Stablecoin Transfers Cost 84% Less Than Traditional Remittances

Transfers in stablecoins are 84 per cent cheaper than traditional transfers

Money transfers in stablecoins continue to offer significant savings compared with traditional transfers, particularly in emerging markets, which confirms one of the key use cases for digital dollars as payment activity grows.

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According to a new report by Borderless.xyz for the third quarter, in the stablecoin payment network, sending a $200 transfer via a stablecoin-funded payment infrastructure costs an average of 1 per cent, or $2, compared with 6.36 per cent, or $12.72, for traditional money transfers — based on World Bank data, reports cointelegraph.com.

This means that stablecoin-funded remittances are approximately 84 per cent cheaper, although the comparison uses Borderless’s prices for the third quarter of 2026 and World Bank data for the same period in 2025.

The savings are also significant in emerging markets. In sub-Saharan Africa, transfers funded by stablecoins cost 2.9 per cent, compared with 8.46 per cent for traditional transfers. In Latin America, these figures stand at 1.25 per cent and 5.64 per cent respectively.

According to the report, corporate payments via stablecoins are also significantly cheaper. A $10,000 transfer to the eurozone, funded by stablecoins, costs just $26 when processed through the lowest-cost provider, compared with $52 via a provider with an average cost across all routes.

By comparison, a traditional international bank transfer of the same amount costs between $135 and $150, including transfer fees and an estimated currency margin of 1 per cent.

Moldova is still out of the picture

In Moldova, the development of stablecoin transfers is hampered by the lack of legislation on cryptocurrencies.

More specifically, the country has adopted a special Law on the Crypto-Asset Market, which regulates digital currencies in line with the European MiCA (Markets in Crypto-Assets) standards. Parliament has approved the bill, and the main provisions are scheduled to come into force on 17 March 2027 (a number of regulations and preparatory stages will be rolled out in 2026).

It will therefore only be possible to assess the convenience and cost-effectiveness of crypto transfers from the second quarter of next year onwards.

This story was translated with the assistance of artificial intelligence.The translation was also reviewed by the Logos Press editorial team.

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