Do I need a US company or a US address to get the USD account?

No. You can use the account as an individual or with your existing Bulgarian company. The US account details are issued in your own name, or your company's name, and clients and platforms abroad pay you directly.

Which US payment methods can I receive?

The USD account details work for ACH transfers and wires. These are the usual ways American companies and payment platforms send dollars to a US bank account, so for the payer it looks like a domestic payment.

What do I get when a client pays me USD 8,000?

The on-ramp fee is 1.5%, which is USD 120, so 7,880 USDC arrive in your wallet. There is no separate conversion step: the dollars become USDC at one to one, and the fee is the only deduction by xChange.bg.

Can I keep the money in dollars?

Yes. The balance stays as USDC until you decide what to do with it. You can hold it, send it to another wallet for the network fee, or convert only the part you need into euros with a payout to your bank.

How do I move the dollars to my Bulgarian bank in euros?

Create a payout in EUR to your own IBAN. The fee is 1.25% (minimum EUR 2) and you see it before you send. The app shows the amount in euros before you confirm, and payouts usually arrive the same day.

Is the USD account a US bank account?

No. The details are virtual account numbers provided by Bridge, a Stripe company, which runs fiat services for xChange.bg. Payments to them become USDC in your wallet. Bridge is not a bank, and the balance is not a bank deposit.

Can a US client pay me in USDC directly instead?

Yes. If the client already holds USDC, they can send it straight to your wallet address on a supported network. Receiving on-chain costs only the network fee, which the sender pays, and there is no 1.5% on-ramp fee.

USD account: US bank details in your name, paid out as USDC

By xChange.bg team
Published 16 September 2026

Many people in Bulgaria earn in dollars: developers with American clients, designers on international platforms, shops selling to US buyers. The xChange.bg USD account gives them US payment details in their own name, so the payer sends a normal domestic US payment and the money lands as USDC in a wallet the recipient controls.

What the USD account is

The USD account is a set of US bank details, an account number and a routing number, issued in your name through Bridge, a Stripe company and xChange.bg's licensed partner for fiat services. Bridge calls these virtual accounts: permanent deposit details that turn incoming dollars into a stablecoin and deliver it to a wallet address. Here, that address is your own self-custody wallet.

Everything that arrives becomes USDC, the dollar stablecoin issued by Circle. Circle states that USDC is backed one to one by cash and short-term US Treasuries held at regulated financial institutions, and it publishes monthly attestations. Dollars stay dollars: nothing is converted into euros unless you decide to pay out in EUR.

You do not need a US company or a US address. The account works for individuals and for existing Bulgarian companies.

Who it is for

Freelancers and contractors invoicing clients in the United States. See the scenario for a freelancer paid by a US client.
IT and SaaS companies that receive USD via ACH and wire and pay remote teammates in USDC.
Online sellers collecting marketplace payouts in dollars.
Creators paid by platforms that send money to US bank details.

How it works

Open an account. Sign up online with your email. The wallet is created when you first sign in.
Verify. Individuals pass an identity check with an ID card or passport and a selfie. Companies submit registration details and the identity of directors and owners. Verification is run by our licensed partner.
Copy your US details. The app shows the account number and routing number in your name.
Share them with the payer. Put them on your invoice or in the payout settings of the platform.
Receive USDC. The payment arrives in your wallet as USDC with 1.5% deducted.
Decide what to do next. Keep the USDC, send it to another xChange.bg client for free, send it to any external wallet for the network fee, or pay out to a bank in EUR or USD at 1.25%.

Fees

Action	Fee
Opening and keeping the account	Free, no monthly fee
USD in by ACH or wire, arriving as USDC	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
Sending USDC to an external wallet	Network fee only

Example. A client in the US pays your invoice of USD 8,000 by wire. The fee is USD 120, and 7,880 USDC arrive in your wallet. You later pay out 3,000 USDC to your Bulgarian bank in euros: the fee is USD 37.50, and the rest is converted at the rate the app shows before you confirm. The other 4,880 USDC stay in dollars. Check any amount with the stablecoin fee calculator or see the pricing page.

What to know before you use it

Check with the payer first. Most US companies can pay to US account details, but some platforms have their own rules about where they send payouts. Confirm that the payer accepts the details before you change your invoice.
Currency risk if you spend in euros. Your USDC keeps its dollar value. If you live on euros, the amount you get when you convert depends on the EUR/USD rate at that moment, which can be better or worse than on the day you were paid.
Not a bank deposit. USDC is a claim on Circle, backed by reserves, and is not covered by a deposit guarantee scheme. Its market price can move away from 1.00 for short periods under stress. See what a stablecoin is.
Your wallet, your responsibility. xChange.bg holds no keys and cannot freeze your balance. Protect your sign-in email, and check addresses and networks before sending on-chain.
Tax and paperwork. How your fees or sales are taxed depends on how you work, as a company, a sole trader or an individual, and this page does not cover it. Selling USDC for euros is itself a transaction with crypto-assets under Bulgarian tax law; see the crypto tax guide. This is not tax advice.
Who can open it. Individuals and companies resident in the EU/EEA, after verification and sanctions screening.

Frequently asked questions

Do I need a US company or a US address to get the USD account?: No. You can use the account as an individual or with your existing Bulgarian company. The US account details are issued in your own name, or your company's name, and clients and platforms abroad pay you directly.
Which US payment methods can I receive?: The USD account details work for ACH transfers and wires. These are the usual ways American companies and payment platforms send dollars to a US bank account, so for the payer it looks like a domestic payment.
What do I get when a client pays me USD 8,000?: The on-ramp fee is 1.5%, which is USD 120, so 7,880 USDC arrive in your wallet. There is no separate conversion step: the dollars become USDC at one to one, and the fee is the only deduction by xChange.bg.
Can I keep the money in dollars?: Yes. The balance stays as USDC until you decide what to do with it. You can hold it, send it to another wallet for the network fee, or convert only the part you need into euros with a payout to your bank.
How do I move the dollars to my Bulgarian bank in euros?: Create a payout in EUR to your own IBAN. The fee is 1.25% (minimum EUR 2) and you see it before you send. The app shows the amount in euros before you confirm, and payouts usually arrive the same day.
Is the USD account a US bank account?: No. The details are virtual account numbers provided by Bridge, a Stripe company, which runs fiat services for xChange.bg. Payments to them become USDC in your wallet. Bridge is not a bank, and the balance is not a bank deposit.
Can a US client pay me in USDC directly instead?: Yes. If the client already holds USDC, they can send it straight to your wallet address on a supported network. Receiving on-chain costs only the network fee, which the sender pays, and there is no 1.5% on-ramp fee.