United States to Canada
9 providers cover United States → Canada at a median all-in cost of 0.60% and median settlement of 0s — 8 with licence claims on file.
Sending USD to Canada on stablecoin rails costs a median 0.60% all-in and settles in 0s, across 9 providers. The cheapest verified option is Crypto.com at Exchange0.25%maker/0.50%taker(basetier) with direct ACH settlement; the fastest is Flipcash (Code) at instant credit. You do not need a Canada entity — 8 providers settle through a MiCA — CASP authorisation-authorised partner.
Self-reported pricing at the $250k – $1M band. 6 of 9 providers disclose an all-in fee; 3 have not published pricing at this band yet.
What it costs to move USD to Canada, and what drives the price
9 providers cover US → Canada, and median all-in cost where disclosed is 0.60% with median settlement at 0s. 8 document ACH on this route. 8 publish at least one licence claim for Canada.
When spreads are tight, structure separates providers: whether they hold local authorisation, whether FX is locked at quote or at execution, and whether reconciliation output matches your ledger without manual work. Buyers who switch providers usually cite the third, not the first.
Volume changes the answer. Below roughly $250,000 a month, API-first ramps usually win on integration speed and no minimums. Above it, desks with their own local book often price meaningfully tighter and will negotiate.
All-in fee bands on this route
From provider-filed pricing on this corridor. Updated when commercials change.
Which provider type fits your volume
The answer inverts at roughly $250k a month. This is the single most useful rule on this route.
United States → Canada, answered
From real buyer questions. Marked up as FAQPage.
The 0.60% median on this route summarises 6 disclosed quotes across a 235 basis-point spread. The midpoint alone will not pick your provider — what separates them is whether FX is locked at quote or at execution — on a $2M month that difference is worth more than the entire fee spread.