Live TRX Price

송금 수수료 비교

USDT TRC-20 해당 회랑의 기존 서비스와 비교해 보세요.

▸ 이 제품은 누구를 위한 것인가요?

프리랜서, 이주 노동자, 해외 송금자 등

은행 송금은 3~8%의 수수료가 부과되고 며칠이 걸립니다. 웨스턴 유니온은 고정 수수료를 부과하여 소액 송금에 불리합니다. Tron 에서 USDT 고정 수수료로 몇 초 만에 정산되지만, Energy 사용 여부에 따라 수수료가 달라집니다.

▸ 제공되는 내용

USDT TRC-20 의 실제 비용을 기존 송금 방식과 비교해 보세요. 모든 금액에 대해 13 TRX 수수료를 전액 지불하는 경우와 Energy 위임을 통해 4 TRX 만 지불하는 경우의 차액을 포함합니다.

송금할 금액 (USD)

수수료 비교 span class="tool-result-live">● 라이브

방법	요금	당신은 받습니다	속도

은행 송금보다 절약할 수 있습니다.

이번 이적에 관하여

배송비는 2달러 미만입니다.

100달러를 보내든 10,000달러를 보내든 수수료는 동일합니다. Energy 충전하고 USDT 보내세요.

USDT TRC-20 사용하세요 →

What "fee" actually means in cross-border money

Send $500 from London to Manila with Western Union, the receipt says $4.99 fee. That's not the real number. The real number is sender fee plus exchange-rate spread plus the cash-out cost on the other side. The receiver gets $487 worth of pesos. The "fee" was actually $13, but split across three lines that never appear together.

This calculator does the side-by-side honestly: total cost from when you send to when the recipient holds usable money in their hand. Bank wire, Western Union, Wise, and USDT TRC-20 each get the same treatment.

Why USDT TRC-20 became the rails

For corridors banks treat as exotic — Nigeria, Venezuela, Argentina, Ethiopia — bank wires can cost 7-12% and take days. Western Union charges 5-8% with a worse rate. USDT on Tron settles in seconds for under $2 at delegation rates, and the recipient holds dollars (or pesos, or whatever, after a P2P off-ramp).

The catch is the off-ramp. Sending USDT is cheap. Converting USDT to local cash via P2P, agents, or local exchanges adds a 0.5-3% spread depending on country. We include that in the comparison so the math is honest.

Where USDT still loses

For high-volume corridors with strong Wise rates — UK to Philippines, US to India, EU to Latin America — Wise often beats USDT for amounts under $500. Their FX spread is razor-thin and they handle compliance for the recipient. USDT wins decisively when (a) Wise doesn't serve the corridor, (b) the recipient prefers dollar-denominated savings, or (c) traditional banks are unreliable for the recipient.

The general rule from our data: under $500, single transfer, mainstream corridor → Wise. Over $500, or any corridor where banks are slow or hostile → USDT.

The break-even calculation

For repeating senders (monthly remittance home, freelancer payouts, business contractor payments), the calculator shows annual savings. A US-based freelancer paying a Filipino contractor $2,000/month saves roughly $600-$900 per year on USDT vs Wise once you factor delegation costs. The savings compound; the workflow doesn't change.

If you're sending one-off, just use whatever's easiest. If you're sending monthly, the math is on this page.

Frequently Asked Questions

How does this account for the off-ramp from USDT to local cash?

We add a 1-3% spread depending on corridor — pulled from typical P2P rates on Binance, Bybit, and local exchanges in the target country. For corridors with deep P2P liquidity (Nigeria, Argentina, Vietnam, Philippines), spread is closer to 0.5-1%. For thin markets, it can be 3%+ which we model accordingly.

Is USDT actually faster than Wise?

In settlement, yes — USDT confirms in 3-5 seconds vs hours-to-days for Wise. In end-to-end (sender hands over money → recipient holds local cash), it depends on the off-ramp. P2P platforms like Binance can settle in 5-30 minutes if a counterparty is online. Off-hours weekends, USDT can be slower than Wise to actually convert.

What about Western Union cash pickup?

Cash pickup is genuinely useful for unbanked recipients, and we don't pretend USDT replaces it. Where Western Union loses is fees: typical 5-8% all-in on amounts under $500. For banked recipients, USDT to a local bank account via P2P is almost always cheaper.

Do P2P platforms count as part of the fee?

Yes. The calculator includes the realistic spread between USDT-to-fiat conversion on Binance P2P (or comparable) for the destination country. Fees on P2P are usually free for the buyer; the cost is hidden in the spread between USDT/fiat market price and what the seller actually accepts.

Why not use USDC instead of USDT?

For Tron-rail remittances, USDT is what has the liquidity. USDC on Tron exists but P2P depth in most emerging markets is 5-10x smaller than USDT, which means worse spreads. For US/EU users sending to other US/EU users, USDC is fine; for global remittance USDT TRC-20 is the practical default.

What about stablecoin transfer limits?

There are no protocol-level limits — you can send any amount in one USDT transfer. The practical limits are KYC tiers on the off-ramp side (P2P platforms typically cap unverified accounts at $5,000-10,000/day). For amounts above that, OTC desks or split transfers are common.