SIMPLE EASY TRANSACTIONS · SET WALLET & CASH-OUT · YOUR PERMANENT CASH-OUT ADDRESS
One permanent USDC address with SET Cash-Out to your US bank, in a SET Wallet you control.
SET Wallet & Cash-Out by Simple Easy Transactions gives you one permanent USDC address that pays your own US bank: your SET Cash-Out Address. Give it to whoever pays you, or send to it yourself: USDC on Base, Ethereum or Solana pays out automatically, converted and paid to your bank by ACH, with no SET fee on the cash-out. It comes with a SET Wallet only you control and its own US account and routing numbers, in your name. Send money from your bank, your payroll or your clients, and it lands in your wallet as USDC, USDT or PYUSD, with no exchange account and no manual purchase. Cash USDC out to your bank with SET Cash-Out whenever you need dollars. Free to open, and SET charges no fee on a deposit or a cash-out.
WHY SET WALLET & CASH-OUT
Why SET Wallet & Cash-Out
Your own US account number
Bridge issues US account and routing numbers in your name, shown in SET Wallet. Money you send to them from a bank arrives in your wallet as USDC, USDT or PYUSD.
Only you hold the keys
SET Wallet creates self-custodial wallets when you sign in with your email: only you can approve a send, and you can export each key. SET never holds your funds or your keys.
No SET fee on a deposit or a cash-out
Free to open. SET charges no percentage fee: no fee on a bank deposit or on a cash-out. Any exchange or network fee appears on your receipt.
Buy, hold and cash out in one place
Buy USDC and other stablecoins with a card through Stripe ($10 to $500), and cash USDC on Base, Ethereum or Solana out to your US bank by ACH or wire (2 USDC or more).
See it work: See wallet sign-up, funding and cash-out, step by step →
WHAT YOU CAN DO WITH A SET WALLET
What you can do with a SET wallet.
Six things you can do with it, and what each one does for you. Every one works in the wallet today.
For individuals
- Get paid by clients, then cash out to your bankGive a client your Base address for USDC, or the account number Bridge issues you in SET Wallet for a bank payment. Cash USDC on Base out to your US bank by ACH when you need dollars.One place to get paid and reach your bank, with no exchange account to open.
- Hold dollars as USDC in a wallet only you controlKeep part of your money as USDC in a SET Wallet whose keys only you can use. Every send needs your approval.Your balance is yours: SET never holds your funds or your keys.
- Receive bank transfers at your own account numberPayroll, savings or client payments sent to the US account and routing numbers Bridge issues you in SET Wallet arrive in your wallet as the stablecoin you chose.No manual purchase each time: the deposit itself is the purchase, and SET charges no fee on it.
For businesses
- Pay contractors and partners worldwide from one listPaste up to 50 recipients, approve each send, and SET confirms every payout on Base.One list instead of one transfer form per person. Free for up to 5 people a month, with no SET fee per payout.
- Keep one CSV for your booksEach batch downloads as one report: your reference, the recipient, the amount, the status and the transaction hash for every line.Less time matching payments by hand; the hash is a public record of each send.
- Accept USDC from customers and clientsShare your Base address and USDC arrives in your own wallet. Cash out to your US bank with SET Cash-Out when you need dollars.Easier to work with clients and contractors who already use USDC.
HOW IT WORKS
Four steps, done once.
Identity checks run on Bridge's secure hosted pages, and Bridge moves the money; SET never does. A deposit is recorded as delivered only after a signed notification arrives and the blockchain confirms it reached your wallet.
- 01
Sign in with your email
Enter the one-time code and SET Wallet creates your wallets: Ethereum-compatible, Solana and Bitcoin. Only you can approve a send, and you can export each key.
- 02
Verify your identity once
A one-time identity check, on secure hosted pages, covers deposits and cash-outs.
- 03
Get your account number
Choose the stablecoin and chain you want. Bridge issues US account and routing numbers in your name for ACH, wire and FedNow, shown in SET Wallet.
- 04
Deposit, hold, cash out
Every deposit arrives in your wallet as your chosen stablecoin. Cash USDC on Base out to your US bank by ACH whenever you need dollars.
STABLECOINS AND CHAINS
Pick the dollar stablecoin your apps already use.
Every option below is a supported route for US bank deposits, delivered to the matching wallet in your SET Wallet. You can change your choice later; each deposit arrives on the chain selected when it was sent.
| Stablecoin | Chains | Minimum per deposit |
|---|---|---|
| USDC | Base, Ethereum, Polygon, Arbitrum, Optimism, Avalanche or Solana | $1 |
| USDT | Ethereum or Solana | $20 |
| PYUSD | Ethereum or Solana | $1 |
AFTER YOU SIGN UP
After you sign up: your first five steps.
You don't need to verify your identity to start. Signing in gives you wallets you can receive into and pay from; verify once with Bridge when you want your own account number or a cash-out.
- Sign in with your emailEnter the one-time code. SET Wallet creates your wallets in the same step: Ethereum-compatible (this one is your Base address), Solana and Bitcoin.
- Copy your Base addressThe wallet lists it under Ethereum, Base, Polygon, Avalanche, with a Copy button. Anyone can send USDC on Base to it.
- Add moneyBuy USDC or ETH on Base with a card through Stripe (from $10), have USDC on Base sent to your address, or verify your identity once with Bridge for your own account number.
- Try something smallSend a 1.00 USDC payout to a colleague's Base address, keeping a little ETH on Base for the network fee, or cash out 2 USDC to your bank.
- Download your reportOpen the batch and choose Download report (CSV). Each line shows your reference, the amount, the status and the transaction hash.
DIRECT DEPOSIT IN USDC
Get your paycheck or client payments as USDC.
Give your employer or clients the US account and routing numbers Bridge issues in your name. Each ACH, wire or FedNow deposit arrives in your wallet as the stablecoin you chose, and SET charges no fee on the deposit. Your account number accepts payroll from businesses and payments from a registered business. Paying an overseas team in USDC yourself? That is SET Payouts.
CASH OUT A PRIVY WALLET
Cash out your SET Wallet to your bank with SET Cash-Out.
Every cash-out goes through your permanent SET Cash-Out Address: USDC on Base, Ethereum or Solana to your US bank by ACH or wire, 2 USDC or more at a time. Verify your identity once, link your bank account and get your address. To cash out what is already in your wallet, press Cash out from your wallet, enter an amount and approve a single send from your SET Wallet; it is converted to dollars and paid to your bank. A cash-out is recorded as paid only from a signed notification, never from the screen you were on. Read the cash-out guide, or every way to cash out USDC to USD. The same address takes USDC from whoever pays you, on Base, Ethereum or Solana. SET charges no fee on a cash-out.
STABLECOIN GLOBAL PAYOUTS
Pay contractors and partners anywhere in USDC, from one list.
Paste one recipient per line: a Base wallet address, an amount in USDC and, if you like, a private reference. SET checks every line before anything is recorded, then you approve each send in SET Wallet's own confirmation screen. Each payout is marked paid only after 3 confirmations on Base, and the batch downloads as one CSV report for your books. Up to 50 recipients per batch, at least 1.00 USDC each, with no maximum per payout or per batch. No SET fee per payout; your SET Payouts plan sets how many people you can pay each month: Free for up to 5, Starter $29 a month for 25, Growth $99 a month for 100. Each send pays a small Base network fee in ETH, which SET Wallet shows before you approve. See the SET Payouts plans.
Recipients need an address that accepts USDC on Base, not a SET wallet, and converting USDC to local currency is up to them; SET does not pay bank accounts in local currency. Sends are final, so a wrong address or a recipient on the wrong network can mean lost funds. Read the global USDC payouts guide.
BUY WITH A CARD
Buy crypto with a card through Stripe, straight to your wallet.
The wallet embeds Stripe's crypto onramp. Buy USDC and other stablecoins with a card, from $10 to $500 per purchase, delivered to your own SET Wallet with the destination locked to it. Stripe runs the identity check, quote, fees and payment as merchant of record, and decides eligibility; Stripe offers it only to users in the US, excluding New York. SET adds no fee to card purchases and never receives your payment.
WHAT IT COSTS
No SET fee on a deposit or a cash-out.
Free to open. SET charges no percentage fee: no fee on a bank deposit or on a cash-out from your Cash-Out Address. Any exchange or network fee appears on your receipt. Opening a wallet and getting your account number cost nothing, and holding or sending from your wallet carries no SET fee per transaction. Paying more than 5 people a month through Payouts needs a SET Payouts plan.
| You do this | SET's fee | Costs that are not SET's |
|---|---|---|
| Open SET Wallet and get your deposit details | None | None |
| Deposit from your bank | None | Any exchange or network fee appears on your receipt |
| Cash out USDC to your bank | None | A network fee on your send; any exchange fee appears on your receipt |
| Buy stablecoins with a card | None | Stripe's own fees |
OPEN YOUR PRIVATE WALLET
Sign in with your email to start.
SET Wallet runs on its own page at wallet.simpleeasytransactions.com. By continuing you agree to the Terms of Service and Privacy Policy, and to Bridge's terms on Bridge's pages. Free to open. SET charges no percentage fee: no fee on a bank deposit or on a cash-out from your Cash-Out Address. Any exchange or network fee appears on your receipt.
Bank accounts, conversion and payouts are provided by Bridge, not by SET, under its US money transmitter licenses.
QUESTIONS
What people ask before they open one.
What is SET Wallet & Cash-Out?
SET Wallet & Cash-Out by Simple Easy Transactions (named SET Private Wallets in SET's Terms) gives you one permanent USDC address that pays your own US bank: your SET Cash-Out Address. Whoever pays you sends USDC to it on Base, Ethereum or Solana, and it is converted and paid to your bank by ACH, with no SET fee on the cash-out. It comes with self-custodial wallets created when you sign in with your email, and your own US account and routing numbers, so money you send from a bank arrives in your wallet as USDC, USDT or PYUSD.
How much does it cost?
Opening SET Wallet and receiving your deposit details is free. SET charges no percentage fee: no fee on a bank deposit or on a cash-out. Any exchange or network fee appears on your receipt.
How do I cash out my SET Wallet to my bank account?
Open SET Wallet and go to Your Permanent Cash-Out Address. Verify your identity once, link your US bank account and get your permanent address. Then, under Cash out from your wallet, enter an amount of 2 USDC or more (or press Use all) and approve one send from your SET Wallet, on Base or Ethereum. It goes to your own permanent address, and Bridge converts it to dollars and pays your bank by ACH, or by wire from a wire address. SET charges no fee on the cash-out.
Which coins can I cash out?
USDC on Base, Ethereum or Solana, 2 USDC or more at a time, sent to your Cash-Out Address on that network; the wallet's own Cash out button sends from Base or Ethereum. If you plan to cash out, choose USDC on one of those networks for your bank deposits. Other stablecoins and chains can be received but are not cashed out directly today.
Can I buy crypto with a card in SET Wallet?
Yes. The wallet embeds Stripe's crypto onramp, so you can buy USDC and other stablecoins with a card, from $10 to $500 per purchase, delivered to your own SET Wallet. The destination is locked to your wallet. Stripe runs the identity check, quote, fees and payment as merchant of record, and decides eligibility; Stripe offers it only to users in the US, excluding New York. SET adds no fee to card purchases and never receives your payment.
Can I pay contractors abroad from SET Wallet?
Yes. Stablecoin Global Payouts send USDC on Base from your own wallet: up to 50 recipients per batch, at least 1.00 USDC each, with no maximum per payout or per batch. You paste a list of addresses and amounts, SET checks every line, and you approve each send in SET Wallet's confirmation screen. SET marks each payout paid after three confirmations on Base. SET Payouts is free for up to 5 people a month; Starter is $29 a month for 25 people and Growth $99 a month for 100.
What do my recipients need to receive a payout?
An address that accepts USDC on Base, from any wallet, exchange or swap service that supports it; they do not need a SET wallet. SET does not pay bank accounts in local currency: converting USDC is up to each recipient, through a wallet or exchange they choose. Sends are final, so confirm each address and its network before you pay.
What does a payout cost?
SET charges no fee per payout. The SET Payouts plan sets how many people you can pay each month: Free for up to 5, Starter $29 a month for 25, Growth $99 a month for 100. Each send pays a small Base network fee in ETH, which SET Wallet shows before you approve, so keep a little ETH on Base in the wallet. Funding the wallet carries no SET fee; a card purchase carries Stripe's own fees.
Can I get a report of my payouts?
Yes. Each batch downloads as a CSV with the line number, your private reference, the recipient address, the amount, the status, the transaction hash and a block explorer link. References stay in your browser and the CSV; SET's server stores only addresses and amounts.
Where do I sign in to SET Wallet?
At wallet.simpleeasytransactions.com, or in the wallet frame on simpleeasytransactions.com/wallets. Both open the same wallet with the same email sign-in.
Who holds my money?
You do. SET Wallet is self-custodial: keys are protected in secure enclaves and sharded so they are never stored whole, and only you can approve a transaction. Money moves between your bank and your wallet through Bridge. SET never holds your funds or your keys.
Which stablecoins and chains can I receive?
USDC on Base, Ethereum, Polygon, Arbitrum, Optimism, Avalanche or Solana; USDT on Ethereum or Solana; and PYUSD on Ethereum or Solana. The minimum is $1 per deposit for USDC and PYUSD and $20 for USDT. Bank deposits cannot arrive as Bitcoin.
Who can send money to my account number?
You can, from your own bank, fintech app or brokerage. Your account number also accepts payroll from businesses, payments from a registered business, payments from a family member who shares your surname, and person-to-person payments under $4,000. Third-party payments are not supported for New York or Texas.
Can I link my account number to another app or bank?
Yes, if that app or bank verifies it with small ACH deposits. Any deposit under $1 is treated as a verification attempt and does not become a deposit, and microdeposits can take up to 1 day to arrive. SET Wallet lists each verification deposit under Add money by bank transfer, including any amount taken back and the description that carries a 3-letter code, so you can enter them in the other app. You do not need to link the account to add money: send an ACH transfer or wire to your routing and account numbers from any bank that lets you enter them.
Who can open SET Wallet & Cash-Out?
US residents, except residents of New York. You verify your identity once before your deposit details are issued.
Is Simple Easy Transactions the same company as Stripe or its payments providers?
No. Simple Easy Transactions (SET) is a separate company, SET Enterprises, LLC of Nixa, Missouri. SET Wallet, SET Cash-Out, SET Direct Deposit, SET Payouts, the SET API, the SET Merchant API and SET Connect are SET's products, run under SET's own accounts with licensed providers. No provider endorses SET.
TOOLS
More from Simple Easy Transactions.
Every guide is in the Buyer's Guides.
PAYMENTS BY STRIPE
The Stripe documentation behind this page.
SET Connect, SET's payment builds and the card onramp in SET Wallet run on Stripe. Stripe's own documentation is the final word on how its part works. Links checked on .
Stripe
Payments, SET Connect and the card onramp in SET Wallet.
Simple Easy Transactions is a separate company from Stripe. It uses Stripe's services under its own account; Stripe does not endorse SET.