moonvex

USDT ERC-20 vs Bitcoin: which to accept

We compare USDT ERC-20 and Bitcoin from the point of view of a business taking payments: what the customer pays, how fast money arrives and which audience prefers what. You can accept both and let the customer choose on the checkout page.

Comparison

USDT ERC-20Bitcoin
NetworkEthereumBitcoin
Network coinsUSDT, USDC, ETHBTC
Network feeabove averageabove average
Speedmediumslower, depends on network load
Pricepegged to USDfloating price
Address format0x… (42)1… / 3… / bc1…
WalletsMetaMask, Ledger, exchangesany BTC wallet, exchanges
Audiencecustomers in Europe and the US, B2BBTC holders

Verdict

  • Speed: USDT ERC-20 wins. Transfers confirm quickly, so the customer does not wait on the checkout page.
  • Price stability: USDT ERC-20 wins. A stablecoin pegged to the dollar: your revenue does not depend on the exchange rate.
  • Popularity: Bitcoin wins. One of the coins buyers know best, which means fewer abandoned payments.
  • On the other criteria the two are comparable.

Ethereum is the network for large orders and for customers in Europe and the US who hold USDC and USDT as ERC-20. Moonvex accepts both coins as well as ETH.

Bitcoin is still the main cryptocurrency for many customers. Moonvex issues a new address for each payment, locks the rate and notifies you when the funds are credited.

Which is better for your use case

Online storeUSDT ERC-20 is better · 58% / 33%Telegram botUSDT ERC-20 is better · 33% / 0%Online schoolUSDT ERC-20 is better · 80% / 60%SaaS and subscriptionsUSDT ERC-20 is better · 75% / 25%Hosting and VPNEqual · 40% / 40%Games and donationsUSDT ERC-20 is better · 25% / 0%Digital goodsUSDT ERC-20 is better · 40% / 0%Freelancers and agenciesUSDT ERC-20 is better · 90% / 60%B2B invoicesUSDT ERC-20 is better · 100% / 50%Paid channels and clubsUSDT ERC-20 is better · 25% / 0%

FAQ

Which is cheaper for the customer, USDT ERC-20 or Bitcoin?

Network fees are comparable; the exact amount depends on network load at the time of transfer.

Which is faster, USDT ERC-20 or Bitcoin?

USDT ERC-20 confirms faster. Moonvex credits a payment once two independent node providers confirm it.

Can I accept USDT ERC-20 and Bitcoin at the same time?

Yes. Enable both: the customer picks one on the checkout page, and all payments land on one project balance.

See also

USDT TRC-20 / USDT ERC-20USDT TRC-20 / BitcoinUSDT BEP-20 / USDT ERC-20USDT BEP-20 / BitcoinUSDT ERC-20 / USDT on TONUSDT ERC-20 / USDT and USDC on SolanaUSDT ERC-20 / Ethereum (ETH)USDT ERC-20 / Toncoin (TON)

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