> ## Documentation Index
> Fetch the complete documentation index at: https://docs.stable.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Send and receive USDT0

> Peer-to-peer USDT0 transfers on Stable via native transfers or ERC-3009 delegated settlement.

On Stable, P2P payments settle in under a second. Two transfer methods are available depending on the use case.

## 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](/en/tutorial/send-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](/en/how-to/integrate-gas-waiver), the gas cost is 0.

[ERC-3009](/en/explanation/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 |

**See also:**

* [Send your First USDT0](/en/tutorial/send-usdt0)
* [ERC-3009 (Transfer With Authorization)](/en/explanation/erc-3009)
* [Gas Waiver](/en/how-to/integrate-gas-waiver)