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Send via Claim lets you send USDC by generating a link and a passphrase. Share the link with anyone — they claim the funds by entering the passphrase. No wallet address exchange needed.

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How it works

  1. Enter the amount on the home screen
  2. Tap Send
  3. Instead of entering a recipient, tap Generate a claim link
  4. Optionally add a message (up to 50 characters)
  5. Review the fee breakdown
  6. Tap Proceed and approve the transaction
  7. Copy the claim link and passphrase
The passphrase is required to claim the funds. It is generated with the claim and never stored anywhere.
After creating the claim, you’ll get:
  • A claim link (e.g., swish.cash/c/...)
  • A passphrase (a secret string needed to claim)
When you tap Copy Claim Link, both the link and passphrase are copied together. You can then share them however you’d like — DM, text, email, etc.

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How the recipient claims

  1. Open the claim link
  2. Sign into Swish (if not already)
  3. Enter the passphrase
  4. Tap Proceed
  5. Funds are transferred to their wallet

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Reclaiming funds

Changed your mind? If the funds haven’t been claimed yet, you can reclaim them:
  1. Go to the claim link (or find it in your Activity tab)
  2. Tap Reclaim
  3. The funds are returned to your wallet
Once claimed by someone else, reclaim is no longer available.

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Fee breakdown

Fees are charged by the Privacy Cash protocol, not by Swish:
0.006 SOL (in USDC) + 0.35% of the amount
The “They Receive” line shows what the recipient gets after fees. See Fees for more details.

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When to use Send via Claim

  • You don’t know the recipient’s wallet address
  • You want to send money without asking for an address
  • You want an extra layer of security with the passphrase