RTP / ACH · USD
USDC to Wise USD account: cash out to US dollars
How to send USDC from your wallet to your Wise USD account account in US dollars via RTP / ACH: where to find your routing + account number, steps, limits and FAQs.
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
- What you need
- ACH routing number (9 digits) + account number
- 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
- USDC networks
- Solana and Base
Where to find your routing + account number — Wise USD account
In Wise, open your USD balance and look for its account details; Wise shows a US routing number and account number for receiving ACH, separate from details for wires or SWIFT.
What to know about Wise USD account
- Wise 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.
- Make sure you copy the ACH details, not the SWIFT/international details, which are meant for transfers from abroad.
- The Wise account must be in your own name; a Wise Business account works only if the business is the verified party.
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 Wise, open your USD balance and look for its account details; Wise shows a US routing number and account number for receiving ACH, separate from details for wires or SWIFT.
- 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).
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.
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.
This is general information, not tax, legal or financial advice.
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.
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.
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.
Other banks
Related guides
- 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.