Wise does not permit payments from P2P crypto sales.

Wise's published crypto policy says customers may not receive money from individuals as payment for a P2P cryptocurrency sale, and that Wise may reject payments or close accounts. Although ZKP2P has technical Wise support, USDCtoFiat does not recommend using the route while that policy applies.

Compare payment methods Read Wise's crypto policy

What Wise's policy says

Wise distinguishes transfers involving regulated crypto platforms from payments between individuals. Its current help article says customers cannot use a Wise account to buy, sell, or trade crypto, and cannot receive money from another person for a P2P crypto sale.

Wise says it can reject transactions or close an account when activity falls outside that policy. This policy was reviewed July 22, 2026; always read the current source before making a transfer.

Question	Wise's published position
Receive a P2P crypto-sale payment?	Not permitted
Buy, sell, or trade crypto through Wise?	Not permitted
Transfer to a regulated crypto platform?	May be allowed where Wise permits it
Possible enforcement	Payment rejection or account closure

Wise's position on cryptocurrency

The official policy governing crypto-related Wise payments.

Technical support is not account permission

The underlying ZKP2P protocol can identify and prove certain Wise transfers. That technical capability does not mean Wise permits the transfer or that USDCtoFiat, ZKP2P, or Wise are affiliated.

Do not create a Wise route simply because it appears in protocol metadata. The payment provider's current terms govern the external fiat account.

Alternatives to a Wise P2P payment

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How to cash out USDC

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Common questions

What is USDCtoFiat?

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.

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.

Can I receive payment for a P2P crypto sale in Wise?

Wise's current published policy says no. It specifically prohibits receiving money from individuals as payment for a P2P cryptocurrency sale and warns that it may reject payments or close accounts.

Why does Wise still appear in ZKP2P technical references?

Technical support describes what the protocol can identify or prove; it does not grant permission to use a payment account. Wise's own current policy controls whether a fiat transfer is allowed.