Transferencias 3.0 · ARS
Cash out USDC to Argentine pesos in Argentina
In Argentina, peso transfers between bank accounts (CBU) and virtual wallets (CVU) are immediate and interoperable under the Central Bank's Transferencias 3.0 framework. Banks issue a 22-digit CBU, wallets like Mercado Pago, Ualá or Naranja X issue a 22-digit CVU, and both can be reached with an easy-to-remember alias. Because several dollar quotes coexist in Argentina, the number that matters is the final amount of pesos you receive.
Quick facts
- You receive
- Argentine pesos (ARS)
- Payment rail
- Transferencias 3.0
- Operated by
- BCRA framework (immediate transfers between CBU and CVU accounts)
- Typical speed
- Usually minutes once the payout is sent
- Availability
- 24/7 for immediate transfers
- What you need
- CBU, CVU (22 digits) or alias, plus CUIT/CUIL
- USDC networks
- Solana and Base
Step by step
- 1
Get a quote
Open Sacamos, choose your country and enter the amount of USDC. The quote shows the exchange rate, fees and the exact Argentine pesos you will receive.
- 2
Verify your identity (first time only)
Our licensed partner verifies your identity once. Payouts go only to accounts in your own name.
- 3
Add your CBU/CVU or alias
In your bank or wallet app, open your peso account and look for "CBU/CVU y alias" or "Tus datos". Copy the 22-digit number or the alias. You will also need your CUIT/CUIL.
- 4
Send USDC from your wallet
Send the exact USDC amount to the one-time deposit address shown, on the network shown (Solana or Base). Your funds stay in your wallet until you sign this transfer.
- 5
Receive via Transferencias 3.0
After the deposit confirms on-chain, the partner converts and pays out. Usually minutes once the payout is sent.
Where to find your CBU/CVU or alias
In your bank or wallet app, open your peso account and look for "CBU/CVU y alias" or "Tus datos". Copy the 22-digit number or the alias. You will also need your CUIT/CUIL.
Banks and wallets in Argentina
- Mercado Pago ArgentinaMercado Pago gives you a CVU (Clave Virtual Uniforme), the virtual-account equivalent of a bank CBU; both are 22 digits and both receive immediate transfers.
- UaláUalá began as a fintech wallet with a CVU and later added a banking arm, so depending on your products you may see a CVU, a CBU, or both. Use the one the app shows for your peso account.
- BrubankUnlike wallets that issue a CVU, Brubank is a bank authorized by Argentina's Central Bank (BCRA) and gives you a CBU.
- GaliciaGalicia is one of Argentina's largest private banks; its group also owns Naranja X, which is a separate app with its own CVU.
- Santander ArgentinaSantander customers often have a package with several accounts (pesos and dollars, savings and checking); each has its own CBU and alias.
- BBVA ArgentinaThe first three digits of a CBU identify the bank; that's a quick way to confirm you copied a BBVA CBU and not one from another bank.
- Naranja XNaranja X is the fintech arm of Grupo Galicia, but its account is separate from a Banco Galicia account and uses a CVU, not a CBU.
- Banco NaciónBanco de la Nación Argentina is the country's main public bank, and many people have an account there for salary, pension or social payments.
Limits and things to know
- Banks and wallets apply their own limits to transfers and may ask for supporting documentation for large or unusual amounts.
- The CUIT/CUIL of the receiving account must match the verified customer.
- New Sacamos users start with a lower limit while verification is new.
Tips
- Compare the final ARS amount, not just the headline rate — official, MEP and crypto dollar quotes can differ.
- An alias is easier to type correctly than a 22-digit number, but confirm the account holder name shown before saving it.
- CVU accounts (wallets) and CBU accounts (banks) both work.
How it compares
Every option below works. They differ in who holds your funds, how many steps it takes and how pricing is shown. This is a qualitative comparison — fees and speeds change, so check each provider's current terms.
| Option | Custody | Steps | Speed | Pricing | Good for | Watch out for |
|---|---|---|---|---|---|---|
| Sacamos (non-custodial off-ramp) | You keep USDC in your wallet until you send it to a one-time partner deposit address | Verify once, add bank, get quote, send from wallet | Depends on the local rail; instant rails usually minutes | Rate and fees shown upfront in the quote | Getting paid in USDC and cashing out straight from your own wallet | Supports USDC on Solana and Base only; identity verification required |
| Centralized exchange (deposit, sell, withdraw) | The exchange holds your funds while you trade and withdraw | Deposit, place a sell order, then request a fiat withdrawal | Varies by exchange and withdrawal method | Trading spread/fees plus withdrawal fees; can be cost-effective for large amounts | Active traders who already keep a balance on an exchange | Extra steps, custody risk, and sending to the exchange on a network it supports |
| Bitso | Custodial exchange account | Deposit USDC on a supported network, convert, withdraw to your local account | Often fast on local rails; varies | Conversion spread/fees per Bitso's schedule | Users already verified on Bitso who want a local exchange | Funds sit in a custodial account between steps |
| P2P marketplace (e.g. Binance P2P) | Platform escrow holds the crypto during the trade | Deposit to the platform, pick a buyer, wait for their bank transfer, release | Depends on the counterparty | Set by each buyer; can be competitive | Flexible payment methods and markets with few other options | Counterparty and scam risk (fake receipts, reversed or third-party payments) |
| Sell widgets (MoonPay, Transak) | You send crypto to the provider when you sell | Often built into wallets; verify, sell, receive to bank or card | Varies by country and payout method | Provider fees and spread, shown before confirming | Convenience inside a wallet you already use | Supported countries, tokens and payout rails vary |
Taxes (general information)
General information, not tax advice: in Argentina, ARCA (formerly AFIP) is the tax authority. Income from services and gains from crypto can be subject to income tax, and holdings may matter for wealth tax. Ask a contador about your case.
ARCA · This is general information, not tax, legal or financial advice.
Regulation
Virtual asset service providers in Argentina must register with the CNV. Sacamos works with licensed partners that handle conversion and identity checks.
Safety checklist
- Send a small test amount the first time.
- Check the network twice — sending on the wrong network can lose funds.
- Never share your seed phrase. No real support agent will ask for it.
- Only start cash-outs from the official site or app.
Frequently asked questions
How long does a Transferencias 3.0 payout take?
Usually minutes once the payout is sent. 24/7 for immediate transfers.
CBU, CVU or alias — which should I use?
Any of them. CBU is for bank accounts, CVU for wallets, and the alias points to one of the two. Use whichever belongs to the peso account you want to be paid into.
Can I receive dollars instead of pesos?
Sacamos's Argentina corridor pays out in ARS. If you want to keep dollars, you can simply hold USDC in your own wallet until you need pesos.
Why do I need my CUIT/CUIL?
Argentine transfers are tied to the holder's tax ID. It is used to confirm the receiving account belongs to you.
Do I need a crypto exchange account?
No. You send USDC directly from your own wallet to a partner deposit address. You never deposit into an exchange account.
Which networks are supported?
USDC on Solana and USDC on Base. Do not send USDC on other networks, or other tokens.
How much does it cost?
It depends on the amount and corridor. The quote shows the exchange rate and all fees before you send, plus a small network fee paid in your wallet.
Guides by wallet
- How to withdraw USDC from Phantom to a bank account in Argentina
- How to withdraw USDC from MetaMask to a bank account in Argentina
- How to withdraw USDC from Coinbase Wallet (Base app) to a bank account in Argentina
- How to withdraw USDC from Trust Wallet to a bank account in Argentina
- How to withdraw USDC from Solflare to a bank account in Argentina
- How to withdraw USDC from Rabby to a bank account in Argentina
Read next
- How to Transfer USDC from Phantom to Your Bank Account (2026 Guide)Step-by-step: move USDC from Phantom to your bank on Solana or Base. Network fees, deposit addresses, local rails by country, and safety tips before you send.
- Cómo retirar USDC a Mercado Pago en Argentina (CVU, alias y pesos)Cómo pasar USDC a tu cuenta de Mercado Pago en Argentina: CVU vs CBU vs alias, CUIT/CUIL, cómo comparar cotizaciones en pesos y los riesgos del P2P.
- Cómo pasar USDC de MetaMask a tu cuenta bancariaPaso a paso para pasar USDC de MetaMask a tu banco en México, Argentina o Colombia usando la red Base o Solana, sin errores de red y con el monto claro.
Sacamos is not a bank. Conversions and payouts are performed by licensed partners. Availability depends on your country and verification status. Nothing here is financial advice.