Does my company need a foreign entity to get USD account details?

No. You work with your existing Bulgarian company. The EUR IBAN and the US account details are opened in the company's name, and clients and platforms abroad pay the company directly.

What documents does a company need to open an account?

Company registration details, identification of the directors and owners, and basic information about what the business does. Everything is submitted online during sign-up, and the account opens after the business verification is complete.

How does the company pay a supplier or contractor?

You choose what the recipient gets. USDC reaches any wallet for the network fee. Bank money goes out in EUR or USD at 1.25% (minimum EUR 2), funded from the company's stablecoin balance, and most routes arrive the same day.

What does a business account cost?

The account and statements are free, with no monthly fee. Incoming EUR or USD costs 1.5% (minimum EUR 1), payouts to banks cost 1.25% (minimum EUR 2), transfers between xChange.bg clients are free and on-chain sends cost the network fee only.

Will our accountant accept the records?

The account produces statements and exports showing every incoming payment, conversion, payout and fee. Agree with your accountant in advance how stablecoin balances will be recorded in the company's books, because that is a question of accounting and tax treatment.

Can any business open an account?

No. Onboarding depends on business verification and sanctions screening. Companies from sanctioned jurisdictions and high-risk activities, such as unlicensed gambling, shell companies or weapons, cannot be onboarded.

Is the company's money held by xChange.bg?

No. The balance sits in a self-custody wallet controlled by the company. xChange.bg holds no keys and cannot freeze it. Fiat services such as the IBAN and payouts are provided by Bridge, a Stripe company.

Business accounts for Bulgarian companies

By xChange.bg team
Published 16 September 2026

Many Bulgarian companies earn and spend across borders: a software studio billing in dollars, an online shop collecting marketplace payouts, a trading company paying a supplier outside the EU. xChange.bg business accounts give such a company EUR and USD payment details in its own name and a stablecoin balance it controls.

What a business account is

A business account has the same building blocks as a personal one, opened in the company's name:

A EUR IBAN for SEPA transfers from clients and platforms. See the EUR account.
US account details for ACH and wire payments. See the USD account.
A self-custody wallet where incoming money arrives as USDC. See the stablecoin wallet.
Payouts in EUR or USD to any bank account. See send to bank.
Statements and exports for the company's accountant.

xChange.bg is a financial technology company, not a bank. Fiat services, including the IBAN, the US account details and payouts, are provided by Bridge, a Stripe company. The wallet is controlled by the company, and xChange.bg cannot freeze it.

Who it is for

Import and export. Receive from international buyers directly, and pay suppliers in USDC or by bank transfer, without double conversion on cross-border trades.
IT and SaaS. Receive USD via ACH and wire, and pay remote teammates and contractors in USDC or by bank.
E-commerce. Collect marketplace payouts in EUR and USD and pay suppliers from the balance. See an e-commerce seller paid in USD.
Crypto-native businesses. Bank rails and on-chain payments in one account, at any hour on-chain.

The company does not need a foreign entity. It works with its existing Bulgarian registration, and support answers in Bulgarian or English on the same business day.

How it works

Sign up. Choose a business account and enter the company's name and UIC (ЕИК).
Business verification. Submit registration details, identification of the directors and owners, and a short description of what the company does. This is a know-your-business check, the company equivalent of KYC, run by our licensed partner.
Share the payment details. Put the EUR IBAN and the US account details on invoices, and add them to marketplace and platform payout settings.
Receive. Payments arrive in the company's wallet as stablecoins, with the 1.5% fee deducted.
Pay. Choose what each recipient gets: EUR or USD to a bank account at 1.25%, or USDC to their wallet for the network fee. The fee is shown before you send.
Close the month. Export statements for your accountant.

Fees

Action	Fee
Account, statements	Free, no monthly fee
EUR or USD in, arriving as stablecoins	1.5% (minimum EUR 1)
Payout to a bank in EUR or USD	1.25% (minimum EUR 2)
Transfer to another xChange.bg client	Free, instant
USDC to an external wallet	Network fee only

Example. A US client pays the company USD 12,000. After the 1.5% fee of USD 180, 11,820 USDC arrive. The company pays a contractor USD 3,000 by wire, with a fee of USD 37.50, and pays another contractor 2,000 USDC to their wallet for the network fee. See the pricing page for all fees.

What to know before you use it

Euro payments inside the EU. For euro invoices from and to EU bank accounts, a Bulgarian bank already uses SEPA. The account makes most sense when dollars, stablecoins or clients outside the euro area are involved.
Accounting and tax. Stablecoins are crypto-assets. How the company records them, values them at year end and taxes any result is a question for your accountant. This page is not tax or accounting advice.
Payments in USDC. Agree the network with the recipient in writing, check the address with the crypto address checker and send a small test amount to a new recipient. On-chain transfers cannot be reversed.
Who controls the wallet. Because the wallet is self-custody, decide inside the company who has access to the sign-in and how that access is protected.
Not a bank deposit. Stablecoin balances are claims on the issuer, backed by reserves, and are not covered by a deposit guarantee scheme.
Onboarding limits. Sanctioned jurisdictions and high-risk activities cannot be onboarded, and accounts are for companies in the EU/EEA.

Frequently asked questions

Does my company need a foreign entity to get USD account details?: No. You work with your existing Bulgarian company. The EUR IBAN and the US account details are opened in the company's name, and clients and platforms abroad pay the company directly.
What documents does a company need to open an account?: Company registration details, identification of the directors and owners, and basic information about what the business does. Everything is submitted online during sign-up, and the account opens after the business verification is complete.
How does the company pay a supplier or contractor?: You choose what the recipient gets. USDC reaches any wallet for the network fee. Bank money goes out in EUR or USD at 1.25% (minimum EUR 2), funded from the company's stablecoin balance, and most routes arrive the same day.
What does a business account cost?: The account and statements are free, with no monthly fee. Incoming EUR or USD costs 1.5% (minimum EUR 1), payouts to banks cost 1.25% (minimum EUR 2), transfers between xChange.bg clients are free and on-chain sends cost the network fee only.
Will our accountant accept the records?: The account produces statements and exports showing every incoming payment, conversion, payout and fee. Agree with your accountant in advance how stablecoin balances will be recorded in the company's books, because that is a question of accounting and tax treatment.
Can any business open an account?: No. Onboarding depends on business verification and sanctions screening. Companies from sanctioned jurisdictions and high-risk activities, such as unlicensed gambling, shell companies or weapons, cannot be onboarded.
Is the company's money held by xChange.bg?: No. The balance sits in a self-custody wallet controlled by the company. xChange.bg holds no keys and cannot freeze it. Fiat services such as the IBAN and payouts are provided by Bridge, a Stripe company.