Phantom → Transferencias 3.0 · ARS
How to withdraw USDC from Phantom to a bank account in Argentina
Phantom is a self-custodial wallet best known for Solana, and it also supports Base and other networks. Many people get paid in USDC on Solana straight into Phantom, which makes it one of the most common starting points for a cash-out.
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
- Wallet
- Phantom (iOS, Android, Chrome, Firefox, Brave, Edge)
- USDC networks
- Solana and Base
- Payment rail
- Transferencias 3.0
- You receive
- Argentine pesos (ARS)
- What you need
- CBU, CVU (22 digits) or alias, plus CUIT/CUIL
- Typical speed
- Usually minutes once the payout is sent
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 your bank or wallet app, open your peso account and look for "CBU/CVU y alias" or "Tus datos". Copy the 22-digit number or the alias. You will also need your CUIT/CUIL.
- 4
Phantom — 1/5
Open Phantom and select the account that holds your USDC.
- 5
Phantom — 2/5
Tap USDC in your token list. If you hold USDC on more than one network, pick the one that matches the deposit address network (Solana or Base).
- 6
Phantom — 3/5
Tap Send and paste the deposit address shown by Sacamos. Phantom shows the destination network — confirm it matches.
- 7
Phantom — 4/5
Enter the exact USDC amount from your quote.
- 8
Phantom — 5/5
Review the network fee and confirm. Phantom shows the transaction as confirmed within seconds on Solana.
- 9
Receive via Transferencias 3.0
After the deposit confirms on-chain, the partner converts and pays out. Usually minutes once the payout is sent.
Where to find your CBU/CVU or alias
In your bank or wallet app, open your peso account and look for "CBU/CVU y alias" or "Tus datos". Copy the 22-digit number or the alias. You will also need your CUIT/CUIL.
Phantom: tips
- Phantom supports Solana Actions and Blinks, so a cash-out can also be started from a Blink link and signed in Phantom.
- Never share your Secret Recovery Phrase. Sacamos and its partners will never ask for it.
- Compare the final ARS amount, not just the headline rate — official, MEP and crypto dollar quotes can differ.
- An alias is easier to type correctly than a 22-digit number, but confirm the account holder name shown before saving it.
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 |
| 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 |
Frequently asked questions
What if my USDC in Phantom 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. Phantom can send USDC on Solana and Base — both work with Sacamos.
How long does a Transferencias 3.0 payout take?
Usually minutes once the payout is sent. 24/7 for immediate transfers.
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. Sending USDC on Solana requires a small amount of SOL for the network fee; on Base you need a little ETH on Base. Network fees on both are typically a small fraction of a dollar, but they vary with demand.
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.
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.
Banks and wallets in Argentina
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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.
- Solana Blinks for Cash-Out: How to Send USDC to Your Bank From a LinkWhat Solana Actions and Blinks are, how a Sacamos cash-out Blink turns a link into a signable USDC transaction, and how to use one safely from your wallet.
- Como receber em USDC como freelancer no Brasil (e sacar para PIX)Guia para freelancers no Brasil: como cobrar clientes do exterior em USDC, qual rede pedir, como organizar faturas e como converter para reais via PIX.
- 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.
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.