OwlPay Wallet Pro: Complete Guide (Part 3)｜Send USDC with Real-Time Conversion to Local Currency

In the previous article, we demonstrated how to add a new recipient and fill in their account details. Now, in this guide, we'll walk you step-by-step through the Send feature to convert and transfer USDC directly as local currency (fiat) to your recipient's bank account. Get ready to experience fast, low-cost cross-border payments with OwlPay Wallet Pro!

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Step 1: Select A Recipient

• From the home screen, tap [Send].
• Choose whether you want to send [Crypto] (direct USDC to a wallet) or [Fiat] (USDC will be automatically converted and sent as local currency to the recipient’s bank account).
• Select an existing contact.
• If you haven't added a recipient yet, tap [Add recipient] at the bottom. (Here's [How to Add New Recipients])

Step 2: Choose Network

• Choose the USDC network you want to use & enter the amount.
• Review everything, then tap Continue.

Step 3: Verify your Email

• Check your inbox.
• Enter the 6-digit code in the app.
   

Step 4: Select Your Transfer Option

• You will see the payout options for the recipient’s country.
• Choose the option you prefer.
  • The cheapest transfer method will be marked with a “Low fee” label, while the one with the estimated shortest arrival time will display a ”Fastest“ label.
• If any transfer methods show “Set up now”:
  • Tap “Set up now” → it will redirect you to the web platform to complete a quick one-time bank setup (takes 1–2 minutes).
     
• Once the desired option is selected, tap [Continue] at the bottom.
• Select [Recipient account]
• Select [Transaction purpose]
• Review transfer details and tap [confirm]
   

• You’ll immediately see Transaction submitted. Your USDC is deducted instantly and shows as “Succeeded” in History.
• The recipient side shows as Processing while the local banking rails handle the payout.
• Once completed, the transaction in History turns green on both sides and the recipient receives the full local-currency amount directly in their bank account (no crypto wallet needed on their end).
   

❏ Important:

The Send feature (convert USDC to fiat and deposit directly into the recipient’s local bank account) currently supports payouts to bank accounts in the following countries:

(More countries are being added regularly, so stay tuned for updates!)

Related Articles:

• Still don't have a wallet, or want to set up a brand new one?   
  → Refer to this detailed tutorial: OwlPay Wallet Pro Guide (Part 1): Create or Import Your Wallet in Minutes
• Haven't added the recipient yet?
  → Refer to our previous guide: OwlPay Wallet Pro: Complete Guide (Part 2)｜Add Recipients and Start Sending Globally
• New Feature: Send USDC Directly to Local Bank Accounts | OwlPay Wallet Pro

📍Download OwlPay Wallet Pro Now!