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Stablecoins, en claro
Qué son USDC y USDT, por qué un dólar digital busca mantener el valor y en qué se diferencia de un depósito bancario.
- USDC and USDT in one paragraph each
- Bank deposit vs stablecoin receipt
- Why clients can still pay ACH
- Risks: issuer, custody, compliance holds
Cómo ayuda SwiftFi
Cuenta de conversión → ACH de todos los días → tú eliges
In this guide
Practical takeaways
- 01
What are USDC and USDT?
USDC and USDT are stablecoins: tokens designed to track about $1. Issuers hold reserves (cash and short-term assets) and publish attestations—read those if you want depth beyond marketing copy.
They ride on blockchains (often Ethereum). You hold them in a wallet you control or through a platform that custodies for you. They are not FDIC-insured bank deposits.
- 02
How is getting paid in stablecoin different from a bank deposit?
A bank deposit is a claim on a regulated bank, with local deposit insurance where it applies. Stablecoin is a digital asset whose peg depends on issuer reserves, redemption markets, and your custody choices.
With SwiftFi, many freelancers still receive client money via ACH first—familiar for the client—then choose to hold or move dollar-pegged value afterward. That split keeps sales conversations simple.
- 03
Real risks (no hype)
Issuer and reserve risk: if confidence in a stablecoin breaks, the peg can slip. Prefer established tokens and understand who holds reserves.
Self-custody risk: if you control keys, losing your recovery phrase means losing funds—there is no password reset on-chain.
Compliance risk: partners monitor transactions. Large or unusual deposits can pause until you provide contracts and invoices—same theme as our freeze prevention guides.
- 04
Where to go next
Ready to share details with a client? Read ACH or wire: what to send your US client.
Need euros or pesos in a local account? Read how to turn USDC into local currency (off-ramp).
Want reassurance? Read is SwiftFi safe and our Support guide on fintech vs bank.
How SwiftFi helps
Open a conversion account, share US ACH details with clients or payroll, then choose stablecoin for lower fees and faster settlement—or off-ramp if you prefer not to hold stablecoin.
Preguntas frecuentes
Do I need to understand crypto to use SwiftFi?+
No for client payments—they pay ACH. You only need basic wallet hygiene if you choose self-custody settlement.
Are stablecoins the same as money in my bank?+
No. Stablecoins are digital assets pegged to the dollar; bank deposits are claims on a bank with different regulation and insurance.
What should I read next?+
ACH or wire for client instructions, then off-ramp if you need local currency in your bank.
Guías relacionadas
ACH o wire
Qué datos compartir, tiempos y costos del lado del cliente, y una lista para facturar a una empresa de EE.UU.
Convertir USDC a moneda local
Del USDC en tu wallet o saldo de SwiftFi a euros, pesos, reales y otras monedas locales.
¿SwiftFi es seguro para transferencias internacionales?
Seguridad, KYC, banca de socios y monitoreo de cumplimiento: qué significa “seguro” en un pago internacional.