Transferencias 3.0 · ARS
USDC to Mercado Pago Argentina: cash out to Argentine pesos
How to send USDC from your wallet to your Mercado Pago Argentina account in Argentine pesos via Transferencias 3.0: where to find your CBU/CVU or alias, steps, limits and FAQs.
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
- What you need
- CBU, CVU (22 digits) or alias, plus CUIT/CUIL
- Typical speed
- Usually minutes once the payout is sent
- Availability
- 24/7 for immediate transfers
- USDC networks
- Solana and Base
Where to find your CBU/CVU or alias — Mercado Pago Argentina
In the Mercado Pago app, your 22-digit CVU and your alias usually appear in your account details or in the option to add money by transfer. You can copy either one into Sacamos.
What to know about Mercado Pago Argentina
- Mercado 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.
- Your alias can be edited in the app; if you changed it recently, make sure you give Sacamos the current one.
- The account must be under the same CUIT/CUIL you provide for verification; transfers to someone else's CVU are not supported.
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 the Mercado Pago app, your 22-digit CVU and your alias usually appear in your account details or in the option to add money by transfer. You can copy either one into Sacamos.
- 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.
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.
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.
This is general information, not tax, legal or financial advice.
Frequently asked questions
Should I use my CVU or my alias for Mercado Pago?
Either points to the same account. The alias is easier to read and check; the CVU avoids issues if you later change your alias. Copy whichever you pick straight from the app.
How long does a Transferencias 3.0 payout take?
Usually minutes once the payout is sent. 24/7 for immediate transfers.
Can I send to someone else's bank account?
No. Payouts go to an account in the name of the verified customer.
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.
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.
Other banks
Related guides
- 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.