FAQ

Frequently asked questions about Swish.

General

What is Swish?

Swish is a privacy-focused payments app on Solana. It lets you send and receive USDC privately by routing transactions through the leading privacy protocols on Solana — Privacy Cash, MagicBlock, and Umbra.

What blockchain does Swish use?

Swish is built on Solana. All transactions are processed on the Solana blockchain.

What currency does Swish support?

Swish uses USDC — a stablecoin pegged to the US dollar.

Is Swish free to use?

Swish itself charges no fee. What you pay is the fee charged by whichever privacy protocol routes your transaction (see Fees). Withdrawals are gas-sponsored by Swish — completely free.

Which privacy protocol does Swish use?

Swish doesn’t have one — it aggregates across three: Privacy Cash, MagicBlock, and Umbra. By default, Swish picks the cheapest viable route for each transaction. You can override this from the picker on any send. See Privacy Protocols.

Account & Wallet

How do I create an account?

Go to swish.cash and click Connect Wallet. You can sign in with a Solana wallet (Phantom, Solflare, Seeker wallet, etc.) or with your X (Twitter) account.

What happens when I sign in with X?

Swish automatically creates an embedded Solana wallet for you. You don’t need to install any wallet app. You can export your wallet at any time.

Can I use the same account on web and mobile?

Yes. If you sign in with the same X account or wallet, you’ll access the same Swish account and balance on both platforms.

Why do I need to sign a message after connecting?

The session signature is used to derive encryption keys for your private transactions. It’s not a transaction and costs nothing.

Can I export my wallet?

If you signed in with X, you can export your embedded wallet’s private key from the web app. Go to Profile → Wallet → Export. See Export Wallet.

Sending & Receiving

Is sending really private?

Yes. When you use Send, Request, or Send via Claim, Swish routes the transaction through one of three privacy protocols (Privacy Cash, MagicBlock, or Umbra), which break the on-chain link between sender and receiver. See Privacy.

Can I send to someone who doesn't have Swish?

You can send to any Solana wallet address, even if they don’t use Swish. For people without a wallet, use Send via Claim to generate a link they can claim after creating an account.

What's the difference between Send and Send via Claim?

Send transfers USDC directly to a wallet address or X handle. Send via Claim generates a link with a passphrase — the recipient claims the funds by entering the passphrase. Use Send via Claim when you don’t know the recipient’s address.

Can I cancel a request?

Yes. Open requests can be cancelled from the Activity tab on your profile page.

Can I reclaim funds from a Send via Claim link?

Yes, as long as the funds haven’t been claimed yet. Open the claim link and tap Reclaim to return the funds to your wallet.

What's Umbra and should I enable it?

Umbra is one of the three privacy protocols Swish routes through, but it requires both sender and recipient to be registered. Enabling Umbra in your profile (~$0.60 one-time setup) lets others send you funds via Umbra’s ZK shielded pool — the strongest privacy option. It’s optional. See Privacy Protocols.

Are withdrawals private?

No. Withdrawals are standard USDC transfers on Solana — both addresses are visible on-chain. However, the gas fee is sponsored by Swish, so withdrawals are free.