StablecoinSpend

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Which network should you pay on?

The network you choose at a crypto checkout is the only decision that costs you money — the merchant receives the same amount either way. These pages cover payment relevance, not general blockchain documentation.

Networks compared for merchant payments. Merchant counts reflect listings in this directory.
  Typical fee Settlement Stablecoins Merchants
Ethereum Cents to several dollars, depending on network demand Roughly 12 seconds per block; gateways typically wait 1–5 minutes USDC, USDT, PYUSD, USDS, DAI, RLUSD, EURC 23
Base Typically well under one cent Around 2 seconds per block; gateways generally confirm within seconds USDC, USDS, DAI, EURC 13
Solana A fraction of a cent Sub-second block times; merchant confirmation is typically near-instant USDC, USDT, PYUSD, USDS, EURC 15
Polygon Typically a fraction of a cent Around 2 seconds per block; gateways usually confirm within a minute USDC, USDT, DAI, EURC 15
Arbitrum Typically a cent or less Sub-second sequencing; gateways generally confirm within seconds to a minute USDC, USDT, PYUSD, DAI 10
Optimism Typically a cent or less Around 2 seconds per block; gateways confirm within seconds to a minute USDC, USDT, DAI 6
Avalanche Usually a few cents Around 1–2 seconds to finality USDC, USDT, EURC 0
Tron Typically low; varies with the network's resource model Around 3 seconds per block; confirmation is fast USDT, USDC 6
Stellar A tiny fraction of a cent Around 5 seconds to close a ledger USDC, EURC 0
XRP Ledger A fraction of a cent Around 3–5 seconds to ledger close RLUSD 0
BNB Chain Typically a fraction of a cent Around 3 seconds per block; gateways generally confirm quickly USDT, USDC, FDUSD, TUSD, DAI 6

Guide

The best networks for stablecoin payments

How to choose in ten seconds, why the fee difference is so large, what finality means at a checkout, and the gas token you need on each chain.