Bre-B · COP
USDC to Nequi: cash out to Colombian pesos
How to send USDC from your wallet to your Nequi account in Colombian pesos via Bre-B: where to find your Bre-B key, steps, limits and FAQs.
Bre-B is Colombia's instant payments system, built by Banco de la República so that any bank or wallet can send money to any other in seconds using a simple key (llave) — your phone number, ID number, email or an @alphanumeric key. Bancolombia, Nequi, Daviplata, Davivienda and other participants let you register keys. To cash out USDC to COP, you give Sacamos your Bre-B key and the partner pays out instantly.
Quick facts
- You receive
- Colombian pesos (COP)
- Payment rail
- Bre-B
- What you need
- Bre-B key (llave): phone, cédula, email, @alphanumeric key or merchant code
- Typical speed
- Seconds once the payout is sent
- Availability
- 24/7
- USDC networks
- Solana and Base
Where to find your Bre-B key — Nequi
Nequi is tied to your mobile number, and the app usually offers an option to manage your Bre-B keys. Check which key is registered to your Nequi before pasting it into Sacamos.
What to know about Nequi
- Nequi is a low-amount deposit account (depósito de bajo monto) from the Bancolombia group, with monthly limits on how much it can receive and hold; large cash-outs may be better sent to a full bank account.
- Because Nequi is so tied to your phone number, many people use that number as their Bre-B key; just confirm it points to Nequi and not to another bank.
- Low-amount accounts can be exempt from the 4x1000 up to a regulatory threshold; check the current rules in the app.
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 Colombian 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 Bre-B key
Nequi is tied to your mobile number, and the app usually offers an option to manage your Bre-B keys. Check which key is registered to your Nequi before pasting it 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 Bre-B
After the deposit confirms on-chain, the partner converts and pays out. Seconds once the payout is sent.
Limits and things to know
- Low-amount deposit accounts (such as standard Nequi or Daviplata accounts) have monthly balance and transaction caps. Larger payouts may need a regular savings account.
- Bank transactions are generally subject to the 4x1000 tax (GMF) unless the account is marked as exempt within the legal limits.
- 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: the DIAN is Colombia's tax authority. Income from services is taxable whatever the currency, and crypto holdings and gains generally need to be reported. A contador can tell you how this applies to you.
This is general information, not tax, legal or financial advice.
Frequently asked questions
Why might a cash-out to Nequi be rejected?
The most common reason is reaching Nequi's monthly limit as a low-amount deposit account. Others are a key that points to a different account or a name that doesn't match your verified identity.
How long does a Bre-B payout take?
Seconds once the payout is sent. 24/7.
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.
Can I receive in Nequi?
Yes, if you have a Bre-B key registered to your Nequi account. Keep Nequi's monthly limits in mind for larger amounts.
Other banks
Related guides
- How to withdraw USDC from Phantom to a bank account in Colombia
- How to withdraw USDC from MetaMask to a bank account in Colombia
- How to withdraw USDC from Coinbase Wallet (Base app) to a bank account in Colombia
- How to withdraw USDC from Trust Wallet to a bank account in Colombia
- How to withdraw USDC from Solflare to a bank account in Colombia
- How to withdraw USDC from Rabby to a bank account in Colombia
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 Nequi o Bancolombia con Bre-BGuía para pasar USDC a pesos colombianos en Nequi, Bancolombia o Daviplata con Bre-B: llaves, límites de cuentas de bajo monto, 4x1000 y DIAN.
- 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.