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Exchange

Switch between euro and USDC with a keypad

Type an amount, read what you get roughly, and confirm. The screen tells you how old the rate is, and it never presents an estimate as the final figure.

  • The rate shows its age.
  • The estimate says “roughly”.
  • The final amount is set when the exchange settles.
  • The receipt shows the rate that was used.
The Exchange screen from euro to USDC: an amount typed on the keypad, the balance available above the keys, and a button that swaps the direction

What the exchange screen tells you before you slide

An exchange turns on a number that moves. The screen is plain about which parts are known and which are not yet.

  • How old the rate is

    Next to the rate, the screen says when it was last updated, so you know how fresh the figure is before you rely on it.

  • An estimate that says so

    What you receive is labelled “You get roughly”. It is worked out from the current rate and is not presented as the final figure.

  • A final amount set at settlement

    The exact amount is fixed when the exchange settles. Until then, the app says it is still settling, and the final figure appears in your activity.

  • A receipt with the rate used

    Once it settles, the receipt shows what was credited and the rate that was actually used, read back from the settled exchange rather than copied from the estimate.

  • An out-of-date rate stops the exchange

    If the rate has not refreshed recently, the screen warns you and closes the way forward. You refresh the rate yourself, so the figure never changes while you are reading it.

The exchange review: from euro, to USDC, what you get roughly, a note that the final amount is set when the exchange settles, and the slider to exchange

An exchange in three steps

  1. Enter the amount

    Choose the account the money leaves and the one it goes into, then type the amount on the keypad. One tap swaps which currency you give and which you get.

  2. Read the estimate

    Continue to see what you get roughly and how old the rate is. If the amount is below the smallest exchange allowed, the screen says so before you go any further.

  3. Slide and confirm

    Slide to exchange, then confirm it is you. Only then does money move between your accounts, and the receipt follows once the exchange settles.

Convert on arrival instead

If crypto reaches your account regularly, a standing order can convert it into euro as it comes in, without you opening Exchange each time. It runs when money arrives, not on a date, and you can pause it whenever you like.

How standing orders work
The Standing orders screen: a note that an order runs when money arrives, not on a date, and one active order that converts into euro

Questions about exchange

Why does it say “roughly”?

Because the amount is an estimate made from the current rate. Rates move, and the app does not show a guess as if it were final. The exact amount is known only when the exchange settles.

When is the final amount set?

When the exchange settles. Until then it shows as still settling, and the final figure appears in your activity. The receipt then shows what was credited and the rate that was used.

What if the rate is out of date?

The screen marks the rate as out of date and stops the exchange from going ahead. Refresh the rate, read the new estimate and decide again. Nothing is exchanged on a rate that is no longer current.

Which currencies can I exchange?

The ones you hold accounts in, as the Exchange screen lists them: euro and USDC in the preview shown here. An exchange needs two accounts in different currencies, and with only one the screen says so.

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