Deposits and withdrawals

All the ways to move money in and out of Senddy.

Depositing funds#

Bank transfer (ACH)#

Connect any of 12,000+ supported US banks. Transfers are free and typically arrive within 1-2 business days.

Debit or credit card#

Fund instantly with Visa or Mastercard. Processing fees are charged by the payment provider and disclosed before you confirm.

Cash App#

Cash App sends USDC on Solana, Ethereum, Polygon and Arbitrum. In Senddy, tap Deposit, then Stablecoin Deposit, and choose Solana (or Polygon or Arbitrum; Ethereum costs more). In Cash App, open the Payments tab, enter an amount of at least $1, tap Pay, paste the address and tap Send. Use the same network on both sides.

Venmo#

Venmo sends PayPal USD (PYUSD) on Solana, Ethereum and Arbitrum, and Senddy converts it to USDC on arrival. In Senddy, tap Deposit, then Stablecoin Deposit, and choose Solana or Arbitrum (Ethereum costs more). In Venmo, go to Crypto → PYUSD → Send, paste the address and choose the same network.

Stablecoin deposit#

Send USDC from any wallet or exchange on Base, Ethereum, Solana, Arbitrum, Optimism, Polygon, BNB Chain, Avalanche or Hyperliquid, or USDG on Robinhood Chain. Deposits on Base are direct and gas-sponsored; everything else is bridged for you and usually arrives within a minute. From Lighter, withdraw to your own wallet first. See Bridging between networks.

One-time Base deposit addresses#

Senddy creates a fresh Base address for each direct USDC deposit. The address is generated locally from your Senddy keys and is not your Senddy wallet's own address.

After USDC arrives:

1. Senddy detects the transfer and authorizes the pool deposit from the one-time address.
2. A Senddy relayer submits the transaction, so the address does not need ETH for gas.
3. The deposit is shielded into private notes.
4. The address is retired. Your next deposit receives a different address.

This prevents observers from trivially grouping your Senddy deposits through one permanent recipient address. It also avoids exposing a stable Senddy wallet address whenever you fund your account.

The funding transaction is still public. Its source, amount, and timing may provide correlation signals—especially when repeatedly funding from the same self-custody wallet. One-time addresses improve deposit privacy, but they do not make public blockchain transfers invisible.

Direct deposit#

Set up your employer's direct deposit to Senddy. Your paycheck starts earning yield immediately on arrival.

Withdrawing funds#

To a bank account#

Withdraw to your connected bank account via ACH. Free, with funds arriving in 1-2 business days.

To an address on any network#

Withdraw to an address on Base, Ethereum, Solana, Arbitrum, Optimism, Polygon, BNB Chain, Avalanche, Hyperliquid, Lighter or Robinhood Chain. Paste the address in Send and choose its network. This is a public onchain withdrawal: the money leaves your private balance and appears at the destination address.

To Cash App#

In Cash App, tap Deposit stablecoins in the Money tab, choose Solana, Ethereum, Polygon or Arbitrum, and copy the address. Paste it in Senddy's Send and choose the same network. Cash App turns the USDC into dollars in your Cash Balance.

Cash out#

Use Cash Out to withdraw to your bank or to Venmo. Venmo receives PayPal USD (PYUSD) on Arbitrum: choose Venmo, then paste your Venmo PYUSD address for the Arbitrum network (in Venmo: Crypto → PYUSD → Receive → Arbitrum). Senddy doesn't save it.

Fees#

Senddy's own fee per operation is in Pricing.

Minimums#

Direct Base deposits currently have a 0.10 USDC minimum. Withdrawals to another network have a 1 USDC minimum, and 5 USDC to Hyperliquid or Lighter. Deposits from Hyperliquid should be at least $20, given the flat bridge fee. Other methods may have provider limits shown in the app.