Compare USDC cash-out methods by account, network, and policy.
Pick an account where the balance is useful and the intended transfer is allowed. Each route has its own currency, payout handle, native crypto support, account-purpose rules, setup, protection, and regional eligibility. Technical protocol support does not override the provider's policy.
Payment routes
USDC to Venmo
Public Venmo username
USDC to Cash App
Cashtag
USDC to Chime
$ChimeSign
USDC to Zelle
Bank-registered email
USDC to Revolut
Public Revtag
USDC to Wise
Wisetag
USDC to PayPal
PayPal.me username
USDC to Monzo
monzo.me username
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.
Which payment methods need the Verify extension?
The protocol's PayPal and Wise integrations have one-time handle registration. That is only a technical prerequisite: Wise currently prohibits P2P crypto-sale receipts, and PayPal may require preapproval for cryptocurrency-related payments.