Use Peanut in the United States

Eligible users can add USD through ACH or wire. New York residents cannot use Peanut bank rails. Hold digital dollars and use supported payment routes.

Create a Peanut account

Peanut supports USD bank deposits and withdrawals for eligible verified users in the United States. You can also deposit and withdraw supported digital dollars. A bank account alone does not establish access: complete verification and use the routes shown for your account.

Eligible verified users can deposit USD through ACH or wire. They can withdraw by standard ACH or same-day ACH, both free, or by wire for a flat $20 fee (minimum $21). New York residents are excluded from Peanut bank rails; a US bank account does not override residence restrictions.

Add dollars to your balance

For an ACH deposit, Peanut gives you the bank details and instructions for the transfer. Copy the reference carefully and check the required sender name. A mismatch can delay the deposit or cause it to be returned. Follow the current instructions for each deposit instead of reusing old details.

USD bank deposits credit a digital-dollar balance. Same-currency USD ACH and wire routes have no Peanut fee or currency-conversion spread. The sending bank can still charge its own fee. Review the amount and instructions before sending. See the ACH deposit guide before making your first transfer.

Get started in the United States

1. 1

   Check your account

   Create your Peanut account and complete the verification required for bank transfers. Check which methods are available.

2. 2

   Choose how to add money

   For USD, use the current ACH deposit instructions. For a digital-dollar deposit, match the exact currency, network and address shown in Peanut.

3. 3

   Review the transfer

   Check the amount, reference and exchange quote. External banks and networks have their own processing times.

4. 4

   Use the credited balance

   Hold digital dollars, send a funded Peanut Link, use an eligible bank withdrawal, or pay through a supported QR flow.

Get paid with your own USD account

Verified users can also open a USD account: a routing number and an account number that you share once and reuse. In the app, go to Accounts, then Open new account, and tap Open USD account. Payments need no reference. ACH takes one to three business days, and a wire arrives the same day.

You can pay in from your own bank account, and any business can pay you with no limit. Another person can pay you less than $4,000 per payment, or any amount if they share your surname. If you live in Texas, only your own bank account can pay in. New York residents cannot open the account. The account is free to open and keep, and you can hold two accounts at a time. Read who can pay into your account.

Send or withdraw

With a funded balance, you can create a Peanut Link and share it with the recipient. They open and claim the link. An internal claim can be instant once the link is funded; external funding and bank payouts have separate timing and eligibility requirements. Read the link guide for the full flow.

Eligible users can also send directly to a supported bank account. ACH transfers can go to your own account or another person's eligible account. Review the beneficiary details and USD amount before confirming.

Pay while visiting Argentina or Brazil

In Argentina, Peanut supports Mercado Pago merchant QR payments. In Brazil, use supported Pix payments. Check the merchant, local amount and final exchange quote before confirming.

Passport verification can support these QR payments. Local ARS and BRL bank deposits and withdrawals have separate residence and tax-ID requirements; QR access does not unlock them. Set up and fund your account before you rely on it for a purchase.

Cash App and Venmo support is planned

Peanut lists Cash App and Venmo as planned, with no published launch date. These integrations are separate from the USD bank transfers available to eligible users today.

Costs and arrival times

Same-currency USD ACH transfers, standard or same-day, have no Peanut fee or conversion spread. A USD wire withdrawal has a flat $20 fee, deducted from the amount sent. Network withdrawal charges vary, and a sending wallet or bank may charge separately. Check current pricing for the route you intend to use.

A deposit, a funded Link claim and a bank withdrawal are different steps. Bank processing, verification and incorrect details can delay a transfer, so allow time for the balance to arrive before a bill or trip.