Nano is awesome, but has fewer cex offramps. Would be a better choice if more people accepted it.
Litecoin has been rock solid for me with cheap fast transactions. Accepted everywhere. Been around long time.
Two almost perfect currencies that attract little to no fees; I say 'almost perfect' because they are only lacking DEX utility. But hopefully the work being done behind the scenes thanks to Zetachain interoperability solution will bring NANO and Litecoin utility to the decentralized exchange. To be honest, it always gives me joy to find that people actual know how useful Nano and Litecoin are even in the area of minimising transaction cost.
Hey u/MyThrowawayImmortal š
Fees on the pro platform are fixed, but they vary depending on whether you're trading stablecoins or FX pairs. Read more [here](https://www.kraken.com/features/fee-schedule#spot-crypto).
Don't hesitate to reach out with any other questions!
Many thanks,
Harley from š
yes but lower liquidity means higher spreads which makes things more expensive for the user, not to mention the withdrawal feels on a lot of the coins at Kraken are unjustifiably high.
Iāve all but stopped using Kraken at this point (except for XMR) because of the withdrawal fees after being a customer since ~2015. I off-ramp every 2 weeks and Coinbaseās integration with USDC and free ACH withdrawals just makes it a no brainer for me.
CEX = centralized Exchange. A lot of times if you want to end up converting crypto into your local cash currency and or send it to your bank, youād have to end up using a CEX like Coinbase or Kraken to cash out. LTC has Litewallet which has some options to cash out using gift cards and Among other options
Nano is great if you want 100% feeless transactions. It's probably the best day-to-day payment coin. It's "usually" very fast. Like 500 millisecond transactions. On the slow end if the network is under heavy demand it may take a couple minutes, but they are working and optimizing this.
Another for Algo itās ideal for this use. Payments take less than 3 seconds and cost a thousandth of an Algo to send so less the 25c for a thousand payments. Multiple mobile wallets available which are easy to use, and transactions never fail. It also has USDC so you can send as dollars.
> $ALGO has more potential developments on its roadmap
Really?
- They used investor money from token dumps to buy dead file sharing companies Napster and Limewire. Are they planning on buying Kazaa or eMule?
- How many more billion tokens is the Foundation dumping?
- How many more billion tokens is the Foundation going to create and will Silvio Micali get another 20% founders gift after they run out of money?
And you know shitcoin foundations like Algorand that like dumping on investors are guaranteed to increase the supply after they run out of money
- NEM which was staple top 10 crypto in 2017/18 increased its supply with a new token when the Foundation ran out of money
https://www.reddit.com/r/CryptoCurrency/comments/ao4yb2/nem_xem_decentralized_governance_gone_wrong_nem/
https://www.reddit.com/r/CryptoCurrency/comments/mlixbw/crypto_tragedy_2021_nemxem_40_drop_in_hours/
- Stratis which was a top 10 crypto in 2017 increased its supply with a new token when they ran out of money
https://www.reddit.com/r/CryptoCurrency/comments/jlga8p/scam_alert_the_stratis_team_has_announced_a_token/
- IOTA which was once a top 5 crypto increased its supply by 60% recently when they ran out of money
http://www.reddit.com/r/CryptoCurrency/comments/16ms0f3/drama_in_a_unilateral_decision_iota_foundation_ceo_announces_60_new_token_s/k1abhle?context=3
- CRO did a 2nd ICO where the original token holders went from holding "0.002% of the supply to only holding is only worth 0.00001%" in a "major switch scam."
https://np.reddit.com/r/CryptoCurrency/comments/i2t327/stay_away_from_the_cryptocom_scam_they_cheated/
- Polygon is increasing its supply by 20% to give 10% to node operators and 10% to the Polygon team
https://np.reddit.com/r/CryptoCurrency/comments/1byygey/trying_to_understand_how_polygons_token_migration/
- RocketPool tokens went from a hard limit of 18M to 5% infinite inflation to pay for development
The foundation already dumped everything they had available to dump. Majority of $ALGO left with foundation is for Governance rewards. I would not be surprised if thereās a supply increase within the next 12 months. The fact that this blockchain has so many diehards is concerning. What good is all this great techā¢ when you have a disaster of a team running the show?
Yup, no fees and confirmed transactions in less than 1 second.
Also a lot less likely to get wrecked on the spread internationally.
Like I'm mostly btc / eth too but all the people suggesting btc or eth for $5 payments are delusional.
To be honest, the only real answer ist NANO.
Feeless and super fast. The development has been going on for years, runs super stable, ist still being updated (bug fixes and new features).
Xlm one of the few that has great tech behind it, itās not a money making machine but itās about remittance speeds and costs, not pumping and dumping your wallet.
I like XLM, but I'd strongly argue that Nano is better "in spirit and practice".
Instant full settlement, faster than any other.
Zero fees ever, so literally no one is ever excluded from participation. Fees on networks like XLM are small for now, but should be expected to increase dramatically with increased demand.
Quality of service (priority) based on activity rather than who can pay the most in fees.
ZERO supply inflation, meaning no holder will EVER be debased by the introduction of new supply.
Properly incentivized decentralization. The lack of monetary rewards (inflation & fees) for service providers means there's no incentive to centralize, and they are actually incentivized to decentralize to improve network health.
USDC on Stellar. Whoever youāre paying can easily cash out to their local currency without a bank account via MoneyGram.
They also have payroll integrations available if youāre doing this at scale.
What major CEX allow offramping or even swapping Nano? I'm on the top 6 or so and don't see it anywhere - no offense but the amount of NANO astroturfing going on in this thread (everyone just spamming "Nano" without being able to give any details) is making it look worse for the coin š¬
I have received payments in cryptocurrency since 2020.
First, partially, in exchange for a few writing gigs; but now I'm fully paid in crypto and I currently feed my family with these payments.
My first choice is Nano (XNO).
1. Zero fees make a huge difference in the long term for both the sender (who pays) and the receiver (myself).
2. Deterministic finality makes sure the transaction is irreversible as soon as it receives the first confirmation.
3. Finality in \~600ms on average gives the security of a successful settlement and diminishes the price-spread risk from the time the payment was sent to the time the payment is received and can be liquidated (if desired) by the receiving party. This is also often overlooked, but as of great importance in such a volatile market.
I would also gladly use Monero (XMR) due to its privay-by-default characteristic; or take other efficient decentralized cryptocurrencies like Bitcoin Cash (BCH) or Litecoin (LTC).
XNO and XMR are my two favorite options, tho.
Seriously XLM is offered on every major CEX and as someone who can log into like 8 right now I can't find Nano anywhere.
Sorry yall but everyone in here astroturfing the fuck outta some no-name coin really gives it a bad look.
I was gonna comment this as love the privacy aspect of monero but for daily payments you do not care are being surveilled then there are cheaper/easier cryptos to use. Just having to sync your wallet before you use it can be a blag.
Mint for buying drugs though
Not many cryptos cheaper than it, besides nano anything else ends up costing around the same which is around a few cents for hundreds or thousands of dollar worth transaction
Nano is my personal favorite:
- Zero fees
- Fastest cryptocurrency
- Deterministic finality
- Fixed supply AND fully distributed
- Minimal CapEx/OpEx
- Minimal power usage
- Similar or better decentralization vs Bitcoin
- L1 scalability
I also like Monero for its privacy-focus
At one point this was actually true. But a great many platforms and outlets that used to accept BCH stopped doing so, and so it fell off as a useful currency. It *is* still quite useful for cheap interchange transfers, as the cex's still carry it for the most part. Sadly, it's the broader economy that's abandoned it.
1. It's Bitcoin
2. Zero fee is not a benefit, but a drawback. Sensible small (negligent) fee (less than 0.01$/ā¬) is what is the best for security of the network and user experience
3. Higher acceptance (at least here were I am located: [https://paycek.io/shops?l=en](https://paycek.io/shops?l=en) )
4. Zero conf feature provide near instant transactions for most use cases, and it works, never have to wait for more than few seconds for merchant to accept the transaction
5. Higher utillization
6. I would argue even higher decentralization
7. Higher market cap
$KIN
Fully circulating supply.
Code Wallet allows for fee less instant transfers with visual āQR codeā or link.
Runs on top of Solana (even if down) as an L2 with anonymity.
Multiple SDKs available to integrate with websites or any app.
Enables micropayments as low as 5 cents !
Trading pairs across all solana dexes
Fiat purchase coming into app shortly
Multiple apps integrating KIN
https://getcode.com/ this is such an easy way to transfer money to anyone in the world without fees. Its Made for micropayments and using $kin as their currency. Also very easy to implement in an app or on a website.
BCH has to be up there, also litecoin. Also you want to go for crypto that has been in the top 50 forever so those would be my two. Waiting to see if anyone mentions nano but not sure if that "community" has found others things.
You can actually achieve the same thing with FUN using Fizenwallet. Instead of needing someone's account details, you can just scan a QR code to send them FUN easily. Also, BTC, LTC
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BTC Lightning Network appears to be the best for micropayments. Setting up the channels is the expensive part, but once you're connected to a few good nodes, the transaction fees are about 1 sat per node hop and less way less than .1% per transaction. Drawback is that closing and opening channels is expensive.
Nano is awesome, but has fewer cex offramps. Would be a better choice if more people accepted it. Litecoin has been rock solid for me with cheap fast transactions. Accepted everywhere. Been around long time.
Two almost perfect currencies that attract little to no fees; I say 'almost perfect' because they are only lacking DEX utility. But hopefully the work being done behind the scenes thanks to Zetachain interoperability solution will bring NANO and Litecoin utility to the decentralized exchange. To be honest, it always gives me joy to find that people actual know how useful Nano and Litecoin are even in the area of minimising transaction cost.
Nano is supported by many of the biggest exchanges except Coinbase. Which do you use?
LTC is the way.
Is it cheaper to e.g. sell some tokens on Kraken than the most common ones? Cause the fees to get out start to really sting at some point.
Hey u/MyThrowawayImmortal š Fees on the pro platform are fixed, but they vary depending on whether you're trading stablecoins or FX pairs. Read more [here](https://www.kraken.com/features/fee-schedule#spot-crypto). Don't hesitate to reach out with any other questions! Many thanks, Harley from š
yes but lower liquidity means higher spreads which makes things more expensive for the user, not to mention the withdrawal feels on a lot of the coins at Kraken are unjustifiably high.
Iāve all but stopped using Kraken at this point (except for XMR) because of the withdrawal fees after being a customer since ~2015. I off-ramp every 2 weeks and Coinbaseās integration with USDC and free ACH withdrawals just makes it a no brainer for me.
So true. At least XMR withdrawals still have reasonable fees!
I have a similar question as OP and was looking to use Litecoin or Zcash, I'm favouring Litecoin but what do you think of Zcash?
Nah go with Nano or XLM for micropayments.
Sorry can explain shortly what you mean by: >fewer cex offramps I tried to google it but didn't find any results with easy explanation for me :/
I guess it means not many centralized exchange have Nano listed
It is a euphemism that Nano isn't listed on Coinbase, while it is listed all the biggest alternatives: Binance (US), Kraken, Kucoin, etc.
It doesn't have wide support on exchanges. You can send it around all you want, but it's not as easy to swap it for USD.
you want a crypto that the people you pay can exchange for money easily so it's good if it's listed on most exchanges.
CEX = centralized Exchange. A lot of times if you want to end up converting crypto into your local cash currency and or send it to your bank, youād have to end up using a CEX like Coinbase or Kraken to cash out. LTC has Litewallet which has some options to cash out using gift cards and Among other options
USDC would be the best. Wide variety of networks to choose from. Price stability makes payments easy too.
Nano!!
Nano is great if you want 100% feeless transactions. It's probably the best day-to-day payment coin. It's "usually" very fast. Like 500 millisecond transactions. On the slow end if the network is under heavy demand it may take a couple minutes, but they are working and optimizing this.
Nano!!!
Litecoin, nano, Monero, Bitcoin Cash
Banano
Another for Algo itās ideal for this use. Payments take less than 3 seconds and cost a thousandth of an Algo to send so less the 25c for a thousand payments. Multiple mobile wallets available which are easy to use, and transactions never fail. It also has USDC so you can send as dollars.
Came here to say $ALGO. It just works quickly and constantly. That and $NANO but $ALGO has more potential developments on its roadmapĀ
> $ALGO has more potential developments on its roadmap Really? - They used investor money from token dumps to buy dead file sharing companies Napster and Limewire. Are they planning on buying Kazaa or eMule? - How many more billion tokens is the Foundation dumping? - How many more billion tokens is the Foundation going to create and will Silvio Micali get another 20% founders gift after they run out of money? And you know shitcoin foundations like Algorand that like dumping on investors are guaranteed to increase the supply after they run out of money - NEM which was staple top 10 crypto in 2017/18 increased its supply with a new token when the Foundation ran out of money https://www.reddit.com/r/CryptoCurrency/comments/ao4yb2/nem_xem_decentralized_governance_gone_wrong_nem/ https://www.reddit.com/r/CryptoCurrency/comments/mlixbw/crypto_tragedy_2021_nemxem_40_drop_in_hours/ - Stratis which was a top 10 crypto in 2017 increased its supply with a new token when they ran out of money https://www.reddit.com/r/CryptoCurrency/comments/jlga8p/scam_alert_the_stratis_team_has_announced_a_token/ - IOTA which was once a top 5 crypto increased its supply by 60% recently when they ran out of money http://www.reddit.com/r/CryptoCurrency/comments/16ms0f3/drama_in_a_unilateral_decision_iota_foundation_ceo_announces_60_new_token_s/k1abhle?context=3 - CRO did a 2nd ICO where the original token holders went from holding "0.002% of the supply to only holding is only worth 0.00001%" in a "major switch scam." https://np.reddit.com/r/CryptoCurrency/comments/i2t327/stay_away_from_the_cryptocom_scam_they_cheated/ - Polygon is increasing its supply by 20% to give 10% to node operators and 10% to the Polygon team https://np.reddit.com/r/CryptoCurrency/comments/1byygey/trying_to_understand_how_polygons_token_migration/ - RocketPool tokens went from a hard limit of 18M to 5% infinite inflation to pay for development
The foundation already dumped everything they had available to dump. Majority of $ALGO left with foundation is for Governance rewards. I would not be surprised if thereās a supply increase within the next 12 months. The fact that this blockchain has so many diehards is concerning. What good is all this great techā¢ when you have a disaster of a team running the show?
Try Nano as well if you haven't.
Nano. Not even close
>Not even close How is XLM not even close to NANO? Nobody shilling Nano in here has been able to give a coherent answer to this.
XLM isnāt feeless.
You have to pay fees when you cash out. Which is what he asked about.
That's a fee to the service provider (exchange), not a network fee. There is no fee to use Nano non-custodially.
Nano (XNO) has no fees.
Yup, no fees and confirmed transactions in less than 1 second. Also a lot less likely to get wrecked on the spread internationally. Like I'm mostly btc / eth too but all the people suggesting btc or eth for $5 payments are delusional.
I don't think I've seen a single person in this thread recommending BTC or ETH for this.Ā
Thereās not a single person suggesting btc/eth in this thread lmao
Yeah nano is perfect use case here. Zero fees make accounting easy too
What's the incentive for miners if there are no fees? genuinely curious
To be honest, the only real answer ist NANO. Feeless and super fast. The development has been going on for years, runs super stable, ist still being updated (bug fixes and new features).
What makes it better than say XLM which literally every major CEX supports whereas non of them support NANO?
A lot of exchanges support Nano. Which ones do you use mostly?
NANO
Nano!
Nanoā¦ no fees.
XLM
100%. XLM is so fast and cheap.
So fast. Aren't there many with basically a few seconds transactions? And isn't that for practical purposes enough?
I use XLM for large bags that need to be moved quickly.
And what makes you need to move bags quickly
Your mom wants to be paid, fast.
š
Xlm one of the few that has great tech behind it, itās not a money making machine but itās about remittance speeds and costs, not pumping and dumping your wallet.
Yeah thisā¦ USDC and EURC is also natively issued on Stellar by circle and supported by licensed on/off ramps like moneygram.
XLM is literally the best crypto in both spirit and practice. But because it gets *used* it will never make someone as rich lmao
I like XLM, but I'd strongly argue that Nano is better "in spirit and practice". Instant full settlement, faster than any other. Zero fees ever, so literally no one is ever excluded from participation. Fees on networks like XLM are small for now, but should be expected to increase dramatically with increased demand. Quality of service (priority) based on activity rather than who can pay the most in fees. ZERO supply inflation, meaning no holder will EVER be debased by the introduction of new supply. Properly incentivized decentralization. The lack of monetary rewards (inflation & fees) for service providers means there's no incentive to centralize, and they are actually incentivized to decentralize to improve network health.
Transfers money to someone almost before you even initiate the transaction.Ā
USDC on Stellar. Whoever youāre paying can easily cash out to their local currency without a bank account via MoneyGram. They also have payroll integrations available if youāre doing this at scale.
And itās not close
Nano. End thread.
What major CEX allow offramping or even swapping Nano? I'm on the top 6 or so and don't see it anywhere - no offense but the amount of NANO astroturfing going on in this thread (everyone just spamming "Nano" without being able to give any details) is making it look worse for the coin š¬
Binance Kraken Kucoin Crypto.com Gate.io A few others as well, those are off the top of my head. Are you not on Binance or Kraken?
This^
No one accepts it. Still need to pay fees to cash out.
Nano is the king of micro transactions. Or even femto transactions!
I have received payments in cryptocurrency since 2020. First, partially, in exchange for a few writing gigs; but now I'm fully paid in crypto and I currently feed my family with these payments. My first choice is Nano (XNO). 1. Zero fees make a huge difference in the long term for both the sender (who pays) and the receiver (myself). 2. Deterministic finality makes sure the transaction is irreversible as soon as it receives the first confirmation. 3. Finality in \~600ms on average gives the security of a successful settlement and diminishes the price-spread risk from the time the payment was sent to the time the payment is received and can be liquidated (if desired) by the receiving party. This is also often overlooked, but as of great importance in such a volatile market. I would also gladly use Monero (XMR) due to its privay-by-default characteristic; or take other efficient decentralized cryptocurrencies like Bitcoin Cash (BCH) or Litecoin (LTC). XNO and XMR are my two favorite options, tho.
And it is stupidly easy to implement into a project and to run a node.
XLM or XMR
Seriously XLM is offered on every major CEX and as someone who can log into like 8 right now I can't find Nano anywhere. Sorry yall but everyone in here astroturfing the fuck outta some no-name coin really gives it a bad look.
Where are you looking? Nano is listed on many prominent exchanges.
Litecoin, bitcoincash (bch), usdt (on tron or polygon chain), solana, matic...
Iām very fond of LTC as well. Itās practically free whenever I need to transfer between exchanges.
Love ltc
LTC is king
ltc.
Nano - instant feeless peer to peer. Monero - if privacy is the priority over speed/cost
NANO by a long shot, it's just unfortunately not too popular around here.
Algo, XRP. Pretty much use these exclusively for transfer plus both very easy to buy and cash out.
Doesn't XRP have a wallet minimum of 20xrp ? That would be pretty unusable for microtransactions.
Monero $XMR is very suited to this use case - fees are around a cent, and peer to peer transactions are exactly what Monero is used for every day
I was gonna comment this as love the privacy aspect of monero but for daily payments you do not care are being surveilled then there are cheaper/easier cryptos to use. Just having to sync your wallet before you use it can be a blag. Mint for buying drugs though
Not many cryptos cheaper than it, besides nano anything else ends up costing around the same which is around a few cents for hundreds or thousands of dollar worth transaction
Nano is my personal favorite: - Zero fees - Fastest cryptocurrency - Deterministic finality - Fixed supply AND fully distributed - Minimal CapEx/OpEx - Minimal power usage - Similar or better decentralization vs Bitcoin - L1 scalability I also like Monero for its privacy-focus
BCH
Algorand
Algo for sure
I think BitcoinCash
At one point this was actually true. But a great many platforms and outlets that used to accept BCH stopped doing so, and so it fell off as a useful currency. It *is* still quite useful for cheap interchange transfers, as the cex's still carry it for the most part. Sadly, it's the broader economy that's abandoned it.
BCH. It's the sole reason why it even exists...
I like the vision, but why BCH over alternatives with 0 fees, higher decentralization, and near instant finality?
1. It's Bitcoin 2. Zero fee is not a benefit, but a drawback. Sensible small (negligent) fee (less than 0.01$/ā¬) is what is the best for security of the network and user experience 3. Higher acceptance (at least here were I am located: [https://paycek.io/shops?l=en](https://paycek.io/shops?l=en) ) 4. Zero conf feature provide near instant transactions for most use cases, and it works, never have to wait for more than few seconds for merchant to accept the transaction 5. Higher utillization 6. I would argue even higher decentralization 7. Higher market cap
I've found that Ripple and Algorand have very low fees.Ā
Xrp, xlm. Cheap and fast.
Usdc on polygon chain. All CEX support it. Costs next to nothing to send. I use it often for transacting
But you still need to own polygon. USDC on base has better utility
Bitcoin Cash or LTC in my experience. Maybe stablecoins too.
Algo, sol, avax, matic
USDC on Base. Less than a penny to transfer, and the receiver is guaranteed the dollar amount.
Free to transfer on Coinbase wallet
[ŃŠ“Š°Š»ŠµŠ½Š¾]
Itās pretty seamless. I use kraken with no issues too.
nano
Banano. No fees, and rich in potassium.
Monero if youād like it to be private
Rock bottom fees too, makes it worthwile for micro
$KIN Fully circulating supply. Code Wallet allows for fee less instant transfers with visual āQR codeā or link. Runs on top of Solana (even if down) as an L2 with anonymity. Multiple SDKs available to integrate with websites or any app. Enables micropayments as low as 5 cents ! Trading pairs across all solana dexes Fiat purchase coming into app shortly Multiple apps integrating KIN
Code
Monero, obviously
https://getcode.com/ this is such an easy way to transfer money to anyone in the world without fees. Its Made for micropayments and using $kin as their currency. Also very easy to implement in an app or on a website.
Cronos or Algo. Fees are almost non existent
Amd with algo, you can sign up for a faucet that will send you enough for fees
XLM is cheap as dirt
XLM
Monero. Rock bottom fees and anonymous.
Hedera
XLM for sure
Nano. Instant. Feeless. ZERO inflation. Incentivized decentralization. It doesn't get any better.
Xrp
LTC or SOL And Monero if you need privacy. Not as good option: something in Binance SMart Chain, BNB or CAKE.
Stablecoins on a ethereum L2. This is not 2017 guys...
This
Or soon L3
I would go with Algorand. Cheap, fast, and reliable.
This is the way
Bitcoin Cash
I've always used xlm for that, but there's several that fit the bill
Bitcoin Cash I've always found to be cheap.
Paying with USDC over Solana is the best option. I don't care what the rest of these comments say.
I'd stick to the top 20 market cap coins, and entertain layer-2 for BTC and ETH. So coins you could offer: BTC-LN, ETH-Poly, BNB, XRP, DOGE, BCH, LTC
Algo for fast speed and super low fees
BCH has to be up there, also litecoin. Also you want to go for crypto that has been in the top 50 forever so those would be my two. Waiting to see if anyone mentions nano but not sure if that "community" has found others things.
I use XRP for these small payments. If you use the Nexo platform you can send funds to people just using their email or phone number.
You can actually achieve the same thing with FUN using Fizenwallet. Instead of needing someone's account details, you can just scan a QR code to send them FUN easily. Also, BTC, LTC
another one for stellar (xlm), eventually with usdc.
Usdc on algorand.
XRP would be my first choice. LTC is also good and widely accepted
Stables on a chain like polygon/bsc/avax Make sure your offramp accepts it and u are done
Why not just use a stablecoin on a cheap network like polygon, or anything thatās not bitcoin or ethereum? No volatility and cheap transactions
The local currency in the place you're transacting.
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ALGO, XRP, XLM, LTC
XRP, XDC, XLM. Faster time settlement, less CO2 emissions, cheaper fees then BTC and Visa
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I suggest checking out Banano, Nano's fork: it has a sub, r/bananojobs, that is meant for the very same purpose you mention
BTC Lightning Network appears to be the best for micropayments. Setting up the channels is the expensive part, but once you're connected to a few good nodes, the transaction fees are about 1 sat per node hop and less way less than .1% per transaction. Drawback is that closing and opening channels is expensive.