Stablecoin Transfer Fees Compared
Stablecoins like USDC and USDT were designed to make moving money as easy as sending a message — but network fees can still add up, especially on Ethereum where a single USDC transfer can cost $1–10+ during peak hours.
Save up to $5 per $1,000 transferTransfer Fee Comparison
| Service | Fee | Speed | KYC | Notes |
|---|---|---|---|---|
Moai (USDC)FREE | $0 | Instant | Required | Send 100, they get 100 |
USDC on Solana | $0.00025 | <1 sec | Optional | Self-custody |
USDC on Base | <$0.01 | ~2 sec | Optional | Self-custody |
USDC on Polygon | $0.01–0.05 | ~2 sec | Optional | Self-custody |
USDT on TRC-20 | $0.50–4.00 | ~3 sec | Optional | Popular for USDT transfers |
USDC on Ethereum | $1–10+ (gas) | 1–5 min | Optional | Variable gas fees |
USDC on BSC | $0.002 | ~3 sec | Optional | Very cheap but less decentralized |
Send 100, they get 100
Self-custody
Self-custody
Self-custody
Popular for USDT transfers
Variable gas fees
Very cheap but less decentralized
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 $5.00 vs other services
$1000.00
Fee: $0.00
You lose $0.00 in fees
$999.99
Fee: $0.01
You lose $0.01 in fees
$999.95
Fee: $0.05
You lose $0.05 in fees
$999.00
Fee: $1.00
You lose $1.00 in fees
$995.00
Fee: $5.00
$1000.00
Fee: $0.00
You lose $0.00 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
Stablecoins like USDC and USDT were designed to make moving money as easy as sending a message — but network fees can still add up, especially on Ethereum where a single USDC transfer can cost $1–10+ during peak hours.
The good news is that cheaper networks exist. Solana charges $0.00025 per transfer, Base costs under $0.01, and BSC is around $0.002. The challenge is knowing which network to use and having wallets set up for each one.
Moai.cash simplifies this entirely. You send USDC on Moai, and the platform handles the network routing — at zero cost to you. Whether you're sending $10 or $10,000, the fee is always $0. The recipient gets exactly what you send, delivered instantly through Telegram.
Frequently Asked Questions
How much does it cost to send USDC?
It depends on the network. Moai.cash charges $0. On Solana, the network fee is $0.00025. On Base, it's under $0.01. On Polygon, $0.01–0.05. On Ethereum, it can be $1–10+ depending on gas. On BSC, it's about $0.002.
What is the cheapest network for stablecoin transfers?
Moai.cash is the cheapest at $0 — the platform covers all network costs. If self-custodying, Solana is cheapest at $0.00025 per transfer, followed by BSC ($0.002) and Base (<$0.01). Ethereum mainnet is the most expensive at $1–10+.
Is it cheaper to send USDC or USDT?
Network fees are similar for both stablecoins. The key difference is network support: USDC is natively supported on more chains (Solana, Base, Polygon, Arbitrum), while USDT is most popular on TRC-20 (Tron) where fees are $0.50–4.00. On Moai.cash, both are free to send.
How can I avoid high Ethereum fees for stablecoin transfers?
Use L2 networks instead of Ethereum mainnet. Base, Arbitrum, and Optimism all support USDC with fees under $0.01. Or use Moai.cash which routes transfers at zero cost — no need to worry about which network to use.
Can I send stablecoins for free?
Yes — Moai.cash offers completely free USDC transfers with $0 in fees. The recipient gets 100% of what you send, delivered instantly through Telegram. No wallet setup, no network fees, no hidden costs.
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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