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Conversion accounts are available in Canada
SwiftFi lets you open a dedicated conversion account (virtual USD details) from Canada. Your US clients pay the way they're used to: everyday ACH to US account details. After funds arrive, keep them as stablecoin for lower fees and faster payments, or use an off-ramp if you prefer not to hold stablecoin.
How SwiftFi helps in Canada
Built for global work from Canada: open a conversion account, get paid by everyday ACH, then choose how funds settle.
US PAYMENT DETAILS
Receive by US rails
Conversion account with US details so clients pay teams and solopreneurs in Canada by everyday ACH.
BORDERLESS ACCESS
No Visa required
No US residency or traditional US bank account required.
SETTLEMENT CHOICE
Choose how to settle
Hold stablecoin for lower fees and faster payments—or off-ramp if you prefer not to.
PAYOUT VISIBILITY
Track every payout
Clear payout tracking for work from Canada.
Recommended for speed & fees
Hold stablecoin
Keep balances as stablecoin for lower fees and faster payments after your US client pays by ACH.
Off-ramp · EFT
CA bank rail
Prefer not to hold stablecoin? Off-ramp via EFT to your local bank account.
SwiftFi debit cards
Spend from your balance with a SwiftFi debit card—same portal, fewer hops. Get notified the moment cards launch.
Why this matters
Local payment challenges in Canada
- US SaaS teams run ACH payroll; Canada freelancers need a bridge before local deposit.
- Cross-border fees and FX can shrink USD invoices headed to CAD accounts.
- Payout status stays unclear while funds move between banking systems.
Learn the options
Payment guides for Canada
A technical writer in Canada supporting US SaaS docs teams often gets paid by ACH that doesn’t map cleanly to local deposit—SwiftFi receives that ACH, then settles with EFT or stablecoin as preferred.
Conversion accounts
Conversion accounts give you US banking details so clients pay with everyday ACH. Then hold stablecoin for lower fees and faster payments, or off-ramp if you prefer not to.
Pay freelancers in USD
Paying freelancers in USD can improve predictability and reduce forced FX conversions. Learn how USD invoicing, virtual accounts, and modern settlement rails make it easier.
Low-fee international payments
Low-fee international payments aren’t just about the headline fee. FX markups can quietly cost more. Learn how to compare providers and keep more of what you earn.
Get paid in stablecoin
Learn how to get paid in stablecoin: create and link a wallet, receive USDC or USDT, and use yield and spending options.
Freelancer payments
Freelancer payments shouldn’t be unpredictable. Learn practical methods to get paid faster, avoid hidden fees, and simplify invoicing when working with international clients.
Set up payroll with SwiftFi
Set up payroll with SwiftFi in a few steps: get approved, add your account and routing numbers to your employer’s HR system, and get paid to your external wallet automatically on payday.
Borderless banking
How SwiftFi connects banking integrations from Canada
SwiftFi is borderless banking infrastructure: US clients pay on familiar ACH rails, your conversion account bridges those dollars, and you settle through wallets, stablecoin, or local banking—without rebuilding a new bank relationship for every client.
US ACH / Wire / RTP
Clients in the US pay Canada-based freelancers with everyday domestic rails to your conversion account.
Conversion account
Virtual USD details that plug into payroll and invoicing tools—no US residency or traditional US bank account required.
Wallet integrations
Hold USDC or USDT in any wallet, or keep funds in SwiftFi wallet with yield when you want lower fees and faster movement.
EFT
CA bank rail when you prefer an off-ramp from Canada instead of holding stablecoin.