Products · Swaps & OTC
Trade stablecoins and fiat, either way. Tight spreads, firm quotes.
Cash out USDC and USDT to USD, EUR, GBP or AED, buy stablecoins from your balances, swap USDT to USDC one for one, or move stablecoins across chains, all from your Align account. For large trades, a named account manager quotes tight spreads and a firm price.
USD · EUR · GBP · AED · USDC · USDT · EURC · Eight networks
New trade
Example
on
You receive · estimate
to- Route
- Stablecoins to a bank account
- Rate
- 1 USDC = 0.8953 EUR · example rate
- Fee
- Built into the rate
- Handled by
- The desk, or your account on request
01How it fits together
One account, four ways to move money.
Convert between stablecoins and your currency balances, swap USDC and USDT one for one, exchange dollars and euros on chain, and move stablecoins between networks.
Stablecoins ↔ fiat. USDC or USDT into USD, EUR, GBP or AED, and back again, at one quoted rate with Align's fee built in.On request
02What you can do
Cash out, buy, receive and build.
The everyday moves around your trades, each from the same account.
Cash out to a bankOn request
Turn USDC or USDT into USD, EUR, GBP or AED, paid into your balance or straight to a bank account.
Buy stablecoinsOn request
Buy USDC or USDT with any of your four balances, and EURC with euros.
Deposit on any network
Your account has a deposit address on each network it supports, and stablecoins sent to any of them arrive in one balance.
Four currencies, three stablecoins
Balances in USD, EUR, GBP and AED, with USDC, USDT and EURC across eight networks. More stablecoins are coming soon.
03The desk
Large trades, with a person on the other end.
Trades of $100,000 or more, between stablecoins and USD, EUR, GBP or AED or across chains, can go through the desk. Your account manager quotes tight spreads and a firm price, agrees timing and settlement before you trade, and handles what an app can't, like splitting one trade across several accounts or networks.
Align desk
ExampleA named account manager
One person who knows your account, by chat or phone.
Tight spreads, firm quotes
Competitive pricing on large trades between stablecoins and fiat. The amount you accept is the amount you receive.
Settlement agreed up front
Timing, accounts and networks are set before you trade, so your treasury team knows when funds arrive.
Confirmations on request
Ask for a trade confirmation and a CSV export for any desk trade, for your books.
04Records
Every trade, ready for your books.
Cash-outs, swaps, cross-chain moves and exchanges appear in your statement the way they were quoted: the amount out, the amount in and the rate. Swap fees are billed separately; conversion fees are built into the rate. Each stablecoin line matches a transaction on-chain.
Statements in PDF and CSV
Download them for any period and import the CSV into your accounting software.
A record for every trade
Rate, fee, order ID and the on-chain transaction hash, with a link to the block explorer.
Desk trade confirmations
A trade confirmation and a CSV export for any desk trade, on request.
Who can trade
Roles and approvals decide who can start a trade and who signs it off.
How Align is registered, and how your money is held, is on the Trust page.
05Questions
Swaps and OTC, answered
Can I convert stablecoins to USD, EUR, GBP or AED?
Yes, on request: trades between stablecoins and your currency balances are switched on for your account when you ask. Then you can convert USDC, USDT or EURC into your USD, EUR, GBP or AED balance, or pay out straight to a bank account, and buy stablecoins from your balances the same way. Each conversion uses one quoted rate with Align's fee built in, so there's no separate charge, and you see the rate before you confirm.
Is USDT to USDC really one for one?
Yes. A dollar stablecoin swaps for the same amount of the other: 250,000 USDT becomes 250,000 USDC. Align's fee is billed separately, never taken out of the swap, so the full amount arrives.
What does a cross-chain transfer cost?
The quote shows Align's fee before you confirm. The amount you send arrives in full on the other network.
How is the rate for EURC to USDC set?
From the euro to dollar exchange rate when you ask for the quote. The exchange happens on chain, at tight spreads, and the rate holds once you accept it. Align's fee is shown in the quote before you confirm.
When should I use the desk instead of the app?
For trades of $100,000 or more, between stablecoins and fiat or across chains, or when a trade needs special handling: settlement at an agreed time, or one trade split across several accounts or networks. Your account manager quotes tight spreads and a firm price before you trade.
How long does a trade take?
It depends on the networks involved. You can follow each trade's status in your account until it completes. Desk trades settle at the time you agree with your account manager.
What records do I get for my accounts?
Every trade, including cash-outs to your balances, appears in your statement with the amount out, the amount in and the rate, and has its own record with the order ID and on-chain transaction hash. Swap fees are billed separately; conversion fees are built into the rate. Statements download as PDF or CSV. For desk trades, a trade confirmation and a CSV export are available on request.
Which currencies, stablecoins and networks are supported?
Balances in USD, EUR, GBP and AED, and USDC, USDT and EURC on Solana, Ethereum, Base, Polygon, Arbitrum, Optimism, Avalanche and Tron. Not every coin is on every network: USDC isn't on Tron, USDT isn't on Base or Avalanche, and EURC is on Base and Solana. EURC is bought with euros. More stablecoins are coming soon.
Can I offer this to my own customers?
Yes, through the Align API. A quote returns the rate and the fee as separate fields, and you can add your own fee on top. See Swaps & OTC for developers.
06 · Get started
Trade stablecoins and fiat at tight spreads.
Open an account to convert, swap and move stablecoins in the app, or talk to the desk about a large trade.