Features: what an xChange.bg account does
EUR and USD accounts in your name, a stablecoin wallet you control, payouts to any bank.
USD account: US bank details in your name, paid out as USDC
The xChange.bg USD account gives you US account and routing numbers in your own name, so American clients, platforms and employers can pay you by ACH or wire like a local payment. The dollars arrive in your own wallet as USDC, the dollar stablecoin issued by Circle, with a 1.5% fee. You do not need a US company, and the account has no monthly fee.
Stablecoin wallet: self-custody, six networks, network fee only
Every xChange.bg account comes with a self-custody wallet built on Privy. xChange.bg holds no keys and cannot freeze it. The wallet works on Solana, Ethereum, Base, Arbitrum, Polygon and Optimism: you can receive USDC and other tokens on those networks, and send to any external wallet for the network fee only. Transfers to other xChange.bg clients are free and instant.
Send to bank: from your stablecoin balance to any bank account
Send to bank turns your stablecoin balance back into ordinary money. You choose EUR or USD, enter the recipient's bank details, which can be your own account or a supplier's or contractor's, and see the 1.25% fee (minimum EUR 2) and the amount before you confirm. Euro payouts go out by SEPA, dollar payouts by ACH or wire, and most routes arrive the same day.
EUR account: an IBAN in your name that turns euros into USDC
The xChange.bg EUR account is a euro IBAN issued in your own name. Anyone in the SEPA area can pay you by ordinary bank transfer, and the money arrives in your own wallet as USDC. The account has no monthly fee, incoming euros cost 1.5% (minimum EUR 1), and paying out to a bank costs 1.25%.
Business accounts for Bulgarian companies
xChange.bg business accounts give a Bulgarian company a euro IBAN and US account details in its own name. Money from clients, buyers and marketplaces arrives as USDC in the company's wallet. From there the company pays suppliers and contractors in EUR or USD by bank transfer at 1.25%, or in USDC for the network fee, with statements and exports for the accountant. No monthly fee.