/

A payer (a platform, a client, an agency) sends EUR or USD to a virtual account in your name, and it lands as USDC in your own wallet on Base. You can also turn USDC back into EUR or USD in a bank account. Sign up: https://fiatswaps.com/sign-up

## Check if we support you

The page's "Check if we support you" form asks what you want to do, who the account is for, where you live, how your payer can send and where they bank, and for withdrawals the currencies and your bank's country. An agent can ask the same question directly:

```
GET https://fiatswaps.com/api/support-check?goal=onramp&holder=person&home=FR&methods=sepa,swift&payer=US
```

- `goal`: `onramp` (get paid in USDC), `offramp` (USDC to EUR or USD in a bank) or `both`.
- `holder`: `person` or `business`. `home`: where they live or the business is registered (ISO 3166-1 alpha-2).
- Getting paid: `methods` (any of `sepa`, `swift`, `ach`, `wire`, comma-separated; empty when not sure) and `payer` (the payer's bank country).
- Withdrawing: `currencies` (`EUR`, `USD`) and `bank` (the bank's country).

The JSON answer says whether we can support them, each route with why it works or not, and what else works. OpenAPI: https://fiatswaps.com/api/support-check/openapi.json. Every country and method: https://fiatswaps.com/help/compliance-limits/supported-countries.md

## Frequently asked questions

### What's actually inside the account in my name?

A real virtual bank account in your own name. EUR comes with a SEPA IBAN. USD comes with an account number, routing number, and wire details. Anywhere a bank account can receive a transfer, this one can too.

### Which countries can you support?

It depends on where you live and where your payer banks. Each country has its own transfer methods: SEPA for EUR, and SWIFT, ACH or wire for USD. Check yours with Check if we support you at the top of this page. [See every country and its transfer methods.](https://fiatswaps.com/help/compliance-limits/supported-countries)

### Is this regulated?

The virtual accounts and the fiat-to-USDC conversion run through our regulated banking and payment partners, including entities registered as a Money Services Business with FINTRAC and entered in the Register of Virtual Currency Business Activity. The USDC settles straight to your own wallet, so we never hold it.

### 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 is held with our banking partners, 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.

## More

- [llms.txt](https://fiatswaps.com/llms.txt): what fiat/swaps is, in short.
- [Help center](https://fiatswaps.com/help): how everything works.
- [Supported countries](https://fiatswaps.com/help/compliance-limits/supported-countries.md), as Markdown.