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Documentation Index

Fetch the complete documentation index at: https://docs.swish.cash/llms.txt

Use this file to discover all available pages before exploring further.

Swish itself charges nothing. What you pay is the fee charged by whichever privacy protocol routes your transaction. Withdrawals are gas-sponsored by Swish — completely free.

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Per-protocol fees

ProtocolFee
Privacy Cash~$0.71 + 0.35% of the amount
MagicBlockGas only (~free)
Umbra0.7% of the amount (charged on claim)
The base Privacy Cash fee is 0.006 SOL converted to USDC at the live SOL/USD price (via the Pyth Network).

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Auto route

When you use the default Auto picker, Swish picks the cheapest viable protocol. Typically:
  • MagicBlock — for sends to recipients who aren’t on Umbra (gas only)
  • Umbra — when both sender and recipient are Umbra-registered (0.7%)
  • Privacy Cash — final fallback if neither is available

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Where fees are shown

Every transaction modal shows a complete fee breakdown before you confirm — including the exact amount the recipient receives after fees and which protocol the transaction is routed through. You always know what you’re paying before you approve.

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Withdrawals

Withdrawals are free. Swish sponsors the gas fee for all withdrawals. Note that withdrawals are not private — they’re standard USDC transfers on Solana.