Zilligo Payments LTD, Mauritius File C215482

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United States

Cash out crypto in the US, to your bank or your apps.

ACH pays up to $15,000 an order into a US checking or savings account for 1%. When you want dollars sooner, Cash App, PayPal and Venmo are paid within minutes of your coins confirming.

See the best options Start a cashout
14Ways to get paid here
From 1%Fee, shown first
USDLocal currency
Your orderRate held for 20 minutes
You send1,012.14

Zilligo fee, 1%
$10.00
Network fee
Paid by your wallet
Per order
$1,000 to $15,000
Cash out $1,000

An estimate at today's price. Your order page fixes the exact amount for 20 minutes.

The short answer

For a large amount, the cheapest US route with Zilligo is ACH: enter your routing and account number, send USDT, Bitcoin or one of five other coins, and dollars reach your bank in 1 to 2 business days for 1%, from $1,000 up to $15,000 an order. For smaller sums you need today, Cash App, PayPal and Venmo are paid within minutes of your coins confirming, at 1.5%. The quote shows the fee and your exact payout before you send, and the free account takes about a minute.

Best options

Our recommended payouts in the US

Our shortlist in the US, most useful first.

  1. 1ACH Transfer logo
    Best for larger amounts

    ACH Transfer

    Up to $15,000 into your checking or savings account for 1%, in 1 to 2 business days.

    Fee
    1.0%
    Per order
    $50 to $15k
  2. 2Cash App logo
    Quickest to spend

    Cash App

    Dollars in your Cash App balance within minutes, for coins Cash App cannot take itself.

    Fee
    1.5%
    Per order
    $50 to $2.5k
  3. 3PayPal logo
    Best for online shopping

    PayPal

    Up to $5,000 into PayPal, ready to pay, send or move to your bank.

    Fee
    1.5%
    Per order
    $50 to $5k
  4. 4Visa Prepaid logo
    Best for paying online

    Visa Prepaid

    A virtual Visa for online spending at 2%, plus $10 on your first card.

    Fee
    2.0%
    Per order
    $50 to $5k
  5. 5Venmo logo
    Best for splitting costs

    Venmo

    Dollars on your @username, ready to pass on to friends.

    Fee
    1.5%
    Per order
    $50 to $2.5k
  6. 6Chime logo
    For Chime members

    Chime

    Paid to your Chime account and routing number, up to $1,000 an order.

    Fee
    1.0%
    Per order
    $50 to $1k

Local context

Bank or app: the two kinds of US cashout

Most American guides send you to an exchange: sell there, wait for the dollars to clear, then withdraw by ACH. That is fine when your coins already sit on that exchange and your ID checks are done. When they are in your own wallet, or they are USDT, Solana, XRP, BNB or Monero, it means moving them across first and paying the exchange's trading fee and spread on the way out.

Payment apps only cover part of the gap. Cash App's own deposit address takes Bitcoin and, since May 2026, USDC on a few networks, but not USDT. Venmo's crypto tab holds a short list of coins after an ID check. With an order here you send any of seven coins from the wallet you already use and choose where the dollars land.

Choose by size and timing. ACH costs 1% and goes from $1,000 up to $15,000 an order, but it only moves on business days. Chime is paid the same way, up to $1,000. Cash App and Venmo take up to $2,500 and PayPal up to $5,000, at 1.5%, and the money shows up within minutes.

The IRS treats crypto as property, so a cashout is usually a sale with a gain or loss to report. US brokers started reporting crypto sales on the new Form 1099-DA for 2025, which makes your own records matter more: keep the date, amount and order page of every cashout. This is general information, so check the rules that apply to you.

Local bank payoutsAvailable

Available today by ACH to checking and savings accounts at US banks and credit unions, using your routing and account number. Payouts move on business days. Chime accounts are paid the same way.

ChaseBank of AmericaWells Fargo

Local payment systems: ACH

Watch out

Payouts that will not reach you in the US

People in the US often try these first. Here is why they fail.

Sending USDT to a Cash App address

Cash App's deposit address takes Bitcoin and USDC only. Other coins sent there may never be credited. Place an order instead and receive dollars.

SEPA for a US account

SEPA pays euros to European IBANs. A US checking account uses a routing number, so pick ACH.

Wise for a US bank

Wise can send back money it links to crypto. ACH reaches your bank for the same 1% without that question.

All options

All the ways to get paid in the US

Wallets

ACH Transfer logoACH Transfer1.0%Cash App logoCash App1.5%PayPal logoPayPal1.5%Venmo logoVenmo1.5%Chime logoChime1.0%Payoneer logoPayoneer1.5%

Cards and vouchers

Visa Prepaid logoVisa Prepaid2.0%Amazon Gift Card logoAmazon Gift Card1.5%iTunes / App Store logoiTunes / App Store1.5%Google Play logoGoogle Play1.5%Steam logoSteam1.5%

Cash pickup

Western Union logoWestern Union1.5%MoneyGram logoMoneyGram1.5%

Phone credit

Mobile Top-Up logoMobile Top-Up1.0%

Local tips

Small things that help in the US

  1. 1

    Weekend orders wait for a business day

    ACH does not settle on weekends or federal holidays, so the 1 to 2 days start counting on the next business day.

  2. 2

    Use the ACH routing number

    Copy it from your online banking. Some banks list a different routing number for wires.

  3. 3

    Check your app's receiving limit

    An unverified Cash App account can receive about $1,000 in 30 days. Look under Limits in the app before a larger order.

  4. 4

    Send USDT on Tron for big ACH orders

    A stablecoin holds its value while it confirms, and the network cost is usually a few dollars.

  5. 5

    Save every order page

    It records the date, coin and dollar amount, which is what you need when you report the sale.

Questions

Your questions about cashing out in the US

Something we missed? Write to us, we reply fast.

What is the best way to cash out crypto in the US?

For large amounts, ACH to your bank: 1%, up to $15,000 an order, 1 to 2 business days. For money you want today, Cash App, PayPal or Venmo at 1.5%, paid within minutes of your coins confirming.

Can I cash out USDT to Cash App?

Cash App itself does not accept USDT. With an order here you send the USDT to the address on your order page, and we pay dollars to your $Cashtag, up to $2,500 an order.

How much can I cash out in one order?

Up to $15,000 by ACH, from a $1,000 minimum, $5,000 to PayPal, $2,500 to Cash App or Venmo and $1,000 to Chime. PayPal, Cash App and Venmo start at $100, and Chime and gift cards at $50. Gift cards go up to $500 for Apple, Google Play and Steam, and $1,000 for Amazon.

Can I cash out without a bank account?

Yes. Cash App, PayPal, Venmo, gift cards, the virtual Visa and cash pickup do not need one. Only ACH and Chime ask for an account and routing number.

Is cashing out crypto taxable in the US?

Usually. The IRS treats crypto as property, so selling it can create a capital gain or loss. This is general information, not tax advice: keep your order pages and check with a tax professional.

Which gift cards can I buy for the US?

Amazon.com, Apple, Google Play and Steam codes, emailed within minutes of your coins confirming.

Can I send cash to someone in the US?

Yes. Western Union and MoneyGram transfers are ready the same day. The person collecting brings a valid photo ID and the transfer number.

Do I need an account?

Yes, a free Zilligo account. It takes about a minute: you pick a handle and save your sign-in key and recovery code.

Other countries

CanadaMexicoNigeriaIndiaPhilippinesIndonesiaAll countries

Ready when you are

Pick your bank or your app, and cash out

Send your coins once, and the payout amount is locked before you do.

Start a cashout See fees

Orders from $50 on gift cards and top-ups, $100 on most payouts. Nothing moves until you send.

  1. 1Pick a payoutBank transfer, PayPal and other wallets, a card, a gift card or cash pickup.
  2. 2Send your coinsTo the one-time address on your order, before the 20 minute timer runs out.
  3. 3Get paidMost payouts arrive within minutes of your coins confirming.