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USD Banking for Indian Businesses USD Banking
for Indian Businesses

Get paid via ACH/Wire locally. Hold indefinitely. Convert to INR at your timing via stablecoin rails or SWIFT.

Join 1,200+ freelancers

Take control of your global earnings

Receive payments in USD, choose when to convert, and access INR faster with better rates and full control.

Account Details

Share with clients to receive USD payments

Bank Name

Lead Bank

Account Type

Checking Account

Account Number

217822215452

Routing Number (ACH)

101019644

Account Address

1234 Market Street, Suite 567, San Francisco, CA 94103

Account Type

Checking Account

SWIFT/BIC (for wire transfers)

EVOLVEUS44

Get paid like a US business

Receive payments in USD using your own US account and hold dollars without forced conversion or unnecessary fees.

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You decide when to convert

Track exchange rates and convert only when it works for you, maximizing earnings instead of losing money to timing.

~5% savings

Other Providers

Convert with minimal fees

Convert USD to INR at better rates with transparent fees, so you keep more of your hard earned money.

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Sent ₹8,03,500 to HDFC Bank

₹96.23 per USD

Expected in under 15 minutes...

Expected in under 15 minutes...

Get INR in minutes

Withdraw INR to your bank account in minutes instead of waiting days, improving cash flow and financial flexibility.

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The rupee fell 8% last year and our bank auto-converted every dollar we earned. We built Swad so that never happens again.

Subah Wadhwani

Co-founder, Swad

FAQs

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How do I receive USD payments?

You get a US bank account with a routing number and account number. Your clients pay via ACH or domestic wire, which is the same as paying any US vendor for them.

How do I convert to INR?

You initiate a conversion from your Swad dashboard whenever you're ready, or when you think the rates are good. Funds are converted and sent to your Indian bank account via stablecoin rails or SWIFT - you choose.

Can I choose when to convert?

Yes. Your USD sits in your account until you decide to move it. There's no forced conversion. Hold for a day, a week, or months. It’s 100% compliant with stablecoin rails.

How fast are payouts to my Indian bank account?

Stablecoin rails: under 15 minutes. SWIFT: 1-2 days. You can choose either.

Do I get FIRCs?

Your bank will generate FIRCs/FIRAs when you choose to convert via SWIFT. When choosing stablecoin rails, FIRCs cannot be generated.

How is this different from Wise/Payoneer/Skydo?

Wise, Payoneer, and Skydo convert your USD automatically. Swad gives Indian businesses a USD account with full hold-and-convert flexibility with no US entity required.

Why not just use a regular Indian bank account?

You can. But your bank will convert your USD to INR the moment it arrives. INR fell more than 8% to USD last year. Your choice.