Before you complete a transaction, review the fee, exchange rate, and minimum. These may change as we add tokens, blockchains, and partners.
Fees
Fees depend on the token sent, the blockchain used, and whether we need to convert anything. Morse shows your exact fee before you confirm, so there are no hidden charges or markups.
Crypto deposits and withdrawals can carry three fees.
Morse fee — what Morse charges to move your money.
Partner fee — what MoonPay charges to handle the swap.
There's no partner fee for moving digital dollars/digital euros on Solana.
Network fee — what the blockchain charges to record your transaction.
Sending USDC, USDG, or EURC on Solana does not charge fees, while moving other tokens, using other blockchains, or swapping digital dollars or euros for cryptocurrency could all carry fees.
Exchange rates
You'll see an estimated exchange rate before you confirm a deposit or a withdrawal. The blockchain confirms the actual rate, so it may shift slightly while your transaction settles, but any difference is usually small.
Limits
Each token and blockchain has a minimum amount, shown in the app before you send. Deposits below the minimum stay on hold until your next deposit brings the total above it.
Withdrawals have their own minimums and maximums for each token and blockchain, which you can also see in the Morse app.
Processing times
Morse shows an estimated arrival time before you confirm, but how long a transfer takes depends on the blockchain.
Transfers that cross from one blockchain to another take longer than ones that stay on the same blockchain. Heavy traffic on a blockchain can slow a transfer down, and neither Morse nor MoonPay controls that.
After the blockchain confirms your transaction, your deposit is converted into digital dollars or digital euros. Once converted, the deposit appears in your Morse Wallet for you to claim.
Double check before sending
A deposit can fail two ways, and we can't guarantee recovery in either.
Only send supported tokens — If you send a token that is not listed as supported for the address you were given, the funds may be permanently lost. Only send the supported tokens.
Only send via supported networks — Some tokens may exist on multiple blockchains, but you must send on one of the networks Morse supports for that token. For example, if you selected USDT on Tron but send USDT on Ethereum instead, this is a wrong-network deposit and your funds may not be recoverable.
Withdrawals carry the same risk in reverse. Morse checks that a destination address matches the blockchain you chose, but not who owns it. Money sent to an address you don't control can't be recovered.
🚨 Not following these rules may result in lost funds
If you send an unsupported token or send via an unsupported network, there is no guarantee that your funds can be recovered.