Sending money via crypto rails isn't just "buy Bitcoin and send it" — it's a three-step path: buy stablecoins on a regulated exchange, move them across a low-fee blockchain, and sell them for local currency on a regulated exchange in the recipient's country. This tool visualizes that full path with real fees at every step.
Select your send currency, blockchain, and destination country.
The tool builds the full path: on-ramp exchange (where you buy stablecoins) → blockchain network (how they move) → off-ramp exchange (where your recipient sells for local currency).
Fees at each step are shown individually so you can see where the cost actually comes from.
On-ramp fees vary by exchange: Strike charges 0% for BTC purchases; Coinbase, Gemini, and Kraken charge roughly 0.4% for stablecoin purchases (USDC/USDT).
Network fees depend on the blockchain: Stellar and Celo cost under $0.01 per transaction, Tron and Solana under $0.50, Ethereum $1–5+ due to congestion.
Off-ramp fees are set by the receiving exchange (for example CoinDCX in India), which converts the stablecoin back to local currency and processes the withdrawal to a local bank account.
Total path cost is the sum of on-ramp fee, network fee, and off-ramp fee — typically 60–80% lower than a bank wire because it removes the correspondent-banking layer entirely.
Worked example: Sending $1,000 from USD to PHP, the cheapest measured route today is Xoom at 2.10% better than the mid-market rate (a measured premium, not a cost) — about $21.00 more than a mid-market transfer on $1,000, as of July 30, 2026. Rates are refreshed every 6 hours from live provider data.
A crypto path is the three-step process of sending money internationally using digital assets: buy stablecoins (on-ramp), send them over a blockchain, then sell for local currency (off-ramp). Each step has a small fee, but the total is typically 60-80% less than banks.
Stellar and Celo are the cheapest, with transaction fees under $0.01. Tron and Solana are also very low cost at under $0.50. Ethereum is the most expensive at $1-5+ per transaction. For remittances, Stellar is the most commonly used due to its speed and near-zero cost.
No. The process is: deposit fiat on an exchange (on-ramp), buy a stablecoin like USDC, send it, and the recipient sells it immediately for local currency. You never need to hold volatile crypto. The entire process can take under 5 minutes.
An off-ramp exchange is a cryptocurrency exchange in the recipient's country that supports withdrawals to local bank accounts. For example, CoinDCX in India lets you sell USDC and withdraw INR to your Indian bank account.
Compare live rates across 370+ corridors on RemitRoutes · methodology.