Receive ACH payments from U.S. clients. Withdraw to on-chain USDC on 4 chains. No monthly fee. No minimum balance. Verification required.
Apply entirely online. No branch visit, no document uploads. Identity verified in under 60 seconds via Didit.
Get a dedicated USD account with ACH routing details. Receive payments from U.S. clients via ACH.
$0/month. No minimum balance. No per-transaction fee on inbound ACH payments. Transparent FX for international payouts.
Withdraw to USDC on Ethereum, Polygon, Base, or Solana. Network fee only (~$1–3). No wire fees.
See what you save vs. traditional banks and other fintechs
| Feature | 1TCH | Traditional bank | Other fintech |
|---|---|---|---|
| Monthly fee | $0 | $15–$30 | $0–$20 |
| ACH receiving | Free | Free | Free |
| Wire transfer cost | Network fee (~$1–3) | $20–$35 | $10–$25 |
| KYC speed | < 60 seconds | 1–2 weeks | 1–3 days |
| Crypto payouts | USDC (4 chains) | No | No |
| Minimum balance | None | $1,000+ | None |
| EIN required | Yes | Yes | Yes |
Answer 7 quick questions about your business. Takes 2 minutes.
Create your account and complete identity verification. KYC approved in under 60 seconds via Didit.
Get your USD account with ACH details. Share with clients. Receive payments.
A U.S. business paying $10,000/month to contractors via wire and receiving international payments loses $250+/month to wire fees and FX markups at a traditional bank. With 1TCH, ACH is free and on-chain USDC payouts cost ~$1–3 per transaction.
U.S.-registered businesses (LLC, Corporation, Sole proprietor, Partnership) with an EIN and a U.S. physical address. Certain industries are not supported. Complete the eligibility check to see if you qualify.
No. $0/month, no setup fee, no minimum balance, no per-transaction fee on inbound ACH payments. You only pay network costs (~$1–3) when withdrawing as on-chain USDC.
Under 60 seconds for identity verification. Our Didit-powered KYC verifies your government ID instantly through your phone camera — no document uploads, no video calls, no branch visit.
Yes. You get a dedicated USD account with ACH routing and account numbers. Your U.S. clients can pay you via ACH transfer with no fees on your end.
No. 1TCH is a financial technology company. Banking services and money movement are provided by Bridge.xyz, a regulated money services business. Customer funds are safeguarded in compliance with applicable regulations.
Your EIN, a U.S. physical address for your business, and a government-issued ID for identity verification. The eligibility check will confirm you meet the basic requirements before you start.
1TCH is a financial technology company, not a bank. Banking services and money movement are provided by Bridge.xyz, a regulated money services business. Customer funds are safeguarded in compliance with applicable regulations. Eligibility requirements apply. Verification is required for all accounts.
Check eligibility in 2 minutes. No monthly fee. No minimum balance.