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See How Much You Save
Compare the true cost of a bank wire vs sending stablecoins for your specific corridor.
~$55 on $1,000
~$6 on $1,000
on a $1,000 transfer from USA to Mexico by using USDC on Solana instead of a bank wire.
* Estimates based on typical bank wire fees and exchange spreads. Actual costs vary. Exchange spread (0.5–1%) is included in the crypto estimate.
How to Send Money with Crypto
Four simple steps from your bank account to the recipient's local currency.
Buy Stablecoins
Open a Coinbase or Kraken account. Complete KYC (passport + selfie, ~10 min). Buy USDC or USDT with your local currency via bank transfer or debit card.
Send to Recipient
Get the recipient's wallet address (Coinbase, Trust Wallet, or exchange). Send USDC/USDT to their address. Choose the cheapest network (Solana for USDC, Tron for USDT).
Recipient Receives
Funds arrive in seconds to minutes. The recipient sees the stablecoins in their wallet. No exchange rate risk — USDC/USDT is always $1.
Cash Out Locally
Recipient sells stablecoins on a local exchange (Binance P2P, Luno, Bitso, etc.) for local currency. Funds arrive in their bank account within minutes to hours.
Stablecoin Comparison
All four are pegged 1:1 to the US dollar. The differences are in network fees, speed, and availability.
| Stablecoin | Best Network | Network Fee | Settlement | Regulated | Best For |
|---|---|---|---|---|---|
USDC Circle | Solana | $0.001 | < 5 seconds | US senders, regulated corridors | |
USDT Tether Ltd. | Tron | ~$1 | < 1 minute | Partial | Asia, Africa, high-volume corridors |
BUSD Paxos / Binance | BNB Chain | < $0.10 | < 3 seconds | Binance ecosystem users | |
DAI MakerDAO (decentralized) | Polygon | < $0.01 | < 2 seconds | Partial | DeFi users, censorship-resistant transfers |
Network fees are for on-chain transfers only. Exchange trading fees (0.1–0.6%) apply separately when buying/selling.
Choose Your Exchange
You need an exchange to buy stablecoins with your local currency and to cash out on the other end.
Best for US & EU beginners
Best for low fees & advanced users
Important Risk Disclosure
- Stablecoin risk: While USDC and USDT are designed to maintain a $1 peg, they are not government-insured. In rare circumstances, they may temporarily depeg.
- Regulatory risk: Crypto regulations vary by country and are evolving. Some countries restrict or ban crypto. Always verify legality in both sender and recipient countries.
- Tax obligations: Crypto transactions may be taxable in your jurisdiction. Consult a tax professional for guidance specific to your situation.
- Irreversible transactions: Crypto transfers cannot be reversed. Always double-check wallet addresses before sending.
- Exchange risk: Funds held on exchanges are not FDIC-insured (except Coinbase USD balances up to $250k). Use hardware wallets for large amounts.
Frequently Asked Questions
Go Deeper: Crypto Transfer Guides
How to Send Money Internationally with Crypto in 2026
Step-by-step guide for first-time crypto senders.
Coinbase vs Kraken for International Transfers
Which exchange is better for your corridor and amount?
USDC vs USDT: Which Stablecoin to Use?
Detailed comparison of the two most popular stablecoins for remittances.