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Straight talk on crypto, gift cards, and digital finance in Nigeria — written by the team building Conzo.
Straight talk on crypto, gift cards, and digital finance in Nigeria — written by the team building Conzo.

Open question for the team: which USDT networks does Conzo accept for deposits today? Choosing the right USDT network is the easiest way to keep more of your money when you sell crypto in Nigeria. The right pick means lower fees and faster transfers.
The short answer: for most people selling USDT in Nigeria, TRC20 or BEP20 is the cheapest and fastest choice. ERC20usually costs the most. But the right network is always the one your receiving platform supports, and that matters more than fees.
This guide explains what USDT networks are, compares the main ones side by side, and shows how to send USDT smoothly every time.
USDT (Tether) is a digital dollar that exists on several blockchains at once. Each blockchain is a separate “road” the money travels on. TRC20 means USDT on the Tron blockchain, ERC20 means USDT on Ethereum, and BEP20 means USDT on BNB Smart Chain.
USDT is worth the same $1 on every network. What changes is the cost to send it, how fast it arrives, and what the wallet address looks like. The key rule: the sending network and the receiving network must match. Send TRC20 USDT to a TRC20 address, BEP20 to a BEP20 address, and so on.
Fees are approximate and change with network traffic and each exchange’s own withdrawal charges. Always check the fee shown on the withdrawal screen before you confirm.
Editor’s note: verify these figures on the day of publishing and update the “last updated” date.
Start with what the receiving platform accepts, then pick the cheapest of those.
Selling small amounts often (under $100): use BEP20 or TRC20. A low-fee network lets you keep more of every sale.
Moving large amounts: fees matter less as a percentage. Pick the network you trust and that both sides support; TRC20 is the most widely accepted for USDT.
Receiving from a client or platform: use whatever network they send on, and give them the matching address from your app.
Not sure? A small test transfer is a quick way to confirm everything before you send the full amount.
Conzo charges zero deposit fees, so the only cost of getting USDT in is the network fee your sending wallet charges.
Open the Conzo app and tap Deposit.
Choose USDT, then pick the network you’re sending from.
Copy your deposit address, or scan the QR code from your sending wallet.
Check that the network in your sending wallet matches the network you picked on Conzo. Then send.
Once the deposit lands, sell for Naira, swap to another crypto, or keep it in dollars.
Add a screenshot for steps 2 and 4.
The network in your sending wallet matches the network on your deposit screen.
You copied the full address. Check the first and last 4 characters after pasting.
You’ve seen the network fee and it makes sense for the amount.
For a first-time transfer or a large amount, you’ve sent a small test first.
Is TRC20 the same as ERC20? No. Both are USDT worth $1, but they live on different blockchains (Tron and Ethereum). You can’t send one to an address meant for the other.
Which USDT network has the lowest fees? BEP20 and TRC20 are usually the cheapest. ERC20 is usually the most expensive. Fees change, so always check the withdrawal screen.
Can I recover USDT sent on the wrong network? In many cases, yes. If the receiving platform controls the address, its support team can usually help. Just share your transaction hash.
How long does a USDT transfer take? Usually under 5 minutes on all three networks. Delays usually come from the sending exchange processing the withdrawal, not the blockchain.
Does Conzo charge to receive USDT? No. Conzo charges zero deposit fees. You only pay the network fee charged by the wallet or exchange you send from.
With Conzo, you can receive USDT with zero deposit fees, sell it for Naira, swap it to other crypto with zero swap fees, or pay bills, all in one app.
Download Conzo: Receive, Swap & Manage on the App Store or Google Play. www.download.conzo.africa
Follow @useconzo on all socials for rate updates and guides.
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