PYUSD to ZEC: Exchange PayPal USD for Zcash Without KYC

Exchange PYUSD to ZEC: send PayPal USD (PYUSD, an ERC-20 token on Ethereum) and receive Zcash (ZEC) in your own wallet, with no account and no KYC. Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address.

Updated 19 October 2026

  • 10–25 min
  • No account · No KYC
  • Paid to your wallet
  • Fees included in quote
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PYUSD
PYUSD
ZEC
ZEC


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PayPal USD Logo
PYUSD
PayPal USD
Price:
$1.00
24h Change:
-0.01%
Market Cap:
$3.04B
Volume (24h):
$57.77M
Circulating Supply:
3.04B PYUSD
Zcash Logo
ZEC
Zcash
Price:
$1,211.03
24h Change:
-9.35%
Market Cap:
$20.58B
Volume (24h):
$1.14B
Circulating Supply:
17.00M ZEC

Data by CoinGecko

PYUSD to ZEC Exchange Rate

1 PYUSD = 0.000826 ZEC

The 1 PayPal USD to Zcash reference rate at market prices, before fees. The exact amount, minimum and maximum are shown in the exchange box before you send.

Live market rate

PYUSD to ZEC swap at a glance

Everything that is specific to swapping PayPal USD to Zcash on GhostSwap.

PayPal USD (PYUSD)You send · ERC-20 token on Ethereum
Zcash (ZEC)You receive · Zcash network

Zcash supports shielded transfers, which hide the sender, receiver and amount once the coins are in a shielded address. It is a cross-chain swap from Ethereum to Zcash, with no bridge and no wrapped tokens.

Swap time
10–25 minuntil your ZEC is sent
Network fee
Paid in ETHkeep a little ETH too
Account / KYC
NoneNo sign-up, email or ID for standard swaps
Tracking
Live status pagePYUSD on Etherscan · ZEC on Blockchair
Your ZEC address
Zcash addressIt starts with t1 or t3 for a transparent address. Wallets: Zodl (formerly Zashi), Zkool or Zingo.
Reference rate
1 PYUSD ≈ 0.000826 ZEC1 ZEC ≈ 1,211.03 PYUSD · market prices, 22 Oct 2026
Minimum
About 31 PYUSDThe exact minimum and maximum are shown in the exchange box before you send.
  1. Send PYUSDAbout 2–5 minutes to confirm on Ethereum
  2. GhostSwap swaps itAt the floating rate, fees already in the quote
  3. Receive ZECSent to your address; Zcash confirms in about 10–20 minutes
Facts checked 22 Oct 2026Reverse: ZEC to PYUSD

How much ZEC do I get for PYUSD?

GhostSwap quotes at 22 Oct 2026, 23:41 UTC. What lands in your wallet: service fee and ZEC network fee already deducted.

After all fees
100PYUSD
0.080670ZEC
500PYUSD
0.405043ZEC
2,500PYUSD
2.0267ZEC

The rate floats with the market until your PYUSD deposit confirms. The minimum for this pair is about 31 PYUSD. Enter any amount in the exchange box above for a live quote; no account needed.

PYUSD to ZEC at the market rate, before fees

PYUSDZEC, market rate, before fees
31 PYUSD0.025598 ZEC
50 PYUSD0.041287 ZEC
100 PYUSD0.082574 ZEC
250 PYUSD0.206436 ZEC
500 PYUSD0.412872 ZEC
1,000 PYUSD0.825743 ZEC
5,000 PYUSD4.1287 ZEC
10,000 PYUSD8.2574 ZEC

Market prices of $1.0000 per PYUSD and $1,211.03 per ZEC on 22 Oct 2026. The box above shows the amount after all fees.

PYUSD to ZEC price chart, market rate before fees

PYUSD/ZEC

Loading chart...

How do I exchange PYUSD to ZEC?

  1. Pick PYUSD and ZEC

    Pick PYUSD in “You send” and ZEC in “You get”, then enter the amount. The box shows how much ZEC you get after all fees, and the minimum for this pair.

  2. Paste your Zcash address

    Paste the Zcash address that should receive the ZEC: it starts with t1 or t3 for a transparent address. Wallets that work: Zodl (formerly Zashi), Zkool or Zingo. Then enter the Ethereum address you send PYUSD from; a refund, if ever needed, goes there.

  3. Send PYUSD on Ethereum

    Send exactly the amount shown from your own Ethereum wallet to the one-time deposit address, on the Ethereum network (as an). Keep a little ETH in that wallet for the network fee.

  4. Receive ZEC

    Your ZEC is usually paid out 10–25 minutes after you send your PYUSD, and Zcash then confirms it in about 10–20 minutes. Follow each step on the status page with your swap ID.

Common mistakes with PYUSD to ZEC

  • Pasting a unified (u1...) address instead of a transparent t1 or t3 address.
  • Reusing an old t-address that already links to other activity.
  • Sending from an exchange account, so the sender address isn't yours and a refund can't reach you.
  • A Ethereum wallet with no ETH for the network fee.
  • Sending PYUSD on a different network than Ethereum.

PYUSD to ZEC: questions and answers

Everything you need to know about exchanging PYUSD to ZEC on GhostSwap.

Which Zcash address do I use to receive ZEC?
A transparent address that starts with t1 or t3. Unified (u1...) and shielded (zs...) addresses cannot receive the payout. In Zodl, Zkool or Zingo, open Receive and copy the transparent address.
How do I make the ZEC private after it arrives?
Shield it: in Zodl, Zkool or Zingo, move the balance from the transparent address into the shielded pool. After that the sender, receiver and amount are hidden.
How long does it take to swap PYUSD to ZEC on GhostSwap?
Most PYUSD to ZEC swaps are paid out within 10–25 minutes: the PYUSD deposit needs about 2–5 minutes to confirm on Ethereum, then the ZEC is sent to your wallet, and Zcash confirms the payout in about 10–20 minutes. Busy networks can add a few minutes.
How much is 1 PYUSD in ZEC?
1 PYUSD is worth about 0.000826 ZEC at the market rate, before fees (market prices, 22 Oct 2026). GhostSwap's quote in the exchange box already includes the service fee and the ZEC network fee. The minimum for this pair is about 31 PYUSD. The rate floats with the market until your PYUSD deposit confirms, so the exchange box shows the exact amount before you send.
Do I need KYC or an account to exchange PYUSD to ZEC?
No. GhostSwap has no accounts: you paste the Zcash address that should receive the ZEC, send PYUSD from your own wallet, and the ZEC goes straight to that address. No email, phone number or ID upload.
What are the fees for converting PayPal USD to Zcash?
The GhostSwap fee is already included in the rate in the exchange box, so the ZEC amount you see is what you receive. On top of that, your wallet needs a little ETH to pay the Ethereum network fee for sending PYUSD.
Can I track my PYUSD to ZEC swap?
Yes. After initiating your swap, GhostSwap provides a transaction status page where you can monitor progress in real-time. You can also track your PYUSD payment on Etherscan (https://etherscan.io) and your incoming ZEC on Blockchair (https://blockchair.com/zcash).
Is it safe to exchange PYUSD for ZEC on GhostSwap?
GhostSwap has no accounts and no stored balance: your PYUSD deposit is converted and the ZEC is sent straight to the Zcash address you enter, so check that address twice, Zcash transfers cannot be reversed.
Can my PYUSD to ZEC swap be traced?
Your PYUSD transaction to GhostSwap is visible on the Ethereum (ERC-20) blockchain since PayPal USD is transparent: token balances and transfers are public on Etherscan. However, once your ZEC arrives in your wallet, Zcash privacy is optional: it supports both transparent (public) and shielded (fully private) transactions via zk-SNARKs. By swapping PYUSD to ZEC on a no-KYC exchange like GhostSwap, there is no account linking the two transactions together.
Why swap PYUSD to ZEC?
Converting PayPal USD to Zcash moves dollar-pegged funds into Zcash. Zcash is used for optional privacy-shielded transactions using zero-knowledge proofs. Unlike a stablecoin, its price moves with the market. GhostSwap needs no account on a centralized exchange and no KYC.

What is PayPal USD? PayPal USD (PYUSD) is a stablecoin issued by PayPal, pegged 1:1 to the U.S.

What is Zcash? Zcash (ZEC) is a privacy-focused cryptocurrency that pioneered the use of zero-knowledge proofs (zk-SNARKs) in blockchain technology. Zcash price today

More PYUSD and ZEC pages

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