Stablecoin Fee Comparison & Depeg Calculator

How to use the comparison

Enter the amount you want to move. Each row is a route: a coin on a network, with the fee in dollars, the coin's market price and any spread you pay at the destination (for example when converting on arrival). Default fees are examples only — fees change with network load, and exchanges set their own withdrawal fees — so replace them with the numbers your wallet or exchange shows today. The cheapest route is highlighted above the table.

The most important rule is not in the table: the sender and the receiver must use the same network. USDT sent over TRON to an address that expects Ethereum can be lost or require a manual, paid recovery.

How the cost is calculated

A route's cost is the network or withdrawal fee plus any conversion spread, plus any deviation of the coin from $1.

What drives stablecoin fees on each network

• Ethereum (ERC-20): fee = gas × gas price; a token transfer uses roughly 45,000–65,000 gas. Cheap when the network is quiet, expensive during congestion.
• TRON (TRC-20): transfers consume “energy”; without staked energy the network burns TRX to pay for it, so the fee depends on the TRX price and network parameters.
• BNB Chain (BEP-20), Solana, Base and other L2s: usually cents or less per transfer, but check that the receiving service supports the network.
• Exchange withdrawals: centralized exchanges charge their own flat fee per network, which can differ a lot from the on-chain cost.

Because the fee is mostly flat, the percentage cost falls as the amount grows: a $2 fee is 2% of $100 but 0.02% of $10,000. For small amounts, network choice matters most.

Depeg risk: when $1 is not $1

Stablecoins aim to trade at $1, but market prices can deviate. In March 2023 USDC briefly fell to around $0.88 after its issuer disclosed exposure to a failed bank, before recovering within days. Smaller and algorithmic stablecoins have broken their peg permanently. The depeg calculator shows the dollar value of your balance at any price, the gain or loss versus $1, and what you would receive swapping into another stablecoin after a swap fee.

Example: 5,000 units at $0.985 are worth $4,925 — $75 below par. Swapping into a coin trading at $1.00 with a 0.3% fee would give about 4,910 units. Whether that is a good idea depends on whether you expect the peg to recover; the calculator only shows the numbers.

USDT or USDC?

Both are fiat-backed stablecoins issued by private companies — Tether and Circle — and both publish reserve reports. USDT has the deepest liquidity on most exchanges and is the default on TRON; USDC is widely used in DeFi and on Ethereum, Solana and Base. Many people hold both to reduce issuer risk. If you need to switch, a USDC → USDT swap is usually close to 1:1 minus the fee.

A pre-send checklist for stablecoins

These five checks prevent nearly all of the costly mistakes we see in support, and they take less than a minute.

• Ask the receiver which coin and which network they accept — and get it in writing.
• Compare the deposit address format with the network: 0x… for Ethereum/BNB Chain/Base, T… for TRON, Base58 for Solana.
• Check whether a memo or tag is required for exchange deposits.
• Send a small test first when the address is new.
• Keep enough native coin (ETH, TRX, BNB, SOL) for the network fee.