Euros to stablecoins, and back
Fund your balance with a SEPA transfer from any euro account, spend it anywhere Visa works, and withdraw euros to your IBAN when you want out.
USDC, USDT, DAI and PYUSD, on 10+ blockchains.
On-ramp
Deposit euros from any SEPA bank
Send a normal SEPA credit transfer from your bank. Where your bank supports SEPA Instant the money lands in under a minute; a standard transfer usually arrives the next business day.
- Verify your identity in the Wayex app. Once is enough.
- Copy your deposit details from the app and send a SEPA transfer from your bank.
- Hold the balance, spend it with the card, or convert it into USDC, USDT, DAI or PYUSD.
Off-ramp
Withdraw euros to your IBAN
Deposit stablecoins on any supported chain and withdraw euros to any IBAN in the SEPA area, which covers 36 countries. The conversion out of USD happens at the rate you see before confirming.
- Deposit USDC, USDT, DAI or PYUSD on any of 10+ chains, or use your existing balance.
- Request a EUR withdrawal and enter your IBAN.
- Receive euros by SEPA, often the same day.
Settlement speed
- SEPA Instant
- Under a minute, where banks support it
- Standard SEPA
- Usually the next business day
Times depend on your bank and on compliance checks. Transfers between SEPA countries behave the same as domestic ones.
What it costs
Wayex does not charge a EUR deposit fee. Euros convert into your USD balance at the rate shown in the app before you confirm. USDT deposits carry a 0.1% fee; USDC, DAI and PYUSD deposits carry none.
USDT
USDC
DAI
PYUSDA dollar balance for euro earners
Your Wayex balance is held in USD. If you earn in euros but want to hold dollars, SEPA is the bridge: deposit euros, hold USD, and come back to euros whenever you choose. You do not need a US bank account for any of it.
Common questions
Other currencies
US dollar
British pound
Brazilian real
Mexican pesoReady when you are
Download Wayex, verify your identity once, and move between EUR and stablecoins from a single balance.