Phantom → RTP / ACH · USD
How to withdraw USDC from Phantom to a bank account in the US
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 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
- Phantom (iOS, Android, Chrome, Firefox, Brave, Edge)
- USDC networks
- Solana and Base
- 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
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 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.
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.
- 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 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 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. 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.
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
Related guides
- 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
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- 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
- How to withdraw USDC from Phantom to a bank account in Mexico
- How to withdraw USDC from Phantom to a bank account in Brazil
- How to withdraw USDC from Phantom to a bank account in Argentina
- How to withdraw USDC from Phantom to a bank account in Colombia
- How to withdraw USDC from Phantom to a bank account in the Eurozone
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.
- 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.
- 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.
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.