ACHEUR
Alchemy Pay / Euro
crypto Composite

Any ACH is going to have a hold.
You can try a P2P like BISQ, but you're going to be paying a premium.

I never trusted Coinbase when , I was a newby I was hacked in 2021 my first exchange. What a lesson I learned. I logged on to a Coinbase lookalike site. I logged in and it was locked. To call Coinbase, somehow they figured a way to buy $1000 of Btc hit to bank ACH was never initiated yet they got the btc and moved it off exchange. Coinvase locked my account up to this day. The liquidated all my crypto it wasn't much about $100. I gave up on them, not worth my time. It's a shit company as far as I feel.

The only solid explanation I can provide for you outside of what support is going to suggest is there is only a hold on ACH deposits.
If you initiated a wire transfer instead there would be no hold.

I ACH some USD every week without issue.

I was a big fan of Coinbase and I loved to use the Coinbase card. But not being able to use a vpn is annoying considering I always have one on and have to mentally think about that when logging in. I’ve also had issues with the customer service on Coinbase although the issue did get fixed. I’ve switched to using kraken specifically for these 2 reasons and I’m enjoying it. Only thing I wish kraken had was the ability to use a debit card. For some reason I can only set up ACH.

It’s the law for coinbase to flag a standard $12k ACH deposit and run to the IRS, or maybe coinbase being too skittish and false flagging customer accounts? Such simping for coinbase it’s unbelievable. $12k is not a lot of money to move via ACH, I’ve moved a lot around via ACH for years to/from savings and investing accounts and never had this issue of freeze until I try coinbase. Such nonsense. 
I’m happy for anyone who hasn’t had a bogus freeze from coinbase.  My concern and message to anyone reading is to look at this, plus all the other posts from people not having positive control their funds in coinbase, with basically zero recourse since coinbase customer service is almost nonexistent. Good luck y’all, and stay in control of your assets!!

I have accounts elsewhere. Gemini Active Trader has the lowest fees and spreads and I’m tempted to continue trading on the platform but if I do an ACH, I have to wait 5-7 days for it to clear and they can easily freeze my account in that time.

I created an account just to post this so others hopefully don't get stuck in the same situation. My simple ACH deposit is stuck in coinbase jail for months.
Warning, do not on-ramp USD to coinbase with intent to transfer out to another crypto wallet, as no fee USDC for example.
There is advice going around that coinbase is the cheapest and maybe best way to on-ramp USD and convert to USDC for transfer to external wallet, such as phantom for example. This is not true! Consider yourself warned!
My coinbase account been open for maybe 6 months. At the beginning deposited about only $400 USD via ACH, purchased SOL via coinbase and just had it sitting since. Recently withdrew that SOL out to a phantom wallet. No issues there.
Wanting more USDC in my phantom wallet for use on DEX.
Deposited $12k USD into coinbase via the same ACH bank. Transfers left bank OK and was available in coinbase immediately. Coinbase emailed about the hold of a few days until the funds can be withdrawn. I have no issue here, the wait is fairly standard.
Now close to the release of the hold, coinbase emails me that the withdrawal hold is now extended until the end of July. This is about 2 months my funds cannot be withdrawn from coinbase.
I've requested to coinbase customer service chat that coinbase instead withdraw my $12k USD back to the originating ACH bank. Customer service states this is not possible while the hold is in place. Chat confirmed my Identity is verified. The usual runaround others report. Rep has opened a case # and elevated it nonetheless. I do appreciate that but based on other online posts I don't expect anything to come of it.
However, conveniently for coinbase the funds are available to trade via coinbase during this time, so coinbase benefits from the fees.
My opinion is that this is not for security as coinbase states, but policy that works to their financial advantage. The "no cost" USDC transfers seems too good to be true and are potentially a big cost to me. Now my funds are sitting in coinbase jail. Options are to do nothing and miss the market, or buy SOL via the coinbase exchange and pay those high fees. However due to the fees I wont swing trade the crypto as intended, it's too costly to me.
I'd rather just withdraw my USD back to the original ACH account and go through a different on-ramp exchange, but coinbase won't allow it, which is insane.
Coinbase one to lower the fees? Sure, but I don't have faith Coinbase will actually cancel anything if I sign up, make the trade, and then cancel before the billing period. Seems simple but I've lost faith in coinbase.
I'm sure many many others have had a better experience. However I caution you that it may not be a question IF this will happen to you, but WHEN!
My recommendation to everyone is to not do business with any financial organization that imposes artificial and arbitrary holds on your money and blocks you from access to your money. Imagine if you have a life changing event and your need your money ASAP, but the bank won't give it to you, and instead acts like they are doing you a favor.
Plenty of better options out there. Good luck and happy trading!!

O cartão da Avax você consegue carregar com USDT/USDC e gastar em qualquer lugar que aceite Visa. Tem outros cartões que funcionam da mesma forma.
Se precisar de serviços de conta bancária, a DolarApp consegue receber stablecoins e funciona como uma conta digital nos EUA, pra residente no BR. Você pode mandar ACH pra outra conta, gastar no cartão, investir, etc. Mas tem um limite mensal.