Coinbase Wallet (Base app) → RTP / ACH · USD
How to withdraw USDC from Coinbase Wallet (Base app) to a bank account in the US
Coinbase Wallet — rebranded in 2025 as the Base app — is Coinbase's self-custodial wallet. It is separate from a Coinbase exchange account: you hold the keys. USDC on Base is native to it, which makes Base the natural network to cash out from.
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
- Wallet
- Coinbase Wallet (Base app) (iOS, Android, Chrome)
- USDC networks
- Base and Solana
- Payment rail
- RTP / ACH
- You receive
- US dollars (USD)
- 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)
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
Coinbase Wallet (Base app) — 1/5
Open the app and tap Send.
- 5
Coinbase Wallet (Base app) — 2/5
Choose USDC and make sure the network is Base (or Solana if that is where your USDC is).
- 6
Coinbase Wallet (Base app) — 3/5
Paste the deposit address from Sacamos and confirm the network matches.
- 7
Coinbase Wallet (Base app) — 4/5
Enter the exact amount from your quote.
- 8
Coinbase Wallet (Base app) — 5/5
Review the fee shown and confirm.
- 9
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.
Coinbase Wallet (Base app): tips
- If your USDC is in a Coinbase exchange account rather than the wallet, it is custodial — you would withdraw from the exchange instead.
- Sacamos only needs your wallet to sign a normal USDC transfer; it never requests token approvals.
- 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.
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.
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 |
Frequently asked questions
What if my USDC in Coinbase Wallet (Base app) is on another network?
Bridge or swap it to USDC on Solana or Base first, using a reputable bridge, then cash out. Never send unsupported networks to the deposit address.
Which networks are supported?
USDC on Solana and USDC on Base. Do not send USDC on other networks, or other tokens. Coinbase Wallet (Base app) can send USDC on Base and Solana — both work with Sacamos.
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.
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. Network fees on Base are typically low; the app shows the fee before you confirm.
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.
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.
Banks and wallets in the US
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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.