When will Cash App and Venmo spending be available in Peanut?

Peanut is actively working on Cash App and Venmo integration for the US market. Sign up to get notified when the service launches — you will be among the first to know.

What payment methods will be supported in the US?

Peanut plans to integrate with both Cash App (50M+ users, QR payments, Cash Card) and Venmo (P2P payments, online checkout, Venmo Debit Card). Together, these cover the vast majority of how Americans pay each other and shop.

How do I get early access?

Sign up at peanut.me to join the notification list. When Peanut launches Cash App and Venmo spending in the US, early sign-ups will be the first to get access.

Will the recipient need an SSN?

Peanut verification uses passport-based identity checks. The recipient will not need an SSN to verify with Peanut, though they may need one for accessing certain local financial features independently.

Can I already deposit and withdraw in the US?

Yes. US users can already deposit via ACH (free), wire transfer (free from Peanut), and digital dollars. Withdrawals via ACH are also free. Cash App and Venmo integration adds the local spending layer that is coming soon.

How is Peanut different from just using Venmo or Cash App directly?

Peanut adds the cross-border layer. You can receive money from anywhere in the world — Europe, Latin America, Asia — into your Peanut account, then spend locally through Cash App and Venmo. Neither Cash App nor Venmo supports international incoming transfers directly.

Will both Cash App and Venmo work, or do I have to choose?

Peanut plans to integrate with both. Recipients will be able to use whichever app they prefer, or both, depending on the situation.

Send Money to the United States with Peanut — Coming Soon

Peanut is expanding local spending in the US. Soon recipients will be able to spend via Cash App and Venmo — the payment apps 100M+ Americans use daily.

Send Money to the United States with Peanut — Coming Soon

The United States is home to Cash App (50 million+ users) and Venmo (strong P2P adoption) — the two payment apps that define how Americans split bills, pay friends, and increasingly pay merchants. "Venmo me" is part of everyday vocabulary. Cash App's QR payments and Cash Card work at millions of merchants. But sending money to the US from abroad still involves slow international wires, high fees, and exchange rate markups that reduce the dollars the recipient receives.

Peanut is building a better way. Soon you will be able to send money to the United States and have the recipient access funds through Cash App and Venmo — paying friends, splitting bills, shopping at merchants, and more. No fees, no SSN required for Peanut verification.

The US already supports deposit and withdrawal via ACH, wire, and digital dollars. Cash App and Venmo integration will complete the picture by adding local spending capabilities.

Why Peanut Will Be the Best Way to Send Money to the US

Better Exchange Rate

International transfers to the US typically involve currency conversion from EUR, GBP, or other currencies to USD. Traditional services add their own markup to the exchange rate. Wise charges a variable fee plus a rate markup. Bank wires involve intermediary charges. Peanut converts directly at a competitive market rate, cutting out the layered costs.

No Fees

Peanut charges nothing on deposits, sending, or local spending. No transfer fees, no receiving fees, no hidden conversion charges. US-based recipients already have access to free ACH deposits and withdrawals. Cash App and Venmo integration will add free local spending on top of that.

Instant via Cash App and Venmo

Cash App and Venmo both support instant person-to-person transfers and growing merchant payment capabilities. Cash App offers QR payments at Square-powered merchants plus the Cash Card (Visa debit) for spending anywhere Visa is accepted. Venmo offers QR merchant payments, online checkout integration through PayPal's network, and the Venmo Debit Card (Mastercard). When Peanut integrates with both, recipients will have comprehensive local spending options.

No SSN Required for Peanut

The Social Security Number (SSN) is required for most US financial services. Non-residents use an ITIN (Individual Taxpayer Identification Number) as an alternative. Peanut verification uses passport-based identity checks — recipients will verify with any passport without needing an SSN for Peanut access.

How It Will Work

1
Sign up and verify
Create a Peanut account and complete identity verification with your passport. Takes under 2 minutes for most users.
2
Deposit funds
Fund your Peanut account via SEPA from Europe (free, most under 20 minutes), digital dollars from any major exchange, or wire transfer.
3
Send to your recipient
Your recipient creates a Peanut account or receives funds to an existing one. Peanut-to-Peanut transfers arrive instantly. US recipients can also deposit via ACH.
4
Recipient spends via Cash App or Venmo
The recipient pays friends, splits bills, and shops at merchants through Cash App and Venmo — the payment apps Americans already use every day.

What the Recipient Will Be Able to Do

Pay via Cash App

Cash App offers multiple spending options. QR payments work at Square-powered merchants and select retailers. The Cash Card (a free Visa debit card) is accepted anywhere Visa is accepted — grocery stores, restaurants, gas stations, online retailers. Cash Boost provides rotating cashback offers at merchants like Starbucks, Walmart, and DoorDash. P2P transfers work via $cashtag, phone number, or QR code.

Pay via Venmo

Venmo enables P2P payments by username, phone number, or QR code. Merchant QR payments work at select retail locations. Online checkout is available at major e-commerce sites through PayPal's integration — Amazon, Uber, DoorDash, Grubhub. The Venmo Debit Card (Mastercard) is accepted anywhere Mastercard is accepted. The Venmo Credit Card offers cashback rewards.

Send to Friends

Both Cash App and Venmo are built for social payments. The recipient can split dinner, pay rent, settle debts, and send to anyone in the US using just a phone number, email, $cashtag, or Venmo username.

ACH and Wire Withdrawals

US recipients already have access to free ACH deposits and withdrawals (1-3 business days) and wire transfers. Cash App and Venmo integration adds the instant local spending layer on top of this existing infrastructure.

Bank Withdrawal

Direct withdrawal to a US bank account via ACH (free, 1-3 business days). For faster access, digital dollar withdrawals arrive in minutes.

How Much Will It Cost?

Peanut charges no fees on any operation. For transfers involving currency conversion (e.g., EUR to USD), the exchange rate converts directly at a competitive market rate.

Service	Fee	Exchange Rate	Recipient Gets
Peanut (planned)	$0	Market rate	More dollars
Wise	~$3-6	Mid-market with markup	Less
PayPal	~$5 + 3-4%	Below mid-market	Significantly less
Western Union	$5-15	Worst rate	Least
Bank wire	$25-80+	Bank markup	Variable

Get Notified

Sending from Specific Countries

Send Money from Europe to the United States

European senders will deposit via SEPA (free, 90% arrive in under 20 minutes). The EUR-to-USD conversion happens at a competitive market rate. The US recipient then spends via Cash App or Venmo instantly — a major improvement over international wire transfers that take 1-5 days and charge $25-$80+ in combined fees.

Send Money from Latin America to the United States

Latin American senders with digital dollars can deposit via supported networks (arriving in minutes). The recipient in the US accesses funds through Cash App and Venmo. This is especially valuable for the growing number of cross-border workers and digital nomads moving between Latin America and the US.