Everyday ACH, your conversion account
Cuentas de conversión
Datos bancarios de EE.UU. para que el cliente pague por ACH. Después conservas stablecoin o conviertes a moneda local.
- US-friendly bank details for client payments
- Receive and hold USD before withdrawing or converting
- Improves client payment experience
- Reduces expensive international wire workflows
Cómo ayuda SwiftFi
Cuenta de conversión → ACH de todos los días → tú eliges
Path through this guide
- 01What it is
- 02How clients pay
- 03After funds arrive
- 04Get started
01 · What it is
A conversion account, not another bank branch
SwiftFi gives you US payment details—beneficiary, routing, account number—so clients and payroll teams pay the way they already know. You receive through a global-friendly settlement path, without US residency or a traditional US bank account.
Beneficiary name
Your name as it appears on invoices and contracts—what clients enter as the payee.
Routing number
Standard US ACH routing. Payroll and AP systems recognize it like any checking account.
Account number
Your unique deposit destination. Same format HR expects for direct deposit.
Conversion account
Not a traditional US bank account—fintech infrastructure that gives you US-friendly receive rails.
02 · How clients pay
Everyday ACH—no new tools on their end
US clients and employers send standard ACH. They do not need SwiftFi accounts, crypto wallets, or international wire forms. Share the details from your portal exactly as shown.
- Client opens their bank or payroll tool
- Selects ACH transfer or direct deposit
- Enters your SwiftFi routing and account numbers
- Funds arrive in your conversion account ledger
03 · After funds arrive
Stablecoin or off-ramp—you decide
Dollar value lands in your conversion account first. Forced FX at receipt is where banks quietly take margin. SwiftFi keeps conversion as a choice.
Hold stablecoin
Same-day dollar value
Settle to USDC or USDT when you want portable balances, lower fees, and faster access than stacked wires.
Same business day wallet availability when you settle to stablecoin.
Off-ramp
Local cash when you need it
Convert to local currency on your timeline—not the moment a client hits send. Off-ramp when rates and timing work for you.
Availability depends on jurisdiction and verification.
04 · Get started
Open your conversion account
Verify once, copy your US payment details, and share them with clients or payroll. Track every deposit in one portal.
SwiftFi pricing: 3% total fee, 0% currency conversion fee.
- For freelancers
- Invoice in USD, receive with everyday ACH, keep more of each milestone.
- For contractors on payroll
- Give HR checking-style details without maintaining a US bank account.
- Next read
- Direct deposit details
Preguntas frecuentes
What is a SwiftFi conversion account?+
A conversion account provides US banking details (beneficiary, routing, account number) so clients can pay by ACH or wire. After funds arrive, you choose stablecoin or an off-ramp.
Is a conversion account a traditional US bank account?+
No. It is fintech infrastructure that gives you US-friendly payment details. Availability depends on verification and jurisdiction.
Can clients pay with everyday ACH?+
Yes. That is the point—clients and payroll systems use the rails they already know, while you receive through a global-friendly settlement path.
Guías relacionadas
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Datos de cuenta corriente de EE.UU. para ACH y nómina. Cobra en USD sin residencia en EE.UU. para aplicar.
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Abre una cuenta de conversión con datos de ACH de EE.UU. y liquida el cobro transfronterizo en stablecoin, más rápido y con menos comisiones.