A third-quarter report by Borderless.xyz estimates that sending $200 via stablecoins cost a median of 1%, or about $2. It compares that with the World Bank's average of 6.36% for the third quarter of 2025, roughly $12.70. The gap was widest in sub-Saharan Africa and Latin America. Transaction completion rates ranged from 73% in Costa Rica to 98.6% in Mexico.
What it means: Remittance cost is one of the strongest arguments for stablecoins, and the report puts concrete numbers on it. It must be read with care, however. The comparison sets a median from one company's network against a World Bank average from a different year, and the source is a firm that sells such services. Completion rates also show that in some markets roughly one in four transfers fails, which matters a great deal to a worker sending money home. The real cost for users also includes conversion into local currency at the recipient's end. For Greece, the issue concerns migrants sending money to non-EU countries, where costs remain high. Within the euro area, SEPA instant payments and the regulation requiring them to cost no more than standard transfers have already cut costs considerably. Any provider offering stablecoin remittances in the EU needs a MiCA licence and must apply the travel rule against money laundering.
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