Fiat currency · USD

US Dollar on U.CASH

The US dollar is the settlement currency of world trade and the deepest fiat rail set on U.CASH: ACH, domestic wire, and the U.S. payment apps all clear in dollars, and every card processor supports it.

Rails settle it at checkout; pegged tokens settle it on-chain. Both live on the same non-custodial U.CASH checkout.

US Dollar at a glance

Code
USD
Symbol
$
Local rail
ACH
Pegged tokens
10

Rails that settle USD

Dollar checkouts can offer ACH, domestic wire, X Money, Cash App, Venmo, and Zelle for domestic buyers, SWIFT for international ones, and cards through your own Stripe, Verifone, or PayPal account.

ACH

United States. Manual rail, no processor account.

X Money

United States. Manual rail, no processor account.

Cash App

United States. Automatic and manual flows.

Venmo

United States. Manual rail, no processor account.

Zelle

United States. Manual rail, no processor account.

Domestic Wire

United States. Manual rail, no processor account.

SWIFT

International. Manual rail, no processor account.

Stripe

Worldwide. Card processing via your own account.

Verifone (2Checkout)

Worldwide. Card processing via your own account.

PayPal

Worldwide. Card processing via your own account.

Pegged tokens on U.CASH

The dollar is also the best-covered currency on-chain: USDT, USDC, DAI, PYUSD, FDUSD, USDP, RLUSD, USDe, USyC, and USDQ all track it, so a dollar checkout can settle to a stablecoin and back with no FX step.

Tether

Tether (USDT)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

USD Coin

USD Coin (USDC)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

Dai

Dai (DAI)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

PayPal USD

PayPal USD (PYUSD)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

First Digital USD

First Digital USD (FDUSD)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

Pax Dollar

Pax Dollar (USDP)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

Ripple USD

Ripple USD (RLUSD)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

Ethena USDe

Ethena USDe (USDe)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

USYC

USYC (USYC)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

Quantoz USDQ

Quantoz USDQ (USDQ)

Pegged 1:1 to the us dollar. Accept it, swap it, hold it non-custodially.

How to accept USD at checkout

Step 01

Open a checkout

A store, a payment link, or an embedded checkout on U.CASH Pay lists what buyers can pay with. For US Dollar, that includes the ACH rail alongside card processing.

Step 02

Set your prices in USD

Your prices stay denominated in US Dollar. The checkout derives the crypto amount live at payment time when a buyer pays with a digital asset, and the USD figure is what your ledger reconciles against.

Step 03

Get paid

Buyers in the rail's reach settle through ACH, and buyers paying the USD-pegged token settle on-chain to your wallet. Each payment arrives with its reference and transaction detail in the record.

Step 04

Settle your way

Hold receipts, convert them on a schedule, or pay out through the rails that reach your bank. Nothing about the currency choice locks the treasury path.

The USD rails compared

Reach, flow mode, and what each rail asks of the buyer, from the rail registry.

Bank
ACH · 1 country · Manual flows · Reference per order. U.CASH charges nothing on the ACH rail. Senders pay whatever their bank charges for ACH, which at most U.S. i…
Bank
X Money · 1 country · Manual flows · Reference per order. U.CASH adds no fee on the X Money rail. The X app's own transfer fees, if any, are shown to the buyer inside…
Bank
Cash App · 1 country · Automatic and manual flows · Reference per order. The manual $cashtag rail is free on U.CASH. The automatic Cash App Pay flow prices per transaction and is sho…
Bank
Venmo · 1 country · Manual flows · Reference per order. U.CASH charges nothing on the Venmo rail. Venmo's own fees, if any, are shown to the buyer inside the app bef…
Bank
Zelle · 1 country · Manual flows · Reference per order. U.CASH charges nothing on the Zelle rail, and neither do the participating banks. Delivery between enrolled Z…
Bank
Domestic Wire · 1 country · Manual flows · Reference per order. U.CASH charges nothing on the wire rail. Senders typically pay 15 to 35 dollars at their bank, which is why b…
Bank
SWIFT · Global by nature · Manual flows · Reference per order. U.CASH charges nothing on the SWIFT rail. Sender and intermediary banks take their own fees, which vary by co…
Card
Stripe · Global by nature · Automatic flows · Not required. U.CASH charges nothing on top: you pay Stripe's processing fees, and Stripe's payout schedule applies. Connec…
Card
Verifone (2Checkout) · Global by nature · Automatic flows · Not required. U.CASH charges nothing on top: you pay Verifone's processing fees on your own account terms, and Verifone's p…
Card
PayPal · Global by nature · Automatic flows · Not required. U.CASH charges nothing on top: you pay PayPal's commercial fees on your own account, and payouts follow your…
Bank
SWIFT · Essentially every banking system · For corridors the local rails do not cover

A practical composition for a US Dollar merchant: the local rail wins domestic transactions on cost and speed, cards cover the buyers who reach for plastic, and the USD peg family carries cross-border settlement without correspondent banks. Offer all of them from one checkout and let each payment find its natural path; the invoice stays in USD whichever leg carries it.

The on-chain alternative

10 USD-pegged tokens trade on U.CASH: USDT, USDC, DAI, PYUSD, FDUSD, USDP, RLUSD, USDe, USYC, USDQ. They settle as standard tokens on their chains, so a US Dollar receipt can arrive on-chain without any bank in the loop, and the peg holds the token and the currency equivalent for accounting. Deeper families also give checkout redundancy: any member serves a USD corridor.

Where it settles

Countries served by the US Dollar rails on U.CASH.

United States

US Dollar: FAQ

Can I accept US dollar payments without a processor account?
Yes. The ACH, wire, and payment-app rails need only your bank coordinates or app handle; buyers send the dollars direct and you match the payment reference.
Which stablecoin should a USD checkout settle to?
USDT and USDC are the deepest pairs on the swap; PYUSD, FDUSD, USDP, RLUSD, USyC, and USDQ are issuer-backed alternatives. All of them track the dollar 1:1.
How do I price USD when buyers pay crypto?
Price in US Dollar and let the checkout derive: the invoice carries the USD figure, the buyer's wallet sees the crypto equivalent at live rates, and your ledger reconciles against the USD denomination. The currency of record never changes.
Should I hold the USD peg or convert out on receipt?
Holding the pegged token keeps the exposure in US Dollar terms, which suits a business whose costs are in US Dollar. Converting on receipt into your operating currency removes the exposure at the cost of the conversion fee. Both are checkout settings, changeable anytime.
Get started

USD, rails and chains

Bank rails for the checkout, pegged tokens for on-chain settlement, one non-custodial platform.