RTP / ACH · USD
Cash out USDC to US dollars in the US
In the US, USDC is already dollars on-chain, so cashing out is about moving it to a bank account with a routing and account number. Sacamos's partner pays out over RTP when your bank participates — funds typically arrive in minutes, even on weekends — and otherwise over ACH, which settles on business days. You stay in self-custody until the moment you send.
Quick facts
- You receive
- US dollars (USD)
- Payment rail
- RTP / ACH
- Operated by
- The Clearing House (RTP) and Nacha rules (ACH)
- Typical speed
- Minutes with RTP when your bank supports it; ACH typically within 1–3 business days (Same Day ACH when available)
- Availability
- RTP 24/7; ACH settles on business days
- What you need
- ACH routing number (9 digits) + account number
- 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 US dollars 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 routing + account number
In your bank app, open the checking account and look for "account & routing number" or direct-deposit details. Use the ACH/direct-deposit routing number — some banks publish a different routing number for wires.
- 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 RTP / ACH
After the deposit confirms on-chain, the partner converts and pays out. Minutes with RTP when your bank supports it; ACH typically within 1–3 business days (Same Day ACH when available).
Where to find your routing + account number
In your bank app, open the checking account and look for "account & routing number" or direct-deposit details. Use the ACH/direct-deposit routing number — some banks publish a different routing number for wires.
Banks and wallets in the US
- Chase BankFor a Sacamos cash-out, use the ACH / direct deposit routing number, not the wire routing number.
- Bank of AmericaBank of America uses state-specific routing numbers for ACH and direct deposit, plus a different routing number for wires; Sacamos needs the ACH one.
- Wells FargoWells Fargo's ACH routing number varies by the state where the account was opened, while domestic wires use a separate routing number.
- CitibankCiti's routing number can depend on the region where the account was opened, so don't reuse one from another person's Citi account.
- Capital OneCapital One online accounts (such as 360 Checking) and accounts opened at a branch can use different routing numbers; use the one shown for your specific account.
- ChimeChime is a financial technology company, not a bank; its accounts are provided by FDIC-insured partner banks, which is why the routing number belongs to a partner bank rather than to Chime.
- MercuryMercury is for businesses, so the account holder is the company; the payout partner must verify the business (KYB), not just you as an individual.
- Wise USD accountWise is not a US bank; its USD account details are provided through a partner bank, which is why the routing number isn't Wise's own.
- Cash AppCash App is a financial services platform, not a bank; its account and routing numbers are provided through partner banks.
Limits and things to know
- Whether you get RTP speed depends on your bank participating in RTP; otherwise ACH timing applies.
- Banks may hold unusually large first deposits for review.
- New Sacamos users start with a lower limit while verification is new.
Tips
- The name on the bank account must match your verified identity (or verified business).
- Double-check you copied the ACH routing number, not the wire routing number.
- Keep records of the USD value when you received USDC and when you cashed out — useful at tax time.
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 |
| 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 IRS treats digital assets as property. If you are paid in USDC for work, that is generally ordinary income at its fair market value when received; later disposals can produce (usually small, for a stablecoin) gains or losses. Brokers began issuing Form 1099-DA for 2025 transactions. Talk to a tax professional.
IRS · This is general information, not tax, legal or financial advice.
Regulation
Sacamos's US payouts are handled by licensed money-transmission partners, who perform identity verification as required by law.
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 RTP / ACH payout take?
Minutes with RTP when your bank supports it; ACH typically within 1–3 business days (Same Day ACH when available). RTP 24/7; ACH settles on business days.
Will my payout arrive on a weekend?
With RTP, usually yes. If your bank only receives ACH, the payout settles on the next business days.
Can I use a savings account?
Yes, checking or savings accounts with a routing and account number both work.
Is USDC to USD a taxable event?
A disposal of a digital asset is generally a reportable event; with a stablecoin the gain or loss is usually small. Ask a tax professional about your situation.
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 the US
- How to withdraw USDC from MetaMask to a bank account in the US
- How to withdraw USDC from Coinbase Wallet (Base app) to a bank account in the US
- How to withdraw USDC from Trust Wallet to a bank account in the US
- How to withdraw USDC from Solflare to a bank account in the US
- How to withdraw USDC from Rabby to a bank account in the US
Read next
- USDC to Bank Account in the US: ACH, Same Day ACH, RTP and FedNow ExplainedHow to move USDC to a US bank account by ACH or instant RTP: routing numbers, name matching, rail speeds, notes for Chase, Chime and Mercury, and IRS basics.
- 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.
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.