Fees
Fees depend on the token type, the blockchain network, and whether a conversion is needed.
Native stablecoins
USDG, USDC, USDP, or EURC on Solana: No fee
Stablecoins via MoonPay (USDT, USDC, USDG on other chains)
USDT on Solana: 0.50% fee
USDT on Ethereum Virtual Machine (EVM) chains (Ethereum, Arbitrum, Base, Polygon): 0.55% fee
USDG or USDC on EVM chains: 0.55% fee
Crypto (BTC, ETH, SOL, etc.)
Crypto on Solana: 0.75% fee
Crypto on EVM chains (such as Ethereum or Tron): 0.75% fee
Crypto on other networks (such as Bitcoin or Hypercore): 1.50% fee
Each token and network also has a minimum deposit amount, which you can see in Morse before you proceed.
Always check the exact fees, exchange rate, and minimums in the app before sending.
Processing times
Processing times depend on the blockchain network:
Bitcoin: ~10 minutes
Ethereum: A few minutes, depending on network congestion
Solana, Tron, Base, Arbitrum, Polygon: Usually under a minute
After the blockchain confirms your transaction, your deposit is converted into USDC or EURC. Once converted, the deposit appears in your Morse Wallet for you to claim.
Limits
Each token and network has a minimum deposit amount, shown in the app before you send. Any deposits below the minimum will be held until you reach the minimum.
Exchange rates
Before depositing crypto, you'll see an estimated exchange rate for your transaction. The actual rate is confirmed on-chain, so it may shift slightly if your transaction takes longer to process. Most transactions process quickly, so the difference is typically minimal.
Double check before sending
There are two ways a deposit can fail, and for any of these: there is no guarantee that your funds can be recovered.
1. 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.
2. 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.
🚨 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.