General
What is Swish?
What is Swish?
Swish is a privacy-focused payments app on Solana. It lets you send and receive USDC and SOL privately by routing transactions through the leading privacy protocols on Solana — Privacy Cash, MagicBlock, and Umbra.
What blockchain does Swish use?
What blockchain does Swish use?
Swish is built on Solana. All transactions are processed on the Solana blockchain.
What currency does Swish support?
What currency does Swish support?
Swish uses USDC — a stablecoin pegged to the US dollar.
Is Swish free to use?
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?
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 get started?
How do I get started?
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.
Does Swish hold my funds?
Does Swish hold my funds?
No. Swish is non-custodial — your funds stay in your own wallet and every transaction is signed by you. If you connected an external wallet, Swish uses the wallet you connected with. If you signed in with X, Swish creates an embedded wallet for you at sign-in whose private key you can export at any time. There is no Swish-held balance; the balance you see in the app is your wallet’s own on-chain balance.
What happens when I sign in with X?
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 its private key at any time and use it anywhere else.
Can I use Swish on web and mobile?
Can I use Swish on web and mobile?
Yes. Sign in with the same X account or wallet and you’re using the same wallet on both — same address, same balance.
Why do I need to sign a message after connecting?
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?
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
How private is sending?
How private is sending?
When you use Send, Request, or Send via Claim, Swish routes the transaction through one of three privacy protocols (Privacy Cash, MagicBlock, or Umbra). How much protection you get depends on which one routes the transaction — they make different trade-offs. See Privacy and Privacy Protocols.
Can I send to someone who doesn't have Swish?
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?
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?
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?
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?
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?
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.