One account for dollars and stablecoins.
A Universal Account takes US dollars by ACH, RTP, wire and SWIFT, and stablecoins on Ethereum, Base, Arbitrum and Avalanche, and on Solana and Tron, converted on the way in. Send from it to any bank, or to any wallet on Ethereum, Base, Arbitrum or Avalanche.
What you get
One sheet answers "how do you want to be paid?" Every bank rail and every payment address, ready to hand to whoever is paying you.
Universal Transfer Instructions
Acme Holdings Ltd.
Domestic ACH · RTP · wire
- Account number
- •••• 4821
- Routing number
- •••• 0210
International SWIFT
- SWIFT/BIC
- ••••US33
- Account number
- •••• 4821
Stablecoins one address per chain family
- Ethereum
- 0x7a3f…c91e
- Solana
- 9xQe…Wk2P
- Tron
- TLa2…8vHq
- Base
- 0x7a3f…c91e
- Arbitrum
- 0x7a3f…c91e
- Avalanche
- 0x7a3f…c91e
| Way to pay you | What the payer uses | Arrives in |
|---|---|---|
| Domestic (ACH, RTP, domestic wire) | Account and routing number | Seconds to two business days |
| International (SWIFT) | SWIFT/BIC and account number | One to four business days |
| Stablecoins | One address for Ethereum, Base, Arbitrum and Avalanche. Separate addresses for Solana and Tron, converted on the way in. | As soon as the network confirms |
In, and out
Pick a direction, then a rail or a network: what a payer uses to pay you, or what you need to pay someone, and what arrives.
Try it Switch between Receive and Send, then pick a rail.
Get paid by ACH
What the payer uses
- Account number
- •••• 4821
- Routing number
- •••• 0210
Arrives asUS dollars
From any US bank. The same account and routing number take ACH, RTP and domestic wires.
Universal Accounts are provided by 1Money USA, Inc. Mezzanine is a Referral Partner of 1Money.
What it sends
- To any bank account: US dollars by ACH, wire or SWIFT, anywhere the recipient banks.
- To any wallet or Safe on Ethereum, Base, Arbitrum or Avalanche: USDC, USDT, PYUSD and other stablecoins, straight to the address. Nothing to register first.
Every payment out goes through your approval rules first.
Who it's for
A company outside the US that needs to be paid in dollars and has no US bank to receive them. A team whose bank won't touch stablecoins. A foundation or fund that needs one set of coordinates per entity, each entity with its own account.
Beside your bank, not instead of it
Most companies run every payment through one bank. When that bank freezes an account, goes down or fails, the bills stop with it.
A Universal Account is a second set of US account details, from a different provider, with its own ways out: ACH, wire, SWIFT and stablecoins. Your contacts and your approval rules carry over, so paying from it works like any other payment.
Keep your bank in the workspace too, with Bank Account Upgrades, and move between the two with an Internal Transfer.
Opening one
Each entity opens its own account through a one-time business verification, reviewed by 1Money. Until it's approved, the ways to get paid show greyed out, so you can see exactly what opens when it does.
Universal Accounts are provided by 1Money USA, Inc. Mezzanine is a Referral Partner of 1Money.
