Live · Support status
Conversion accounts are available in Romania
SwiftFi lets you open a dedicated conversion account (virtual USD details) from Romania. 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 Romania
Built for global work from Romania: 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 Romania 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 Romania.
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 · Into a bank account
By local transfer
Prefer not to hold stablecoin? Off-ramp via Into a bank account 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 Romania
- US security and product retainers expect ACH details Romanian contractors rarely have.
- International wires add days before funds are usable.
- FX spreads quietly cut into fixed consulting invoices.
Learn the options
Payment guides for Romania
A cybersecurity analyst in Romania retained by US firms can lose days to international bank hops—SwiftFi gives clients ACH details and settles with lower-friction stablecoin when incidents don’t wait.
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 Romania
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 Romania-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.
Into a bank account
By local transfer when you prefer an off-ramp from Romania instead of holding stablecoin.