USDC to PayPal means getting paid at your PayPal.me.
PayPal does not accept USDC directly. USDCtoFiat lets a buyer pay your PayPal.me while your USDC stays locked in a Base smart contract.
PayPal facts
| Field | Value |
|---|---|
| Currencies | USD, EUR, GBP |
| Identifier | PayPal.me username, not your email address |
| Setup | One-time registration in the USDCtoFiat Verify extension |
| Buyer requirement | Buyers must reach the protocol PLUS tier |
| Constraint | PayPal Business accounts are not supported |
Use your PayPal.me username, not your email
PayPal deposits use your PayPal.me username (the handle in paypal.me/yourname), not your account email. Register that handle once in the Verify extension before your first PayPal deposit. This requires desktop Chrome with a logged-in PayPal session. After that, you create PayPal deposits normally.
How a PayPal sale works
- 01Register your PayPal.me username in the Verify extension (first time only).
- 02Create a PayPal deposit, choose USD, EUR, or GBP, and enter your PayPal.me username.
- 03A PLUS-tier buyer starts the trade and pays your PayPal.me account.
- 04Once the PayPal payment is proven, your USDC releases from the contract.
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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.
Do I use my PayPal email or PayPal.me?
Use your PayPal.me username (the handle from paypal.me/yourname), not your account email. PayPal Business accounts are not supported. Buyers must also reach the PLUS tier to fill; PLUS is a buyer account tier inside the ZKP2P protocol, not a PayPal product, and the requirement can change over time.