Every fee comes out of the transaction itself, and the app shows you the exact amount before you confirm. Nothing is billed to you later. The figures below are typical; the number on your confirmation screen is the one that counts.
What's free
- Sending to another Guap user. USDB moves between Guap accounts in seconds with no fee.
- Receiving from another Guap user.
- Cash in and cash out at a Guap Teller. See below.
Sending USDC or USDT to an outside address
When you cash out to an exchange, a Cash App address, or any other wallet, one fee covers the conversion and delivery. The flat part is the network's cost, so it stays about the same whether you send $20 or $500.
| Network | Fee |
|---|---|
| USDC on Solana (including Cash App) | 0.5% + about $0.20 |
| USDC on Base | 0.5% + about $0.20 |
| USDT on Ethereum | 0.5% + about $0.20 |
| USDT on Tron | 0.5% + about $1.50 |
So sending $100 of USDC over Solana costs about $0.70, and $100 of USDT over Tron costs about $2. Network costs move with the network, and Tron's can reach $3 at busy times. The minimum you can send this way is $1.
Sending over Lightning or to a Bitcoin address
- From your USDB balance (Cash out → Lightning address, or a pasted invoice): 0.5% plus the Lightning routing cost, quoted up front. It shows as Fees for a Lightning address, or as Included in rate for an invoice or a Bitcoin address.
- From your Bitcoin balance (scanning a QR code): the Lightning routing fee, or the Bitcoin network fee for an on-chain send. The app quotes it, adds it on top of the amount, and shows the total before you confirm.
Receiving USDC or USDT
Incoming USDC and USDT convert to USDB automatically. One fee covers the conversion and the network's cost to bring the deposit in. The flat part is what stings on small deposits, especially on Tron.
| Network | Fee |
|---|---|
| USDC on Solana (including Cash App) | 0.3% |
| USDC on Base | 0.35% + about $0.03 |
| USDT on Ethereum | 0.4% + about $0.15 |
| USDT on Tron | 0.55% + about $1.05 |
So $100 of USDC over Solana arrives as about $99.70, and $100 of USDT over Tron arrives as about $98.40. The minimum fee is $0.01. The app's network screen shows a live worked example for each route.
Receiving Bitcoin or Lightning
Money sent to yourname@guap.to arrives as Bitcoin and converts to USDB automatically. The conversion runs through a swap pool, which takes a small fee and moves the price slightly, so what lands is a little less than what was sent. There's no fixed percentage. Very small payments stay as Bitcoin instead of converting; the app tells you the threshold.
Swapping between Bitcoin and USDB
Swaps in the app use the same pool. You pay the pool's fee and any price movement while the swap settles. The app protects you with a slippage limit, set to 3% by default and adjustable under Settings → Swap.
Cash at the Teller is free
Cash at a Guap Teller doesn't use the tables above. Cashing in is free and cashing out is free. You buy and sell USDB, Guap's stablecoin (1 USDB is designed to equal 1 US dollar), at the USDB → TTD rate shown in the app, with no fee in either direction.
The rate updates live, and the rate you see in the app before you confirm is the rate you get. No rate is locked in advance. See buying and cashing out for the full walkthrough.
Questions about a fee on your transfer? Message us and we'll walk you through it.