Virtual USD Accounts for Global Freelancers
Get USD bank details in your name. Clients pay by ACH or wire; you receive stablecoin the same business day, without US residency.
Highlights
Your conversion account is the core of how SwiftFi works: clients pay the familiar way with bank details, and you receive stablecoin with transparent fees and full visibility. No crypto knowledge required on either side.
How it works
How a conversion account works
From sharing bank details to stablecoin in your wallet—one flow, clearly tracked.
- 1
Open your conversion account
Create your SwiftFi account, complete verification, and set up a virtual USD account. You get domestic-style payment details in your name—ready to share with US clients and employers.
- 2
Share payment details with clients
Send your ACH or wire instructions the way clients expect. They see normal US bank details—not a crypto address or confusing international wire form.
- 3
Client pays on familiar rails
Your client sends USD via ACH or wire using the details you provided. SwiftFi receives the payment and starts processing while you get notified that money is on the way.
- 4
SwiftFi converts and settles
Funds convert to stablecoin (USDC or USDT) and settle to your linked wallet—typically the same business day. You choose when to convert or hold USD value until you are ready.
- 5
Track everything in one dashboard
See fees, status, and full transaction history in your SwiftFi portal. Connect invoices and work records so reconciliation is straightforward at month-end.
Connect with SwiftFi Invoices
Why SwiftFi
Cross-border payment challenges we help with
Getting paid from US clients without a US bank account breaks down in predictable ways—conversion accounts are built to fix them.
US clients refuse crypto addresses or international wires—they want domestic bank details.
SwiftFi helps: Your conversion account provides ACH and wire instructions in your name, so clients pay the way their accounting team expects.
Traditional wires and FX markups eat into earnings with fees you only discover after the fact.
SwiftFi helps: Transparent 3% pricing on instant payments with no hidden conversion spreads on supported flows—keep more of what you earned.
You wait days or weeks for international transfers to clear with no visibility into status.
SwiftFi helps: Same-business-day stablecoin settlement with payment notifications and real-time tracking in your dashboard.
You need a US bank account or residency to receive USD from American clients.
SwiftFi helps: Virtual USD accounts work for international freelancers and remote teams—no US residency or traditional US bank relationship required.
Payment details live in email threads, PDFs, or outdated templates that confuse clients.
SwiftFi helps: Pair your conversion account with SwiftFi Invoices so payment instructions stay attached to every bill you send.
Month-end means matching mystery deposits to “which client was that?”
SwiftFi helps: Transaction history, payment notifications, and links to invoices and work records keep your books aligned.
What a conversion account is
A conversion account (virtual USD account) gives you familiar US bank-style payment details so clients can pay via ACH or wire—while SwiftFi handles conversion to stablecoin behind the scenes.
It is designed to reduce cross-border payment friction without requiring US residency, a traditional US bank, or crypto knowledge from you or your clients.
Why it matters for cross-border work
US clients and payroll teams prefer domestic-style USD payments. When you share clear bank details in your name, you cut “how do I pay you?” back-and-forth and improve payment reliability.
You also control conversion timing—hold USD value until you are ready or settle to stablecoin the same business day, which can reduce hidden FX spread costs compared to traditional rails.
Rails, conversion, and settlement
Conversion accounts accept ACH and US wire transfers—the same rails your client’s bank expects—then convert to USDC or USDT and forward to your linked Ethereum wallet.
SwiftFi supports instant, recurring, scheduled, and one-time payments. Invoices and Work connect back to your account so billing and payouts live in one portal.