In 2027, a business that wants USD from a bank account turned into USDC can use Bancoli as an on-ramp and as a receive path.
With Bancoli, approved businesses get named USD details. ACH and RTP payments arrive as supported stablecoins in your Smart USD Wallet and convert 1:1. They can arrive as USDC, and you pick the supported stablecoin (USDC, USDT or USDi). You can also buy USDC with USD by sending it by ACH or RTP from your own business bank account to your named USD details and choosing USDC. Receiving an ACH or RTP payment costs $2 on Free, $1 on Plus, and it is free on Premium. Enterprise pricing is custom. You control your funds. Banking services are provided through an affiliated chartered bank.
Guides read 2026-11-09 from FAX, Tangem, Send and Spark describe buy or bank funding flows. None named Bancoli. Start at bancoli.com/stablecoins-us-bank-details and confirm eligibility in your dashboard.
You have dollars sitting in your company’s bank account. You want some of them as USDC, the digital dollar many suppliers, contractors and partners now ask for. Most guides on this topic are written for one person buying crypto on a phone. This one is written for a business. It explains the bank route with Bancoli first, then the route where clients pay you, and then how other providers compare.
Buy USDC with USD by ACH or RTP to named USD details
This is the simplest way to think about it. Bancoli gives your business a set of US bank details in your company’s name. Anything sent to those details by ACH or RTP lands in your Smart USD Wallet as a supported stablecoin. So when you want USDC, you send USD from your own business bank account to those details and choose USDC.
Step by step:
- Apply and verify your business. Bancoli gives named USD details to approved businesses after the application and business checks. Access depends on your business and location. The eligibility page lists what you need.
- Get your named USD details. Per the Bancoli pricing page, named USD account details in your business’s legal name are available on every plan, including Free, once verified.
- Choose USDC. Your Smart USD Wallet supports USDC, USDT and USDi. For this job, you choose USDC.
- Send USD from your own bank. From your company’s own business bank account, send USD by ACH or RTP to your named USD details.
- The payment converts 1:1. ACH and RTP payments convert 1:1 to the supported stablecoin of your Smart USD Wallet. The receive fee for your plan applies to the incoming payment.
What it costs: money sent to your named USD details is an incoming ACH or RTP payment, so the receive fee on the pricing page applies. That is $2 on Free and $1 on Plus, and it is free on Premium. Enterprise pricing is custom. This guide quotes only the receive fee from the pricing page.
Who holds the USDC: you do. The Smart USD Wallet is self-custodial. You control your funds. Bancoli does not own or control them. Banking services are provided through an affiliated chartered bank.
Some plain tips before you send:
- Use your company’s own account. This path is your business funding its own wallet. Keep it that way, so your records stay clean.
- Look at your dashboard first. What you can do depends on your approval, your plan and your location.
- Keep a simple record. Write down the date, the amount sent and the USDC that arrived. Your accountant will thank you.
The receive path: a client, a payer or your own bank funds the same details
The same named USD details do a second job. They let other people pay you.
- A client pays an invoice. Your US client sends USD by ACH or RTP, the way they pay any US supplier. Your client does not need crypto. The payment converts to a supported stablecoin in your Smart USD Wallet.
- Another payer sends money. A payer who sends USD by ACH or RTP to the same details works the same way.
- Your own bank funds your wallet. Businesses can fund their own Smart USD Wallet from their own bank account. That is the buy path above.
Which coin arrives? A payment can arrive as USDC. You pick the supported stablecoin: USDC, USDT or USDi. Bancoli supports USDT on Ethereum only, and only when your account shows that token and network. The Bancoli help article on USDT explains the steps.
After the money arrives, you can hold the stablecoins in your Smart USD Wallet, or use Bancoli payment services such as local currency payouts. FX is free in 25+ currencies on local payouts. Our guide to getting paid in USDC and paying suppliers in local currency shows the full flow, and the guide to the best way to receive ACH as USDC goes deeper on client payments.
Dated comparison: other ways to move USD from a bank into USDC
Most of the top results for this search are guides from consumer apps. They are useful, but they answer a different question. We read each official page on November 9, 2026. Check each page before you choose, because features and prices change.
| Provider | How USD gets in | What arrives | Fee named on the page we read | Who it is built for |
|---|---|---|---|---|
| Bancoli | Your business sends USD by ACH or RTP from its own bank account to its named USD details, or a client pays those details | USDC if you choose it, or another supported stablecoin you pick (USDT, USDi), 1:1 | Receive ACH or RTP: $2 Free, $1 Plus, free on Premium, custom Enterprise | Businesses that buy USDC for treasury and also get paid by US clients |
| FAX | Link your bank with Plaid, FAX starts an ACH pull from your account | USDC in your own self-custody FAX wallet | Not listed for ACH on the page we read | People funding a personal wallet |
| Tangem | Send USD by ACH or Fedwire from a US bank to Tangem Pay, in selected countries | USD credited 1:1 as USDC on Polygon | Basic plan: ACH $1, Fedwire $11, taken from the amount received. Plus plan: no transfer fee | People who use the Tangem wallet and card |
| Send | Connect a bank for ACH, or wire to the details Send shows, after identity checks | 1 USD = 1 USDC in your Send balance | Send says it charges nothing for bank transfers, and your bank may charge for wires | Individual users of the Send app |
| Spark | A comparison tool, not a provider | Compares card and bank transfer on-ramps | Third-party figures, so we do not repeat them here | Readers comparing providers |
Sources, read November 9, 2026: Bancoli pricing, Bancoli stablecoins with US bank details, FAX guide, Tangem guide, Tangem fees, Send support, Spark comparison.
On timing, FAX says USDC arrives within 1 to 3 business days by ACH, and Send says ACH takes 1 to 3 business days. Those are their figures, for their apps. Tangem says the route is available in selected countries and checks your region at signup.
What this means for a business:
- Consumer apps are built for one person. Send asks for a government ID and a selfie, and says the bank account must be in your own name. That fits a person, not a company treasury.
- A business route uses business details. With Bancoli, the bank details are in your company’s name, and your company’s own bank account sends the USD.
- One place for both jobs. The same named USD details let you buy USDC and get paid by clients. You do not need a second app for each job.
One more tip: if you later pay suppliers in local currency, always compare the exchange rate each provider applies. If you are comparing buy tools you would embed inside your own product, such as MoonPay, Transak or Coinbase Onramp, see our guide to the best stablecoin on-ramp for business.
Receive fees by Bancoli plan
These numbers come from bancoli.com/pricing, read November 9, 2026. The same receive fee applies whether a client pays your named USD details or your own business bank account does.
| Plan | Monthly price | Receive an ACH or RTP payment |
|---|---|---|
| Free | No monthly membership fee | $2 |
| Plus | $29 a month, billed annually, waived with a $20,000 balance | $1 |
| Premium | $199 a month, billed annually, waived at a $250,000 balance | Free on Premium |
| Enterprise | Custom | Custom |
Every plan can accept USDC, USDi and USDT. Bancoli is available in 150+ countries.
A quick way to choose a plan: count how many incoming ACH or RTP payments you expect each month, including the ones you send yourself to buy USDC. Multiply by the receive fee for each plan, then add the monthly price. Pick the lowest total.
A simple example
This example is made up to show the steps. Leo runs a small software company with suppliers who ask for USDC.
- Leo’s company is approved and gets named USD details on the Free plan.
- He chooses USDC in his Smart USD Wallet.
- He sends $5,000 by ACH from the company’s own business bank account to the named USD details.
- The payment converts 1:1 to USDC. On Free, the receive fee for that payment is $2.
- The next week, a US client pays a $2,000 invoice by ACH to the same details. That is another incoming payment, with the same $2 receive fee on Free.
If Leo expects many incoming payments a month, he compares the totals on Plus and Premium before he picks a plan.
FAQ
What is the difference between buying USDC and receiving ACH as USDC?
Buying USDC with USD means your business sends USD by ACH or RTP from its own bank account to its named USD details and chooses USDC. Receiving means a client or payer sends USD to those details and the supported stablecoin you picked arrives.
Can I buy USDC with USD on Bancoli?
Yes. You can buy USDC with USD by sending it by ACH or RTP from your own business bank account to your named USD details and choosing USDC. Check your dashboard for what your account and plan allow.
What does it cost to buy USDC with USD through my named USD details?
The receive fee for your plan applies, because the money arrives as an incoming ACH or RTP payment. That is $2 on Free and $1 on Plus, and it is free on Premium. Enterprise pricing is custom.
Which stablecoin arrives when a client pays me?
A payment can arrive as USDC, and you pick the supported stablecoin. Bancoli supports USDC, USDT and USDi.
Can I use USDT?
Yes, on Ethereum only, and only when your account shows that token and network. The Bancoli help article on USDT explains the steps.
Who controls the USDC after it arrives?
You do. The Smart USD Wallet is self-custodial. You control your funds. Bancoli does not own or control them.
Want one place to buy USDC and get paid by US clients? See how the Smart USD Wallet works, or start at bancoli.com/stablecoins-us-bank-details.