Native transfer
The sender signs and broadcasts a transaction directly to the recipient. This costs 21,000 gas (~0.00021 USDT0 at 100 gwei). No contract interaction is required. A native transfer is the simplest path: the sender signs a transaction sending USDT0 directly to the recipient. This is equivalent to entering an amount and selecting “Send” in any payment app. For a code walkthrough, see Send your First USDT0.Application-initiated transfer (ERC-3009)
The sender signs an off-chain authorization. An application or facilitator submits the transaction on their behalf. Combined with the Gas Waiver, the gas cost is 0. ERC-3009 is more appropriate for application-initiated payments (e.g., a payment in a web app) because it separates the signer from the submitter. The sender only signs an authorization off-chain, and the application or a facilitator handles on-chain submission.What makes it different
On traditional payment rails, a P2P transfer involves bank processing, clearing, and settlement that can take 1–3 business days. Even on other blockchains, the sender needs to hold a volatile gas token (ETH, SOL) alongside the payment token. On Stable, the sender holds only USDT0, gas can be waived, and settlement is final in under a second.| Aspect | Traditional (bank transfer) | Other blockchains | Stable |
|---|---|---|---|
| Settlement time | 1–3 business days | Seconds to minutes, depending on the chain | Under 1 second (single-slot finality) |
| Required assets | Fiat currency | Payment token + separate gas token (ETH, SOL, etc.) | USDT0 only (single asset) |
| Transaction cost | Wire / intermediary fees | Can spike with network congestion | ~0.00021 USDT0 native transfer or $0 via Gas Waiver |