Trading tool · Chain choice

Transfer chain selector

When you move a multi-chain asset like USDT or ETH, the same coin running on TRC20, ERC20, BSC and other chains has very different fees and speeds, and the address and chain must strictly match, or you can lose coins outright. This selector helps you, by route (exchange and wallet) and coin, get a recommended chain, compares the fees and speed of the candidate chains, and puts the most important warning right in front of you. The chains actually available and the fees go by the networks your sending and receiving platforms support live, so make sure both ends support the same chain.

Pick the transfer route

Coin

Direction

Prioritize

Both ends must support the recommended chain. Before withdrawing, check which networks the platform supports.

Recommended chain Chain advice

ExchangeBinance etc.

→

WalletSelf-custody

BSC

Sending USDT and want the lowest fee? If both ends support it, use BSC. Binance's withdrawal page (read on 2026-10-28) shows about 0.01 USDT on BSC, 0.6 on ERC20 and 1.5 on TRC20. If TRC20 is all the other side takes, use TRC20.

Fee

Low

vs chains

Speed

Fast

typical

Backup chain

Polygon

when both support

The wrong chain can lose your coins. The network you send on must exactly match the network of the receiving address; copy-paste the address, never type it by hand, and after pasting check the whole address (address poisoning copies the first and last few characters); for large amounts, send a small test first. If either end doesn't support a chain, don't use it.

Candidate chains (recommended highlighted)

How to use it

Pick the coin you're transferring. Coins like USDT and USDC are multi-chain assets, where the same-named coin is a different network on each chain; BTC basically only runs on the Bitcoin network, and ETH on Ethereum.
Pick the direction (withdraw or deposit) and what you care about more (lower fees or faster arrival). The selector gives a recommended chain and lists a backup.
Compare against the candidate chains below to see each chain's fee and speed. The most important step: confirm both the sending and receiving platforms support this chain, then paste the address, pick the right network, and send.

A few common questions

Why is one USDT split across chains?

USDT doesn't live on just one chain, it's issued on multiple chains including Tron (TRC20), Ethereum (ERC20), and BNB Smart Chain (BSC). These are networks that don't connect to each other: send USDT on TRC20 to an address that only supports ERC20 and it can be lost. So before transferring you must confirm the sending network = the receiving network, with no exceptions.

Which chain is actually the most cost-effective?

For USDT, the old rule that "TRC20 is the cheapest" no longer holds: Binance's withdrawal page (read on 2026-10-28) shows roughly 0.01 USDT on BSC, 0.6 on ERC20 and 1.5 on TRC20, so check what the withdrawal page shows right now. TRC20 still works when it's the only chain the other side supports; BSC has the lowest fee and arrives quickly; ERC20 (Ethereum) is widely compatible, but gas goes up when the network is congested and arrival is slower. It also depends on which chains both platforms support. This tool recommends by lower fees or faster arrival, but go by the networks and fees the platforms support live.

If I get the address or chain wrong, can I recover it?

It's very hard, or even impossible, to recover. Be sure to: copy-paste the address rather than type it, pick the right network when sending, check the whole address after pasting (address poisoning copies the first and last few characters), and test with a small amount before a large one. Any time you're unsure, stop and confirm rather than gamble.

The networks actually available for each coin, the on-chain fees, and arrival times are decided by the sending and receiving platforms and network congestion at the time, and can change at any moment. The recommendations here are general rules of thumb, not a guarantee; before transferring, always check the supported networks on both platforms and go by what they show live. The wrong chain or address can cause loss of assets, so proceed carefully.