Short answers for the questions that matter before you publish liquidity or build on the SDK.
It lets sellers convert native USDC on Base into fiat received through supported payment apps.
The seller signs from their own wallet. The USDC sits in a public Base escrow contract until withdrawal or verified release.
Use a private OTC order to restrict the deposit to one buyer wallet.
Use manual release only after independently verifying the fiat payment in your own payment app.
USDCtoFiat coordinates non-custodial sales of native Base USDC for USD, EUR, or GBP through ZKP2P smart contracts. Payment-provider eligibility and account policies still apply; technical route support is not permission to use an external account, and Wise currently prohibits P2P crypto-sale receipts.
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.
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 and API credits are priced separately.
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.
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.
Fill speed depends on buyer demand for your payment method, currency, rate, and order size. Check live liquidity for an eligible route before publishing; technical support does not override a provider's account rules. You can withdraw unfilled deposits whenever you want.
The app has technical routes for Venmo, Cash App, Chime, Zelle, Revolut, Wise, PayPal, and Monzo. Technical support is not provider permission: eligibility, commercial-use rules, regions, limits, and payment protection vary, and Wise prohibits receiving P2P crypto-sale payments.
The technical catalog covers USD, EUR, and GBP, but the routes available to you depend on provider, region, account type, currency, and permitted use. Review the payment-method guide and the provider's first-party policy before creating a deposit.
USDCtoFiat does not collect identity documents or run a custodial account onboarding flow. Your payment app may still require verification, restrict accounts, or apply transfer limits.
The sell flow uses native USDC on Base. Bridge or transfer USDC to Base before creating a sell deposit.
Payment-app reversals are fiat-leg risk. The protocol cannot reverse external fiat transfers or mediate disputes after the fact, so sellers should use conservative limits and follow the safety checklist.
The app can generate a trade log or Tax Pack export where enabled, but it does not determine your tax treatment. Stablecoin sales can be taxable in many jurisdictions.
Yes. Use @usdctofiat/offramp for the productized seller flow. Use Peerlytics APIs when you need market data, analytics, orderbook reads, API keys, deposits, and intents.