Free tool

Stablecoin Payout Fee Calculator

Compare what a cross-border payout actually costs — stablecoin rails (DPT) vs SWIFT vs Wise. Enter your amount and destination; we return the all-in cost on each rail using transparent fee structures and mid-market FX assumptions.

Rail Fee FX margin Total cost Speed

Estimates based on published fee structures and typical retail SWIFT/Wise pricing as of 2026. SWIFT pricing in particular varies by bank; the FX margin row is illustrative on the size shown. For DPT live quotes use the in-app payout flow.

How the math works

Three fee components determine the all-in cost of a cross-border payout: the provider fee, the FX margin (the spread above mid-market on the currency conversion), and any correspondent or network fees. SWIFT bundles these into the bank's quote so you don't see them separately; the calculator reconstructs the typical breakdown.

  • DPT: Provider fee per payout corridor pricing (0.30%–0.80% depending on country) at mid-market FX, plus a small network fee for the on-chain leg.
  • Wise: Transparent fee structure at mid-market FX. Used here as a reference point for "best-in-class" fiat rail.
  • SWIFT: Sender bank fee + correspondent lifting fee + retail FX margin (typically 1.5%–3% on small amounts). Calculator uses the middle of these ranges.

For the full mechanics with named correspondent banks and step-by-step cost breakdown, see Anatomy of a Cross-Border Payout.