Private USDC orders for one buyer wallet.

Existing private deposits stay restricted to one buyer wallet, with one link to share. New private deposits can't be created right now.

Manage existing deposits How private orders work

Managing existing private orders

01Open an existing private deposit in Deposits.
02Review the approved buyer wallet and exact payment methods.
03Each exact payment method stays gated by WhitelistPolicy for the approved buyer and opted out of default stake-backed dispute protection.
04You get a link at usdctofiat.xyz/d/<escrow>/<depositId> to send the approved buyer.

Why it takes more than one transaction

A private deposit's access policy and dispute-protection settings are separate onchain state. The app confirms every policy update before showing an existing order as restricted.

Component	Role
EscrowV2	Stores the USDC deposit
WhitelistPolicy	Gates each exact payment method

Cost model on a private fill

A private order has the same seller cost model as a public delegated deposit: no platform fee to create the order, Base gas for onchain actions, and no deduction from the fiat you receive in the payment app. Buyer-side fee configuration can vary by route.

Manage existing deposits

Restricted onchain

One wallet can fill it. Every other wallet is rejected.

A private order enables every exact method in WhitelistPolicy for one approved buyer and opts those methods out of default stake-backed dispute protection. Neither an unapproved nor a staked nonmember wallet can fill it.

The app confirms every policy update before showing the order as restricted. Disabling restores default-on dispute protection before reopening access.

EscrowV2: 0x777777779d229cdF3110e9de47943791c26300Efdeposit lives here
Access policy: WhitelistPolicygates each payment method
Share link: usdctofiat.xyz/d/<escrow>/<depositId>one buyer, one URL

All guides Payment methods Supported currencies USDC to fiat

Common questions

Can anyone else fill a private OTC order?

No. WhitelistPolicy enables every exact payment method for the approved buyer, and the explicit dispute-protection opt-out removes the stake-backed route for nonmembers. The Base contracts reject any other wallet onchain.

What is USDCtoFiat?

USDCtoFiat coordinates non-custodial sales of native Base USDC across the current ZKP2P payment and currency catalog, including USD, EUR, GBP, INR, and CNY. 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. 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.

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.