Cheapest Way to Send USDC
Compare fees for sending USD Coin (USDC) across all major platforms. See the true cost of each service — Moai.cash charges $0, others charge up to $50+ per transfer.
Save up to $90 per $1,000 transferTransfer Fee Comparison
| Service | Fee | Speed | KYC | Notes |
|---|---|---|---|---|
MoaiFREE | $0 | Instant | Required | Send 100 USDC, recipient gets 100 USDC |
Coinbase | Free (Base/Polygon) · $3–10 (ERC-20) | Instant–5 min | Required | Free between Coinbase users; network fee on external sends |
Binance | $0–0.10 (Solana) · $3.20–10 (ERC-20) | 5 sec–5 min | Required | Withdrawal fee varies by network |
Crypto.com | $0.008 (Cronos) · $1.28 (ERC-20) | 3 sec–60 min | Required | Cheapest on Cronos chain |
Wise | ~0.59% ($5.90 per $1,000) | 1–5 days | Required | Mid-market exchange rate, no FX markup |
Western Union | $0.99–10.89 + up to 5% FX markup | Minutes–7 days | Required | FX markup hidden in exchange rate |
PayPal | 5% + $0.30 + 4% FX spread | 1 day | Required | High fees for international; FX spread added |
Revolut | £1–3 + network fee | Minutes | Required | Service fee on top of blockchain network fee |
Send 100 USDC, recipient gets 100 USDC
Free between Coinbase users; network fee on external sends
Withdrawal fee varies by network
Cheapest on Cronos chain
Mid-market exchange rate, no FX markup
FX markup hidden in exchange rate
High fees for international; FX spread added
Service fee on top of blockchain network fee
What Do You Actually Pay?
Enter the amount you want to send and see what the recipient actually receives with each service.
USDC 1,000.00
You pay $0 in fees
You save up to $90.30 vs other services
$995.00
Fee: $5.00
You lose $5.00 in fees
$996.80
Fee: $3.20
You lose $3.20 in fees
$998.72
Fee: $1.28
You lose $1.28 in fees
$993.60
Fee: $6.40
You lose $6.40 in fees
$945.00
Fee: $55.00
You lose $55.00 in fees
$909.70
Fee: $90.30
$996.50
Fee: $3.50
You lose $3.50 in fees
How Moai.cash Sends USDC for Free
Open Telegram
Start a chat with Moai.cash bot — no extra app to download
Send USDC
Choose a recipient and amount — just like sending a message
They Get 100%
Recipient receives every cent — zero fees, zero deductions
About This Comparison
Sending USDC (USD Coin) should be simple and cheap — but most platforms add fees on top of network costs. Some charge withdrawal fees, others add spread markups, and traditional services require fiat conversion first.
USDC is the most widely adopted stablecoin, backed 1:1 by US dollar reserves. It's available on multiple blockchains including Solana, Ethereum, Base, and Polygon — each with different transaction costs.
Moai.cash offers a fundamentally different approach: zero-fee transfers on Telegram. When you send USDC on Moai, the recipient receives exactly what you send — no deductions, no markups, no hidden costs. Just open Telegram, send, and it arrives instantly.
Frequently Asked Questions
How much does it cost to send Usdc?
It depends on the platform. On Moai.cash, sending Usdc is completely free — $0 in fees. On exchanges, withdrawal fees range from free (on L2 networks) to $10+ on Ethereum. Traditional services like Wise charge ~0.59%, and PayPal can cost up to 9% for international sends.
Is there a fee-free way to send Usdc?
Yes — Moai.cash charges zero fees for Usdc transfers. Send any amount and the recipient receives exactly what you send. No withdrawal fees, no spread markups, no network charges passed to you. Just open Telegram and send.
What's the cheapest way to send Usdc internationally?
Moai.cash is the cheapest option at $0 per transfer. If you're self-custodying, Solana and Base networks offer near-zero fees. Among traditional services, Wise is typically the cheapest at ~0.59%, but it's still not free and takes 1–5 days.
How long does it take to send Usdc?
On Moai.cash, Usdc transfers are instant — the recipient gets it within seconds. On-chain transfers take anywhere from <1 second (Solana) to 5+ minutes (Ethereum during congestion). Traditional services like Wise take 1–5 business days, and bank wires take 3–5 days.
Is sending Usdc on Moai really free?
Yes, 100%. Moai.cash charges zero fees on Usdc transfers. When you send Usdc on Moai, the recipient gets the exact amount you sent — no deductions, no markups, no hidden charges. The fee is $0 whether you send $1 or $100,000.
Send USDC with Zero Fees
Stop paying $5–50 per transfer. On Moai.cash, you send USDC and the recipient gets 100% — every time. No hidden fees, no FX markup, instant delivery on Telegram.
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