Methods to offramp USDT/USDC to IBKR

## Core Methods to Offramp USDT or USDC to IBKR **Primary Method (USDC Only)**: Interactive Brokers now supports **direct USDC deposits** (launched ~Jan 2026) via Zerohash partnership. Send USDC on Ethereum, Solana, or Base networks; auto-converts to USD in minutes. No IBKR fee; 0.30% Zerohash conversion (min $1) + network gas. **USDT Limitation**: No direct support. Use indirect paths: swap to USDC on-chain or sell-to-fiat on CEX then bank transfer. **UADC Note**: No confirmed stablecoin/token by this name in searches; likely typo for USDC. If distinct, treat as USDT (indirect only). ### Step-by-Step Guides #### 1. Direct USDC Deposit (Fastest, 24/7) | Step | Action | Details | |------|--------|---------| | 1 | Log in to IBKR Client Portal | Transfer & Pay → Deposit Funds → "Fund with Stablecoin" | | 2 | Select Network | Ethereum, Solana, or Base; get unique deposit address/QR from Zerohash | | 3 | Send USDC | From your wallet (e.g., Phantom for Solana); confirm network match. Credits as USD in ~minutes | | **Fees/Risks** | 0.30% conv. + gas; depeg/chain risks (not FDIC-insured) | Eligible IBKR LLC clients only; check limits/FAQs | Source: Official IBKR [stablecoin page](https://www.interactivebrokers.com/en/trading/stablecoin.php). #### 2. USDT → USDC Swap + Direct Deposit (Recommended for USDT) - Swap USDT to USDC via DEX (e.g., Jupiter on Solana, 1inch on ETH/Base; <0.1% fee + gas). - Then follow USDC direct steps. Total time: <1 hour; minimal slippage for stables. #### 3. CEX Fiat Offramp + Bank Transfer (Universal, Regulated) | Exchange | USDT/USDC Sell → USD | Withdrawal Method | Time/Fees to IBKR | |----------|-----------------------|-------------------|-------------------| | Coinbase | Instant sell | ACH (free, 1-3 days US) | ACH to bank → IBKR ACH (free) | | Kraken | Instant sell | ACH/wire | 0-1 day ACH; wire $10+ | | Gemini | Instant sell | ACH/wire | Similar; low fees | | Binance.US (US users) | Sell pairs | ACH | 1-3 days free | - Sell USDT/USDC → USD. - Withdraw to linked US bank (ACH preferred). - Deposit bank USD to IBKR (ACH free/instant for US; wires $10-30). - Total: 1-5 days; KYC required. Source: Standard CEX practices; IBKR [funding page](https://www.interactivebrokers.com/en/support/fund-my-account.php). ## Key Considerations - **Eligibility**: Direct USDC for IBKR LLC clients (US-regulated); verify account status. - **Risks**: Network congestion, depegs (rare for USDC), tax reporting (track basis). - **Costs Comparison**: | Method | Speed | Total Fees (for $10k) | |--------|--------|-----------------------| | Direct USDC | Minutes | ~$30 + gas | | USDT Swap+Direct | <1hr | ~$35 + gas | | CEX Fiat | 1-5 days | $0-50 | - **Monitor**: Upcoming RLUSD/PYUSD support; check IBKR for USDT addition. **Bottom Line**: Use direct USDC for speed; CEX fiat for simplicity/no wallet. Always match networks to avoid lost funds.