> ## Documentation Index
> Fetch the complete documentation index at: https://docs.myproceeds.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Settle to a wallet or bank

> Withdraw USDC to a wallet you control, or off-ramp to a US bank account via ACH.

When agents pay your paywalls, USDC accumulates in your Proceeds wallet. Settle in two ways:

1. **Withdraw to a wallet** — send USDC on the same chain to an address you control
2. **Off-ramp to a bank via ACH** — convert USDC to USD and deposit it in a US bank account using Bridge

## Withdraw to a wallet

On the [Wallet](/dashboard/wallet) page:

1. Open **Withdraw** on the holding you want to settle
2. Enter an amount (or **Max**)
3. Set **Destination** to the same chain (for example **Base**)
4. Click **Withdraw**

Withdrawals route **per chain**. Circle balances settle from Gateway holdings first.

Tempo balances are held and withdrawn as [USDC.e](https://tempo.xyz/developers/docs/guide/bridge-layerzero#usdce-and-native-usdc), the bridged USDC on Tempo. Bridging USDC.e from Tempo to native USDC on Ethereum is fee-free via Stargate.

## Off-ramp to a bank via ACH

Proceeds can turn USDC into dollars and deposit them in a US bank account via **ACH**, powered by [Bridge](https://bridge.xyz). Connect a bank once in **Settings**, then choose **Bank (ACH)** as the withdrawal destination on the [Wallet](/dashboard/wallet) page.

### What you need

* A **US bank account** that can receive ACH deposits
* Your **full legal name** (individual) or business details (company)
* Government-issued ID ready for Bridge identity verification

### 1. Connect a bank account

Bank linking lives under **Settings** (profile menu → **Settings**), in the **Bank account** section:

<Steps>
  <Step title="Open Settings">
    Open the profile menu in the bottom-left of the dashboard and choose **Settings**.
  </Step>

  <Step title="Choose Individual or Business">
    Under **Bank account**, select **Individual (KYC)** or **Business (KYB)**.
  </Step>

  <Step title="Enter your details">
    Provide your full legal name. Your account email is prefilled.
  </Step>

  <Step title="Connect via ACH">
    Click **Connect Bank Account via ACH**. Proceeds opens Bridge identity verification (hosted with Persona).
  </Step>

  <Step title="Complete verification in one session">
    Finish every Bridge/Persona step in a single session — progress is not saved if you exit early. Have a passport or ID card ready.
  </Step>
</Steps>

### 2. Withdraw via Bank (ACH)

After your bank is linked, off-ramp from the [Wallet](/dashboard/wallet) page:

<Steps>
  <Step title="Open Withdraw">
    On **Wallet**, open **Withdraw** for the holding you want to cash out (for example **Base**).
  </Step>

  <Step title="Enter the amount">
    Enter how much USDC to send, or click **Max**. The modal shows the available balance for that source.
  </Step>

  <Step title="Choose Bank (ACH)">
    Open the **Destination** dropdown and select **Bank (ACH)** — not the chain destination used for onchain withdrawals.
  </Step>

  <Step title="Confirm">
    Click **Withdraw**. Bridge converts USDC → USD and deposits it to your linked bank via ACH.
  </Step>
</Steps>

<Note>
  A **0.50%** fee applies to bank withdrawals. Off-ramp is powered by Bridge.
</Note>

## Which path?

| Goal                  | Path                                                                            |
| --------------------- | ------------------------------------------------------------------------------- |
| Keep USDC onchain     | Withdraw with **Destination** set to a chain                                    |
| Need USD in a US bank | Connect a bank in Settings, then withdraw with **Destination** = **Bank (ACH)** |
| Reconcile revenue     | Cross-check [Transactions](/dashboard/transactions) against Wallet              |

<CardGroup cols={2}>
  <Card title="Wallet dashboard" icon="wallet" href="/dashboard/wallet">
    Holdings, Withdraw modal, and ACH destination.
  </Card>

  <Card title="Monitor payments" icon="chart-line" href="/quickstart/monitor-payments">
    Confirm revenue before you settle.
  </Card>
</CardGroup>