A USDC off-ramp turns USDC into money you can spend.
An off-ramp is the path from onchain USDC to cash in a bank account, card, exchange account, or payment app. USDCtoFiat uses non-custodial peer-to-peer smart contracts on Base.
37,927 completed trades through the ZKP2P Protocol.
Unique makers and takers across the ZKP2P Protocol.
342 USDCtoFiat deposits created by 85 makers.
1,013 Delegate fills, including $43.0k over the trailing 30 days.
Off-ramp models
| Model | How it works | Primary risk |
|---|---|---|
| P2P smart contract | Lock USDC, receive payment from a buyer | Buyer demand and app limits |
| Exchange | Custody USDC, sell, withdraw fiat | Custodial holds and account limits |
| OTC | Brokered counterparty settlement | Minimums and onboarding |
| Card | Spend against a stablecoin balance | Fees and availability |
How the P2P smart-contract flow works
- 01You lock USDC in the ZKP2P contract on Base and choose a payment app, currency, and payout handle.
- 02A buyer chooses your deposit and starts the trade onchain.
- 03The buyer pays you directly through the payment app you selected.
- 04Once payment is proven, the contract releases your USDC to the buyer.
Why settlement on Base is verifiable
Every deposit, buyer trade, and release is a transaction on Base. You can inspect the flow yourself instead of trusting a private dashboard.
The contract path is public. Check it on Base.
USDC stays in a public contract until payment is proven. Every deposit, buyer trade, and release is visible onchain.
These addresses are protocol infrastructure, not custodial wallets. USDCtoFiat cannot move seller funds outside the contract rules.
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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, and Monzo. 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 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.
Is a P2P off-ramp safe?
Your USDC stays in a public Base contract and only releases once the buyer's payment is proven, so a buyer cannot take your USDC without paying. The real limits are demand and follow-through: a deposit fills only when a buyer wants your payment method and rate, and a buyer who starts but never completes payment can briefly tie up that part of your deposit. You can withdraw unfilled deposits whenever you want.