Move between US dollars and stablecoins
Deposit USD by ACH, FedNow or wire and it lands as one spendable balance. Cash out USDT or USDC back to your bank when you need dollars in hand.
USDC, USDT, DAI and PYUSD, on 10+ blockchains.
On-ramp
Fund your balance by ACH or wire
Send dollars from your US bank account the way you already pay bills. ACH suits regular top-ups, FedNow settles in seconds where your bank offers it, and wires carry higher limits when you are moving a larger amount.
- Verify your identity in the Wayex app. You only do this once.
- Open Add funds, choose ACH, FedNow or wire, and send the transfer from your bank.
- Your dollars arrive in a USD balance you can spend with the card or convert into USDC, USDT, DAI or PYUSD.
Off-ramp
Cash out stablecoins to your US bank account
Your balance is already denominated in dollars, so cashing out is a withdrawal rather than a trade. There is no spread to time and no P2P counterparty to vet.
- Deposit USDC, USDT, DAI or PYUSD on any of 10+ chains, or start from the balance you already hold.
- Request a withdrawal to your linked US bank account.
- Receive dollars by ACH or FedNow, or by wire for larger amounts.
Settlement speed
- ACH
- Typically 1 to 3 business days
- FedNow
- Usually seconds, at participating banks
- Wire
- Often same day, before bank cutoff
Settlement depends on your bank and on compliance checks, so these times are typical rather than guaranteed.
What it costs
USD transactions carry zero Wayex fees, and there is no FX conversion because the balance itself is held in dollars. One exception worth knowing: USDT deposits carry a 0.1% fee. USDC, DAI and PYUSD deposits do not.
USDT
USDC
DAI
PYUSDOne balance instead of five apps
Whatever you deposit, dollars or stablecoins, lands in the same USD balance. Spend it with a Visa card in 160+ countries, send it on-chain in the stablecoin of your choice, or bring it back to your bank. You never juggle separate crypto and cash balances.
Common questions
Other currencies
Euro
British pound
Brazilian real
Mexican pesoReady when you are
Download Wayex, verify your identity once, and move between USD and stablecoins from a single balance.