Bridge USDC from Polygon to Base, then cash out.
Polygon PoS USDC is a different token contract than native Base USDC and has to be moved over. To cash out, you bridge it to Base first, then sell. The app's Bridge tab moves USDC to Base over Circle CCTP, and the sell flow takes over from there.
Why bridge Polygon USDC to Base
USDCtoFiat reads and settles native, Circle-issued USDC on Base. Polygon PoS USDC is a different token contract than native Base USDC and has to be moved over. The token denomination matters: the sell flow custodies native Base USDC in the escrow contract, so USDC on another chain has to land on Base first.
Bridging keeps the asset as canonical Circle USDC rather than a wrapped representation, which is why the app routes through Circle CCTP instead of a third-party wrapper.
From Polygon to a fiat payout
- 1Open the Bridge tab and select Polygon as the source chain.
- 2Move your USDC to Base over Circle CCTP and wait for it to land in your wallet.
- 3Open the sell flow, choose a payment app and currency, and enter your payout handle.
- 4Create the Base deposit. Your USDC locks in the contract until a buyer's payment is proven.
- 5A buyer pays you directly in the payment app; USDC releases after the payment is proven.
What the app does and does not do
| Step | Where it happens |
|---|---|
| USDC on Polygon | Your wallet on the source chain |
| Bridge to Base | App Bridge tab over Circle CCTP |
| Native Base USDC | Your wallet on Base |
| Sell deposit and release | Non-custodial ZKP2P escrow on Base |
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Common questions
What is USDCtoFiat?
USDCtoFiat lets you sell USDC on Base for money in Venmo, Cash App, Chime, Revolut, Wise, Zelle, PayPal, Monzo, N26, and Luxon. You keep control of your wallet, and trades settle through non-custodial ZKP2P smart contracts on Base.
Does USDCtoFiat hold my funds?
No. You sign every transaction from your own wallet. Your USDC is locked in a public Base contract and releases to the buyer only after their payment is proven. You can withdraw any unfilled deposit at any time.
What does it cost to sell?
Creating and managing a seller deposit is free, though Base gas applies to onchain actions. The offramp SDK is free to integrate. On delegated fills, Delegate's 0.10% manager fee comes from the USDC released to the buyer, not from your fiat proceeds or your quoted rate. Peerlytics analytics, webhooks, and API credits are priced separately.
Do I need a centralized exchange account?
No exchange account is required to use USDCtoFiat. You need a wallet holding USDC on Base and an account on the payment app you want to be paid in. The payment app's own account rules and limits still apply.
Do I need to complete KYC?
USDCtoFiat does not collect identity documents, hold your fiat, or hold your keys. The payment app you use still controls its own verification, limits, and account rules. USDC settlement happens through Base smart contracts, and we cannot change what Venmo, PayPal, Wise, Zelle, or your bank requires.
Can I sell USDC directly from Polygon?
Not directly. USDCtoFiat settles native USDC on Base, so Polygon USDC has to be bridged to Base first. The app's Bridge tab moves it over Circle CCTP, then you create a normal sell deposit.
How do I move USDC from Polygon to Base?
Use the Bridge tab in the app, select Polygon as the source, and route USDC to Base via Circle CCTP. Once native Base USDC lands in your wallet, open the sell flow.
How fast does a deposit fill?
Fill speed depends on buyer demand for your payment method, currency, and rate. Liquid routes like USD via Venmo or Cash App, or EUR/GBP via Revolut or Wise, move fastest. You can withdraw unfilled deposits whenever you want.