> ## 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.

# FAQ

> Frequently asked questions about Swish.

## General

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="What blockchain does Swish use?">
    Swish is built on Solana. All transactions are processed on the Solana blockchain.
  </Accordion>

  <Accordion title="What currency does Swish support?">
    Swish uses **USDC** — a stablecoin pegged to the US dollar.
  </Accordion>

  <Accordion title="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](/fees)). Withdrawals are gas-sponsored by Swish — completely free.
  </Accordion>

  <Accordion title="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](/privacy-protocols).
  </Accordion>
</AccordionGroup>

## Account & Wallet

<AccordionGroup>
  <Accordion title="How do I get started?">
    Go to [swish.cash](https://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.
  </Accordion>

  <Accordion title="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](/features/export-wallet) at any time. There is no Swish-held balance; the balance you see in the app is your wallet's own on-chain balance.
  </Accordion>

  <Accordion title="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](/features/export-wallet) at any time and use it anywhere else.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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](/features/export-wallet).
  </Accordion>
</AccordionGroup>

## Sending & Receiving

<AccordionGroup>
  <Accordion title="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](/privacy) and [Privacy Protocols](/privacy-protocols).
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="Can I cancel a request?">
    Yes. Open requests can be cancelled from the Activity tab on your profile page.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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](/privacy-protocols).
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>