What exactly is CacaoCash?

CacaoCash is a digital wallet built for people who travel or live in Latin America. It lets you pay with the QR codes locals use every day — Pix in Brazil, Mercado Pago in Argentina, and more — using money you load from abroad. No local bank account, no cash runs, no bad exchange rates.

How do I add money to my wallet?

Several ways — whatever's easiest for you: • ACH or SEPA bank transfer • Credit or debit card • SWIFT bank transfer • Crypto deposit (USDC and other major assets — paste your address or scan from any wallet) You'll always see the exact rate and any fees before you confirm. No surprises.

Do I need to verify my identity?

Yes, once. It's a quick in-app process — a photo of your ID and a selfie. It keeps your account secure and lets us work with regulated financial partners across the region. Most people finish in under 3 minutes.

What if a payment is pending, fails, or I get a refund?

Pending payments usually clear on their own within minutes. If a payment fails, your balance is returned immediately. Refunds land straight back in your wallet — no waiting, no friction. If anything ever looks wrong, our support team is one message away.

Are there hidden fees?

Never. Before every single payment, you'll see: • The exact amount being charged • The live exchange rate • Any applicable fees What you approve is exactly what leaves your wallet. That's a promise.

How do I know my money is safe?

CacaoCash is non-custodial — your funds are never pooled with anyone else's and every transaction requires your explicit approval. Identity verification and money movement are handled by licensed, regulated partners. You stay in control at all times.

Which countries are live?

CacaoCash is live today in: • 🇦🇷 Argentina — Mercado Pago QR Coming soon: • 🇧🇷 Brazil — Pix • 🇨🇴 Colombia • 🇵🇪 Peru — Yape

I lost my phone. What happens to my money?

Nothing bad. Your account is tied to your identity, not your device. Just install the app on a new phone, sign in, and everything is exactly as you left it — balance, transaction history, all of it.

How to Deposit to CacaoCash with Venmo or PayPal (2026)

Venmo and PayPal are two of the easiest ways to fund a CacaoCash wallet from the United States. Both apps let you buy and send PYUSD (PayPal USD) on the Solana network, and CacaoCash gives you a Solana address to receive it. You buy PYUSD inside Venmo or PayPal, send it to your CacaoCash address, and it lands as digital dollars, ready to pay QR codes in Argentina, no DNI and no local bank account required.

This is a two-part flow: first you buy PYUSD, then you send it. The screenshots below are from Venmo, but the steps in PayPal are nearly identical. The first time, it takes about five minutes. After that it's under a minute.

What's Actually Happening

It helps to understand the moving parts before you start:

CacaoCash holds digital dollars on Solana. When you open the PYUSD deposit option, the app shows you a Solana deposit address tied to your account.
Venmo and PayPal both support PYUSD on Solana. You first buy PYUSD at a flat 1 USD : 1 PYUSD rate, then send it on-chain to any Solana address.
The dollars arrive in CacaoCash, usually in under a minute, with no swap or conversion on the CacaoCash side.

You don't need any crypto experience. You're buying a digital dollar in one app and sending it to an address you copied from another.

Before You Start

A verified CacaoCash account (sign up takes a couple of minutes, passport or national ID, no DNI).
A Venmo or PayPal account with funds in your balance (both are available in the US). The amount you buy comes out of that balance or a linked payment method.
The amount you want to deposit.

Step-by-Step, Part 1: Get Your CacaoCash Address

In CacaoCash, open Deposit and choose PYUSD. Tap deposit, then on Select currency scroll to Digital Dollars and tap PYUSD (PayPal USD).

CacaoCash Select currency screen with the PYUSD option under Digital Dollars — In CacaoCash: Deposit → Select currency → PYUSD

Copy your Solana deposit address. The Deposit PYUSD screen shows Your Solana address. Tap the copy icon. Note the reminder: only send PYUSD on the Solana network.

CacaoCash Deposit PYUSD screen showing the Solana deposit address and a copy button — Copy your Solana address, only send PYUSD on the Solana network

Step-by-Step, Part 2: Buy PYUSD in Venmo

Open the Crypto tab and tap Buy. In Venmo (or PayPal), tap Crypto in the bottom navigation, then tap Buy.

Venmo Crypto screen showing the crypto balance with Buy and Receive buttons — In Venmo: Crypto tab → Buy

Choose PayPal USD (PYUSD). On the Choose a crypto to buy list, tap PayPal USD at the top.

Venmo Choose a crypto to buy list with PayPal USD (PYUSD) at the top — Pick PayPal USD (PYUSD) from the list

Enter the amount and buy. Type how much you want (for example $100), review the summary, it should read 1 USD : 1 PYUSD, then tap Buy PayPal USD.

Venmo Buy PayPal USD review screen showing the 1 USD to 1 PYUSD exchange rate and the Buy button — Confirm 1 USD : 1 PYUSD, then tap Buy PayPal USD

Step-by-Step, Part 3: Send PYUSD to CacaoCash

Back in the Crypto tab, tap Send. Once your PYUSD shows in your balance, tap Send.

Venmo Crypto screen showing a PYUSD balance with Buy, Sell, Send, and Receive buttons — In Venmo: Crypto tab → Send

Paste your CacaoCash address. In the recipient field (Name, PYUSD address, or ENS), paste the Solana address you copied from CacaoCash.

Venmo send screen with a search field for name, PYUSD address, or ENS — Paste your CacaoCash Solana address into the recipient field

Tap the Solana result and send. Venmo recognizes the address and shows a Send to result with the Solana logo. Tap it, confirm the amount, and send.

Tap the Send to result, then confirm to send

That's it. The PYUSD arrives in your CacaoCash balance, usually in under a minute, and you can start paying QR codes right away.

Important: Double-Check Before You Send

Crypto transfers can't be reversed. Make sure the address matches the one in CacaoCash before tapping Send.
Only send PYUSD on Solana. The CacaoCash address is a Solana address. Sending a different asset or using a different network can result in lost funds, Venmo warns about this too.
Run a small test the first time. If you're nervous, send a few dollars first, confirm it lands in CacaoCash, then send the rest.

Why Deposit with Venmo or PayPal

For US-based travelers and expats, Venmo and PayPal are familiar, widely-used on-ramps into CacaoCash:

Your dollars stay dollars. You buy and hold PYUSD, no early conversion to pesos at a tourist rate.
It's fast. Solana settles in seconds, so deposits typically show up in under a minute.
You pay like a local later. Once funded, you scan and pay any Argentine QR at the crypto dollar rate, no DNI, no local account. See how to pay QR codes in Argentina without a DNI, including how to pay Mercado Pago as a foreigner.

Frequently Asked Questions

What's the difference between this and depositing with Cash App?

With Cash App you send USDC directly. With Venmo and PayPal you first buy PYUSD (PayPal USD), then send it. Both arrive in CacaoCash as digital dollars on Solana. See the Cash App deposit guide.

How long does the deposit take?

Usually under a minute. Solana confirms transactions in seconds, and CacaoCash credits the PYUSD as soon as it lands on-chain.

What exchange rate do Venmo and PayPal use?

PYUSD is a dollar-backed stablecoin, so you buy it at a flat 1 USD : 1 PYUSD. You're holding the digital-dollar equivalent, one to one.

Which network do I use?

Solana. Your CacaoCash deposit address is a Solana address, and Venmo and PayPal send PYUSD on Solana. Don't use any other network.

Can I use Venmo or PayPal outside the United States?

Venmo is a US service; PayPal's crypto features are also US-focused. If you don't have access, you can fund CacaoCash other ways, including USDC from another wallet or exchange on Solana, or a bank transfer or card where available.