USDCAn account, money in, money out. That is all.
Three steps and you are on the new rails.
Open an account
Sign up online in minutes and get a EUR IBAN and a US dollar account, both in your own name.
Buy or get paid
Top up from your own bank or have clients pay you. The money arrives as USDC, Bitcoin or Ether, in your own wallet or the one in the app.
Pay anyone
Sell back to your own bank, or pay suppliers and contractors by bank transfer in EUR or USD, or in crypto to any wallet.
Bitcoin, Ether and USDC, straight from your bank
One transfer to an IBAN in your own name and the money arrives as crypto in your wallet. Selling works the same way, back to your bank.
Buying: 1.5%, same day
Send a transfer from any bank to your own IBAN. It arrives as USDC, Bitcoin or Ether in your wallet, with no card fees and no exchange screens.
Pay and get paid
Suppliers, freelancers, invoices from abroad. Pay in EUR or USD by bank transfer, or in USDC in seconds for cents, at any hour.
Selling: 1.25%, to any bank
Back to your bank or straight to a supplier, in EUR or USD. With a statement your accountant accepts.
Payment and crypto-asset services are provided by Noah: in the EU by Noah LV SIA, authorised by the Bank of Latvia under MiCA and PSD2, and in the US by Noah US, Inc., a licensed money transmitter. xChange.bg operates the technology; your crypto goes to a wallet only you control.
What a payment actually costs
Three routes our clients run every week, with the whole fee, not the teaser rate.
xChange.bg vs. traditional banks
Built for money that crosses borders, not for branch queues.
Banks
The old wayxChange.bg
With xChange.bgNine years of trust. Everything else is new.
The same xChange.bg, on new rails.
xChange.bg opens in Sofia
relaunched on stablecoin rails
EU countries, plus the US
monthly fees, then and now
We speak your language
Built for people and companies whose money does not stop at the border.
Import & Export
- Pay suppliers in USDC in seconds. Cashing out is on their side
- Receive from international buyers directly
- No double conversion on cross-border trades
IT & SaaS
- Receive USD via ACH, Wire and SWIFT
- Pay remote teammates and contractors in USDC
- Accountant access and clean exports
E-commerce
- Collect marketplace payouts in EUR and USD
- Pay suppliers straight from your balance
- Statements and exports your accountant accepts
Freelancers & Creators
- USD account details for global clients and platforms
- Keep dollars as dollars, convert only when you choose
- Statements and tax report export
Longtime exchange clients
- Sell Bitcoin, Ether or USDC, the euro lands in your bank the same day
- Regulated partner on-ramp and off-ramp, fees shown upfront
- On-chain out whenever you choose, to any wallet
Crypto-native business
- Fiat rails and on-chain in the same account
- Pay contractors in USDC, salaries in EUR
- On-chain in and out at any hour
Frequently asked questions
Is xChange.bg a bank?
No. xChange.bg is a financial technology platform. Accounts, conversions and payouts are provided by Noah: Noah LV SIA in the EU, authorised by the Bank of Latvia as a crypto-asset service provider under MiCA and as a payment institution, and Noah US, Inc. in the US, a licensed money transmitter. Incoming money converts automatically to USDC, Bitcoin or Ether. Balances are crypto-assets, not bank deposits.
How do I pay a supplier or a freelancer?
You choose what they receive. Crypto reaches any wallet in seconds for a network fee. A bank transfer goes out in EUR or USD over SEPA, ACH or wire, from your balance at 1.25%, most routes the same day.
Who can open an account?
Individuals and companies in the EU, the EEA and the US. Onboarding is fully online: identity verification for individuals, business verification for companies. Most personal accounts open in minutes; business accounts typically within 1-3 days.
Where is my money held?
In a wallet only you control: your own wallet, or the free wallet in the app. We hold no keys and cannot freeze your balance. The euro and dollar side runs through Noah; your crypto stays yours, and you can send it on-chain or withdraw to your bank whenever you choose.
Do I need a foreign company to get USD account details?
No. You operate with your existing Bulgarian company or as an individual. The EUR IBAN and US account details are opened in your own name, platforms and clients abroad pay you directly.
How long does opening an account take?
Onboarding is fully digital. Personal accounts typically open in minutes; business accounts within about a day, depending on the compliance review.
What documents does a company need?
Company registration details, identification of directors and owners, and basic information about what the business does. All submitted online during signup.
Can any business sign up?
Onboarding is subject to verification and sanctions screening. Sanctioned jurisdictions and high-risk activities, unlicensed gambling, shell companies, weapons and similar, cannot be onboarded.
Open your account today
Free account. No monthly fees. Pay only when you send.