Short answer: for most players the best coin to deposit is a US-dollar stablecoin on a low-fee network, such as USDT on TRON, Solana, BSC or Polygon. Your deposit keeps its dollar value while it travels, and the network fee is small. If you already hold another coin, depositing that coin directly is usually cheaper than converting it first. Litecoin, TRX, Solana and XRP are also quick and cheap to move; Bitcoin and Ethereum-based tokens work well, but cost more when their networks are busy.
The Skroll cashier accepts 17 coin-and-network combinations. This guide explains what actually differs between them (price risk, fees, speed and a few traps), then compares all 17 in one table.
What actually matters when you pick a coin
There are four things worth comparing, and one that people worry about but matters less than they think.
- The network fee. Paid by you, to the blockchain, when you send. It depends on the network and how busy it is, not on Skroll. We do not add a deposit fee.
- Speed. How quickly the network confirms the transfer. Your deposit is credited automatically once our payment processor has seen enough confirmations, so slow networks mean a longer wait.
- Price risk in transit. Covered in the next section. Short version: it only exists for the minutes your coins are travelling, and again when you withdraw.
- Traps. Some coins exist on several networks, some share an address format with other coins, and two of them can use a memo or tag. Each trap is a way to lose a deposit.
- The minimum. Every coin has a minimum deposit, set by our payment processor and shown on the deposit screen. It changes with network conditions, so we do not print fixed numbers here.
Stablecoins vs volatile coins: where the price risk really is
When a deposit is confirmed, it is converted into site coins on your Skroll balance at the exchange rate applied at that moment, as shown on the deposit page. From then on your balance is counted in US dollars, whether you deposited Bitcoin or Dogecoin. A falling Bitcoin price does not shrink a balance that is already on the site.
So the price risk of a volatile coin sits in two places:
- While the transfer is confirming. The deposit page tells you the amount you will receive is an estimate and that the final rate is fixed when the transaction is processed. On a fast network this window is short; on a slow or congested one it is longer.
- When you withdraw. A withdrawal is paid in the coin you choose, at the rate at that time. If that coin then falls in your own wallet, that is outside the site, but it is still your money.
A stablecoin (USDT or USDC) removes most of both risks, which is why we suggest it as the default. If you would hold a volatile coin anyway, depositing it directly is fine: converting it to a stablecoin first costs you an exchange fee and a second transfer.
All 17 coins and networks compared
The names below are the ones used in the cashier, with the ticker added in brackets. Block times are the network's design figures; fee levels are relative and move with network load, so check the fee your wallet quotes before you confirm. The deposit page always shows which coins are currently enabled.
| Cashier option | Network | Typical block time | Network fee | Watch out for |
|---|---|---|---|---|
| Bitcoin (BTC) | Bitcoin | about 10 minutes | varies; can be high when busy | The slowest to credit. Better for larger amounts than for small top-ups. |
| Ethereum (ETH) | Ethereum | about 12 seconds | varies with gas | Fees rise sharply when the network is busy. |
| Litecoin (LTC) | Litecoin | about 2.5 minutes | low | Few traps. A good all-rounder. |
| Bitcoin Cash (BCH) | Bitcoin Cash | about 10 minutes | low | Not Bitcoin. Sending BTC to a BCH address (or the reverse) is a wrong-coin deposit. |
| Tether USD (Tron) | TRON (TRC20) | about 3 seconds | paid in TRX; depends on your energy | Keep some TRX in a self-custody wallet. Step-by-step guide. |
| Tether USD (Ethereum) | Ethereum (ERC20) | about 12 seconds | paid in ETH; often the highest for USDT | Same 0x address format as BSC and Polygon: pick the network carefully. |
| Tether USD (BSC) | BNB Smart Chain (BEP20) | a few seconds or less | low, paid in BNB | Same address format as Ethereum. |
| Tether USD (Solana) | Solana | under a second | very low, paid in SOL | Keep a little SOL in the sending wallet. |
| Tether USD (Polygon) | Polygon | about 2 seconds | low, paid in POL | Same address format as Ethereum. |
| USD Coin (Ethereum) | Ethereum (ERC20) | about 12 seconds | paid in ETH | Only USDC on Ethereum is accepted. USDC sent on any other network is lost. |
| Ton (TON) | TON | a few seconds | low | Can use a comment (memo). See below. |
| Tron (TRX) | TRON | about 3 seconds | low | Do not confuse with Tether USD (Tron); they are different cashier options. |
| Dogecoin (DOGE) | Dogecoin | about 1 minute | low | Price moves a lot; a stablecoin avoids that. |
| Ripple (XRP) | XRP Ledger | 3 to 5 seconds | very low | Can use a destination tag. Your wallet also keeps a small XRP reserve that cannot be sent. |
| Binance Coin (BSC) | BNB Smart Chain | a few seconds or less | low | Send BNB on BNB Smart Chain only. |
| Solana (SOL) | Solana | under a second | very low | Few traps; fast and cheap. |
| Shiba Inu (BSC) | BNB Smart Chain | a few seconds or less | low, paid in BNB | Only SHIB on BNB Smart Chain. Most SHIB lives on Ethereum; ERC20 SHIB sent here is lost. |
Coins that can need a memo or tag: XRP and TON
On most networks an address is enough. XRP and TON are different: many services share one address between customers and tell them apart with an extra field, called a destination tag on XRP and a comment or memo on TON.
- If the deposit screen shows a tag, memo or comment, you must include it exactly. Without it the payment cannot be matched to you.
- Do not invent one. If the screen shows only an address, do not add a tag of your own.
- If you are not sure, ask before you send. Open a support ticket first; a question costs nothing, a mismatched XRP or TON transfer can cost the whole deposit.
Exchanges add to the confusion: their withdrawal form often has a "memo" or "tag" field that is optional for some destinations and required for others. Fill it only with what our deposit screen gives you.
Which coin to use for withdrawals
Withdrawals are paid in crypto to a wallet you own. A few points make the choice easy:
- Pick a coin and network your receiving wallet or exchange supports. If your exchange only accepts USDT on TRON, withdraw USDT on TRON. A withdrawal sent to an address on the wrong network cannot be reversed.
- The network fee is deducted from the amount you withdraw. The withdrawal screen shows the estimated network fee and what you will receive. Low-fee networks leave more of a small withdrawal in your pocket.
- We may ask you to withdraw in the coin you deposited, to stop the site being used as a currency exchange. This is in our terms.
- Timing is mostly not about the coin. Every withdrawal is reviewed by a person and approved within 24 hours. After approval, the coin decides how long the blockchain takes. How withdrawals work explains the review.
How deposits are credited at Skroll
Deposits are processed by our payment partner, NOWPayments. When you start a deposit, the cashier creates a one-time address for that payment. After your transfer reaches the address, the processor waits for the number of network confirmations it requires for that coin, then marks the payment complete, and the amount is added to your balance automatically. You can follow each deposit under Account → Balance History → Deposits: it shows as Pending, then Completed.
Three rules apply to every coin:
- Send only the coin shown, on the network shown, to the address shown. Anything else is lost and cannot be refunded.
- Send at least the amount on the deposit screen, and never less than the minimum. Underpaid deposits are not credited, and the blockchain does not return them.
- Use each deposit address once. Start a new deposit each time.
If something has gone wrong already, our missing-deposit checklist shows how to find your transaction and what to send support. The FAQ covers the rest, and the welcome bonus page explains how your first deposit is matched.
Our recommendations, by situation
- First deposit, small amount: USDT on TRON, Solana, BSC or Polygon, whichever your wallet or exchange supports with the lowest quoted fee.
- You already hold BTC or ETH and want to keep things simple: deposit it directly and accept a slower or pricier transfer on busy days.
- You want to avoid price swings completely: USDT or USDC, and withdraw in the same stablecoin.
- You use an exchange that lists only one network for a coin: choose the matching cashier option, and double-check the name before you send.