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Private transactions (Send, Request, and Send via Claim) include a small fee charged by the Privacy Cash protocol — not by Swish. Withdrawals are free.

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Fee breakdown

Every private transaction is charged by the Privacy Cash protocol:
0.006 SOL (in USDC) + 0.35% of the amount
  • 0.006 SOL — converted to USDC using the live SOL/USD price from the Pyth Network
  • 0.35% — a percentage of the transaction amount for private routing
Example: Sending **100USDC∗∗(assumingSOLat 100 USDC** (assuming SOL at ~120):
Base fee (0.006 SOL)~$0.72 USDC
Routing fee (0.35%)$0.35 USDC
Total Fee~$1.07 USDC
They Receive~$98.93 USDC

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Withdrawals

Withdrawals are free. Swish sponsors the gas fee for all withdrawals. Note that withdrawals are not private — they’re standard USDC transfers on Solana.

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Where fees are shown

Every transaction modal shows a complete fee breakdown before you confirm, including the exact amount the recipient will receive after fees. You always know what you’re paying before you approve.