Polygon read live from the chain
What one transfercosts right now.
The same dollar moves on several networks at wildly different prices. Here is what sending one costs today, and why the gap is as large as it is.
Reading the chain…
Polygon is calculated from the network's current gas price and the gas a token transfer uses, priced in dollars at the token's current rate — so it moves with congestion. TON and Tron are shown at their typical cost rather than live: TON's fee barely varies, and Tron's depends on whether the sender has staked for energy, which can take the cost to nearly nothing or well above the figure shown. Fees are paid in the network's own coin, so you need a little of it to move the stablecoin.
Why the spread is so wide
You are not paying for the dollar. You are paying for the queue.
A stablecoin transfer costs whatever the network charges to include it in a block, and networks price that very differently. On an EVM chain you bid against everyone else for space, so the fee rises when the chain is busy. TON charges a near-fixed amount. Tron sells you the right to skip the fee entirely if you lock up its coin first, which is cheap for a business moving money daily and expensive for somebody sending once.
The fee is not in dollars
It is paid in POL, TON or TRX. A wallet holding only stablecoins cannot send them — which is the most common reason a first transfer fails.
Cheap does not mean free
A cent per transfer is nothing once. On a thousand payouts a month it is a line in your accounts, which is why it is worth choosing.
Wrong network, no refund
A low fee is no comfort if the address was for another chain. Check it first.
What we settle on
USDC on Polygon, USDT on TON.
Those two, and the fee above is why. Both are cheap enough that a five-dollar sale is still worth settling, which is not true everywhere — on a congested chain the fee can exceed the payment. USDT on Tron was retired on 19 September 2026 and is shown here only because so many people hold it and want to compare.
You do not pay the network fee on a sale; it comes out of the settlement. What you pay is 1.5%, and 0.5% more only if the currency has to be converted.
Questions
Straight answers.
Which network is cheapest to receive USDT on?
On the figures above, TON is consistently the cheapest of the three for a one-off transfer, and Polygon is close behind for USDC. Tron can be the cheapest of all if you stake TRX for energy and move money constantly, and is the most expensive if you do not.
Why does my wallet say I cannot send, when I have USDT?
Because the fee is paid in the network's own coin, not in the stablecoin. A wallet holding USDT on TON and no TON cannot send anything. Keep a small amount of the native coin — a dollar or two is plenty for many transfers.
Does TrueTransfer charge this fee on top of 1.5%?
No. The network fee comes out of the settlement itself, not as a separate charge, and 1.5% is the whole of what we take when something sells. The only other figure is 0.5%, and only when the currency paid is not the one you want to receive.
Is the Polygon number live?
Yes — it is the chain's current gas price multiplied by the gas a token transfer uses, converted at the current token price, refreshed hourly. TON and Tron are typical figures, labelled as such on the page, because neither varies in a way a live reading would capture honestly.
Why not just use whichever is cheapest today?
Because the address, the wallet and the person paying you all have to agree, and changing it mid-stream is how transfers end up on the wrong chain. Pick one and keep it. The difference between two cheap networks is far smaller than the cost of one mistake.
More tools
Built on the same data.
Settle on the cheap side.
USDC on Polygon or USDT on TON, straight to your own wallet, with the fee taken out of the settlement rather than added to it.