USDC to Zelle settles USD to your registered email.
Zelle moves money between US bank accounts. USDCtoFiat lets a buyer send you USD over Zelle while your USDC stays in a Base contract until the payment is proven.
Zelle facts
| Field | Value |
|---|---|
| Currency | USD |
| Identifier | Email registered with your bank's Zelle |
| Best for | US sellers who want money in a bank account, not an app balance |
| Constraint | Your bank's Zelle limits and buyer demand apply |
How a Zelle sale works
- 1Create a USD deposit for Zelle and enter your Zelle-registered email.
- 2A buyer starts the trade and sends USD over Zelle to that email.
- 3Once the Zelle transfer is verified, the contract releases your USDC to the buyer.
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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.
Which email should I use for Zelle?
The email enrolled with your bank's Zelle, so a buyer's Zelle transfer reaches you. The address is matched in lowercase. Your bank sets its own Zelle transfer limits.