PAYCOIN / stablecoin payments index 9.25 bps

What it costs to send money

On-chain fees are flat per transfer — the same few cents whether you move $1,000 or $100,000.

live gas × native-token prices · transfer leg only, no ramps / FX / custody · methodology

Stablecoin rails (live estimate)

OP Mainnet
$0.000011
Solana
$0.00047
Base
$0.00087
Avalanche C-Chain
$0.0015
Polygon PoS
$0.0020
BNB Smart Chain
$0.0023
Arbitrum One
$0.0029
Ethereum
$0.170
Tron
$2.17

Bar length on a logarithmic scale — per-transfer fees span several orders of magnitude.

rank by
Chain Est. fee / transfer $1,000 (bps) $100,000 (bps) Typical finality Stablecoin liquidity Score
OP Mainnet $0.000011 0.00011 0.0000011 ~2 s* $347M 68
Solana $0.00047 0.0047 0.000047 ~13 s $9.3B 64
Base $0.00087 0.0087 0.000087 ~2 s* $4.3B 63
Avalanche C-Chain $0.0015 0.015 0.00015 ~2 s $743M 52
Polygon PoS $0.0020 0.020 0.00020 ~5 s $2.4B 54
BNB Smart Chain $0.0023 0.023 0.00023 ~3 s $10.8B 62
Arbitrum One $0.0029 0.029 0.00029 ~1 s* $3.0B 58
Ethereum $0.170 1.70 0.017 ~13 min $115.3B 40
Tron $2.17 21.7 0.22 ~1 min $92.6B 37

Last updated · gas via public RPCs; native-token prices via CoinGecko; formulas on the methodology page

* Arbitrum One and Base give soft confirmation in seconds; full settlement to Ethereum follows within minutes. Finality figures are typical values, not guarantees.

Incumbent rails (published figures)

For contrast: typical published pricing on established rails. These are static, hand-sourced figures with their as-of dates — not live quotes.

Rail Published pricing $1,000 $100,000 Source
Card rails (typical US online merchant pricing) 2.9% + $0.30 $29.30 $2,900.30 Stripe standard US card pricing (as of 2026-09)
International wire (typical US bank outgoing fee) $25–$50 flat $25–$50 $25–$50 Published fee schedules of major US banks (survey) (as of 2026-09)
Global average remittance cost ($200 send) 6.36% 6.36% (of a $200 send) n/a — surveyed at $200 World Bank Remittance Prices Worldwide, Q3 2025 (latest published corridor survey) (as of 2025-Q3)

Incumbent figures are indicative list prices; negotiated enterprise pricing differs. The remittance average is surveyed on $200 sends and is not comparable at larger amounts.