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On Stable, USDT0 is both the chain’s native asset and an ERC-20 token. This means approve, transferFrom, and permit remain fully available alongside standard value transfers, and both paths move funds from the same underlying balance. This page walks you through sending USDT0 through both paths and confirming they draw from one balance.
18 vs 6 decimals: Native USDT0 uses 18 decimals (standard EVM precision), while the ERC-20 interface reports 6 decimals (standard USDT precision). Both reflect the same balance, so address(x).balance and USDT0.balanceOf(x) may differ by up to 0.000001 USDT0 due to fractional reconciliation. See USDT0 behavior on Stable.

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What you’ll build

A two-script flow that sends 0.001 USDT0 as a native transfer, sends 0.001 USDT0 as an ERC-20 transfer, and prints both balances.

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Demo

step 1. Connect wallet → balance displayed
        0.01 USDT0

step 2. Send 0.001 USDT0 (choose native or ERC-20 transfer)

step 3. Result
        Sent:              0.001 USDT0
        Gas fee:           0.000021 USDT0
        Native balance:    0.008979 USDT0
        ERC-20 balance:    0.008979 USDT0

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Prerequisites

  • Node.js 20 or later
  • A private key with testnet USDT0. See Quick start to fund a wallet.
USDT0 contract addresses
  • Mainnet: 0x779ded0c9e1022225f8e0630b35a9b54be713736
  • Testnet: 0x78cf24370174180738c5b8e352b6d14c83a6c9a9

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Setup

// config.ts
import { ethers } from "ethers";
import "dotenv/config";

export const STABLE_TESTNET_RPC = "https://rpc.testnet.stable.xyz";
export const CHAIN_ID = 2201;
export const USDT0_ADDRESS = "0x78Cf24370174180738C5B8E352B6D14c83a6c9A9";

export const provider = new ethers.JsonRpcProvider(STABLE_TESTNET_RPC);
export const wallet = new ethers.Wallet(process.env.PRIVATE_KEY!, provider);

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Option 1 (recommended): send as native transfer

Native transfers work the same as sending ETH on Ethereum. The value field carries the USDT0 amount. A native transfer costs only 21,000 gas, the cheapest way to send USDT0. 
// sendNative.ts
import { ethers } from "ethers";
import { provider, wallet } from "./config";

const recipient = "0xRecipientAddress";
const amount = ethers.parseUnits("0.001", 18); // 18 decimals for native

const block = await provider.getBlock("latest");
const baseFee = block!.baseFeePerGas!;

const tx = await wallet.sendTransaction({
  to: recipient,
  value: amount,
  maxFeePerGas: baseFee * 2n,
  maxPriorityFeePerGas: 0n, // always 0 on Stable
});

const receipt = await tx.wait(1);
console.log("Native transfer tx:", receipt!.hash);

npx tsx sendNative.ts

Native transfer tx: 0x8f3a...2d41

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Option 2: send as ERC-20 transfer

USDT0 can also be sent as an ERC-20 transfer. This deducts from the same balance, but uses the ERC-20 interface with 6-decimal precision. 
// sendERC20.ts
import { ethers } from "ethers";
import { wallet, USDT0_ADDRESS } from "./config";

const recipient = "0xRecipientAddress";
const amount = ethers.parseUnits("0.001", 6); // 6 decimals for ERC-20

const usdt0 = new ethers.Contract(USDT0_ADDRESS, [
  "function transfer(address to, uint256 amount) returns (bool)"
], wallet);

const tx = await usdt0.transfer(recipient, amount);
const receipt = await tx.wait(1);
console.log("ERC-20 transfer tx:", receipt!.hash);

npx tsx sendERC20.ts

ERC-20 transfer tx: 0xa2b1...77c0

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Verify the unified balance

After either transfer, query both balances to confirm they draw from the same source. 
// balances.ts
import { ethers } from "ethers";
import { provider, wallet, USDT0_ADDRESS } from "./config";

const nativeBalance = await provider.getBalance(wallet.address);
console.log("Native balance:", ethers.formatEther(nativeBalance), "USDT0");

const usdt0 = new ethers.Contract(USDT0_ADDRESS, [
  "function balanceOf(address) view returns (uint256)"
], provider);
const erc20Balance = await usdt0.balanceOf(wallet.address);
console.log("ERC-20 balance:", ethers.formatUnits(erc20Balance, 6), "USDT0");

npx tsx balances.ts

Native balance: 0.008979 USDT0
ERC-20 balance: 0.008979 USDT0
Both values represent the same balance. They may differ by up to 0.000001 USDT0 due to fractional balance reconciliation.

Zero gas transactions

Send USDT0 with gas fees paid by a waiver service.

Build a P2P payment app

Create wallet, send, receive, and query payment history.

USDT0 behavior on Stable

Understand dual-role balance reconciliation and contract design.
Last modified on April 23, 2026