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Crypto Gateway · The stablecoin daily

The cheaper, faster rail
most people don't know how to use.

USDC, Bitcoin Lightning, and the new stablecoin routes — compared honestly against Wise and Remitly. Step-by-step guides for Mexico, Philippines, and India. No hype, no jargon, no “web3.” Just the math and the steps.

Mexico · fully coveredPhilippines · fully coveredIndia · with caveatsUpdated weekly
Today's crypto rail
Three corridors. Three routes. One verdict per corridor.
🇺🇸 → 🇲🇽
USA → Mexico
via USDC route
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Today's fee on a $1,000 send refreshes daily.
~20 minutes · Best for $500-5,000 transfers
See the comparison →
🇺🇸 → 🇵🇭
USA → Philippines
via Strike route
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Today's fee on a $1,000 send refreshes daily.
seconds · Best for any amount, any time
How Strike works →
🇺🇸 → 🇮🇳
USA → India
via USDC route
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Today's fee on a $1,000 send refreshes daily.
~60 minutes · Not currently recommended for most senders
Read the primer →
Inside the Gateway
Four reads to get you from curious to capable.
The comparison

USDC vs Wise — the real-cost comparison

On a $5,000 transfer to Mexico, USDC via Coinbase + Bitso costs $1.85 in fees. Wise costs $26.40. We break down the math, the steps, and the catch.

9 min read →
Step-by-step

Mexico via Coinbase + Bitso — step by step

The full setup, with screenshots. Buy USDC on Coinbase, send to your recipient's Bitso wallet, convert to MXN with SPEI bank deposit. 20-30 minutes end to end.

11 min read →
For non-crypto users

Strike Lightning Network — free remittance, explained

Strike makes Bitcoin Lightning remittance feel like Venmo. No wallet management, no jargon, no fees for most corridors. How it works and where it's available.

7 min read →
India · with caveats

India crypto remittance — a careful primer

Crypto-to-INR via Mudrex, WazirX, CoinDCX is technically possible. The 30% capital-gains tax, RBI freeze risks, and bank-side rejection patterns make it advanced-users-only today.

12 min read →
Why this gateway exists
The information is scattered. We're consolidating it.

Stablecoin transfer volume in 2024 hit roughly $10 trillion — more than Visa processed. USDC alone settles ~$5-7 billion daily. The US→Mexico USDC corridor is doing measurable billions in annual volume. The infrastructure layer is mature.

What's missing is the consumer-facing comparison tool. Felix Pay's content is okay. Bitso's blog is corporate. Coinbase's content is generic. There's a real opening for “the editorial daily for stablecoin remittance” — same voice as our traditional rail, same standards of math and honesty.

How we're funded: RateCheckr is independent and currently free to use. We point you to whichever rail saves you the most money, period.

Be honest about the trade-offs

Crypto remittance is cheaper, not simpler.

  • Complexity. Your recipient typically needs an account at a local crypto exchange (Bitso, Coins.ph) to convert USDC into their local currency. Older relatives may struggle with this.
  • Regulatory unevenness. Mexico and Philippines have clear rules. India is unsettled — banks sometimes freeze inbound crypto-converted deposits.
  • Tax implications. US senders: USDC transfers are generally not taxable events (it's a stablecoin). India recipients: 30% capital-gains tax on crypto profits, plus 1% TDS on every trade.
  • Volatility risk for non-stablecoins. Sending Bitcoin via Strike is fast and cheap, but the BTC price can move during transit. Strike handles this by quoting in USD on both ends — but other Lightning wallets may not.

We cover each of these in detail in the articles above. Read before you switch.

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Not financial advice. Cryptocurrency and stablecoin transactions involve risk. Regulation differs by country and changes frequently. Past performance is not indicative of future results. We are not registered financial advisors. Verify current rules with a qualified professional before sending large amounts.