A domestic wire transfer costs $25 to $35. An international wire runs $40 to $50, and that is before the bank's 3% to 4% FX spread. Crypto networks price transfers differently.

Bitcoin fees range from $2 to $10, depending on network congestion.
Ethereum fees often land between $1 and $20.
Litecoin and Solana fees sit under $0.01.

Speed matters too. A wire takes one to three business days to clear. A crypto transaction settles in minutes, anywhere in the world.

The real gap is not just the headline fee. It is the process. Wires require routing numbers, SWIFT codes, and bank hours. Crypto needs a wallet address and network selection.

Both systems have tradeoffs. Crypto has variable fees and requires self-custody responsibility. Wires have predictable costs but slow settlement and hidden FX charges.

For large cross-border payments, the fee difference is small. For smaller transfers, the network choice can mean a fee of cents versus $40 plus exchange losses.

The takeaway is simple: know the cost structure before you move money. That applies to any rail, crypto or traditional.

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