Three networks support the payout option now available inside Tangem Pay.

Tangem said on Oct. 13, 2026 that USDC held in Tangem Pay can now be paid out as US dollars to a US bank account. NFA.

How the feature works

The service accepts USDC on Polygon, Base and Arbitrum. Recipients may be the account holder, another individual or a business. Each transfer uses either ACH or FedWire rails chosen at the time of the request. Confirmation happens through a tap on the associated Tangem hardware card.

Users begin the process by opening the Withdraw section of the app. They select the bank transfer option and supply the amount along with recipient details. The review screen appears next, after which the request is submitted. The receiving bank must be located in the United States. The recipient address itself may be anywhere in the world.

Availability and limits

Access depends on the country where the Tangem Pay account received verification. Where supported, the option appears directly in the application. The Tangem Wallet itself remains non-custodial. Tangem Pay functions as a separate payment account that sits inside the same app. Funds can also be returned from Tangem Pay to the wallet in the form of USDC or USDT if needed.

The announcement focused on the practical steps required to complete a transfer. No additional approvals or intermediaries are described beyond the hardware card tap. The help documentation outlines the sequence without reference to external approvals. Users in supported regions can therefore initiate the move from within the existing interface.

Separate account structure

Tangem Pay operates alongside the non-custodial wallet. The two services share the same application yet maintain distinct functions. This separation keeps the wallet rules unchanged while adding the bank transfer path through the payment account. The post from Tangem on October 13, 2026 presented the feature as ready for immediate use by verified accounts.

The help center entry explains that the bank must be domestic while the recipient address can be international. This distinction allows flexibility for users whose mailing address sits outside the United States yet who hold a verified US bank relationship. The choice of ACH or FedWire remains with the sender for each individual request.

Summary of steps

The documented flow stays straightforward. Open Withdraw, choose bank transfer, enter the amount and details, review and send. Each step occurs inside the app after the initial verification country has been established. No other services or external platforms are required for the core action.

Tangem presented the update as an expansion of the Pay service rather than a change to the wallet. The hardware card confirmation remains the final control point before the transfer proceeds. The announcement and supporting documentation together provide the complete set of instructions for users who already have access to the feature.