Provider at a glance
- Category
- Crypto Remittances
- Entity
- Not verified
- Official website
- westernunion.com
Independent rankingchecked How it works
Details
Scored 62 out of 100 under methodology 2026.10.18, from the evidence read in October 2026.
Western Union (USDPT on Solana)
Western Union's stablecoin on Solana
Crypto Remittances
#5 Overall
Ranked #5 of 7 crypto remittances in the published ranking
62
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Western Union (USDPT on Solana) right for you?
Right for you if these matter most
- Payout Partner and Two-Leg Regulatory Exposure8/10; the category best is 9
Look elsewhere if these come first
- Delivered Value at USD 2005/10 here; Remitly (stablecoin rails) scores 8
- Corridor Proof and Payout Method3/10 here; Remitly (stablecoin rails) scores 7
- Recipient Burden3/10 here; Strike Send Globally scores 8
Not yet tested for your country. Markets it lists: Global.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best remittance corridor shows where it lands for you.
What will Western Union (USDPT on Solana) cost you?
Not priced on this basis
- Your monthly volume
- $1k
How safe is Western Union (USDPT on Solana)?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read October 2026.
- LicenceMiCA (EU): no register record on file here.
Alternatives to Western Union (USDPT on Solana)
Compare all 4- 3Remitly (stablecoin rails)11 points above · stronger on delivered value (8 against 5)73
- 4Strike Send Globally7 points above · stronger on recipient burden (8 against 3)69
- 6Bitnob15 points below · stronger on recipient burden (8 against 3)47
For your setup
Find out if Western Union (USDPT on Solana) fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Western Union (USDPT on Solana) lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
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Find my best remittance corridorNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Western Union (USDPT on Solana) ranks #5
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (14.7 here) sit inside the score; availability, friction, trust record and measured data add the rest.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
355+5.605.09#4/7Loading evidence…
253+2.407.010#7/7Loading evidence…
223+2.118.010#6/7Loading evidence…
188+4.617.09#2/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−7behind Strike Send Globally, #4
RobustnessHoldsacross a one-point change to each of its 4 criterion scores, the re-run scores 60–65 and stays #5
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Western Union (USDPT on Solana)’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Delivered Value at USD 200 5 → 8 on its ladder · passes Strike Send Globally+369#5 → #4
Corridor Proof and Payout Method 3 → 7 on its ladder · passes Strike Send Globally+469#5 → #4
Recipient Burden 3 → 8 on its ladder · passes Strike Send Globally+569#5 → #4
Smallest climb: delivered Value at USD 200 5 → 8 passes Strike Send Globally, #4.
Strengths
1 from the score dataWhere it leads
Best for readers who weight
- Payout Partner and Two-Leg Regulatory Exposure — 8/10, category best 9/10
Tradeoffs
3 from the score dataWhere it trails
Not for readers who put first
- Delivered Value at USD 200 — 5/10 against a category best of 9/10
- Corridor Proof and Payout Method — 3/10 against a category best of 10/10
- Recipient Burden — 3/10 against a category best of 10/10
Record watch-outs
- THE SCOPE FINDING, verified and unchanged: Western Union's consumer product has NO blockchain rail on its sender-facing surfaces. The sender buys an ordinary fiat cash-pickup transfer; nothing in that flow mentions USDPT, Solana or a wallet. The crypto is entirely a RECIPIENT-side opt-in, and WU's own FAQ makes the direction explicit — the redirect is initiated by the receiver inside the app ("On the 'Add funds' screen, funding options may include: ... Redirecting received Western Union money transfers, where eligible") and "This is only applicable for money transfers originally sent for cash pickup." The sender never chooses the rail. WU's own USDPT page still lists "Money Transfers Received in USDPT" under "Here is what is coming soon". That same "coming soon" list is stale, not uniformly true. "Visa® Payment Card Mobile App" is listed as coming soon on a page that Western Union was serving on 2026-08-12, eight days after it press-released the product as live in 37 markets, three weeks after the terms took effect, and after the app had shipped on both stores. Read the page as out of date rather than as a statement that nothing has launched. Second, reproducible defect, re-verified: the consumer contract's chain definition excludes the chain the product's own token lives on. The terms define "Supported Blockchains" means the Ethereum Blockchain, Polygon Blockchain, Optimism Blockchain, Arbitrium Blockchain and other blockchain networks which may be added at the sole discretion of Issuer." Solana is absent — yet USDPT is an SPL Token-2022 mint on Solana, read directly on chain. ("Arbitrium" is Western Union's own typo.) Third: the FAQ promises "Get started with no credit check, no minimum balance, and no hidden fees" on the same page that answers "Are there fees for using Stablecard by Western Union?" with "Yes, there are fees, including charges for card use and ATM withdrawals. Other fees may apply; all fees can be found in the Terms and Conditions" — a schedule that lives on a separate Webflow domain and includes a $60 expedited shipping charge and a $16 replacement card. Fourth, NEW: the mint's permanentDelegate is the SAME address as its mintAuthority (C2QJ4HKLWzWRNprAmKoyd6YqXouVHFZuLKujdqtF4ZDt), so the issuer can move any holder's USDPT unilaterally; the mint also carries a live pausableConfig, a freezeAuthority, a mintCloseAuthority and a transferFeeConfig currently set to 0 bps but amendable by authority 8N2NFYQ5VMaoDGMAcUbfzdeJqvok6LQs2E9BxDK6mMAE. None of this is disclosed on WU's USDPT page. Fifth, NEW and minor: the card terms print the Issuer contact number as "+1-720-945-935" in the Issuer section and "+1-720-945-9350" three times elsewhere — one digit short in the place a cardholder is told to write to about cost changes.
Competitive position
Where Western Union (USDPT on Solana) leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 714.0 of 20 · pool best
Published criteria#6 / 711.0 of 30 · best 20.2
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 78.3 of 18 · constant here
Where Western Union (USDPT on Solana) leads
- Payout Partner and Two-Leg Regulatory Exposure#2 / 7
Where it trails
- Corridor Proof and Payout Method#7 / 7
- Recipient Burden#6 / 7
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Strike Send Globally#4 of 7 · score 69 · 7.0 points ahead
Western Union (USDPT on Solana) leads on
- Delivered Value at USD 2005 vs 3
- Payout Partner and Two-Leg Regulatory Exposure8 vs 7
Strike Send Globally leads on
- Corridor Proof and Payout Method6 vs 3
- Recipient Burden8 vs 3
Largest single reason Strike Send Globally is ahead: published criteria (+6.2 display points).Scenario cost: Strike Send Globally has no verified pricing for this scenario.
Remitly (stablecoin rails)#3 of 7 · score 73 · 11.0 points ahead
Western Union (USDPT on Solana) leads on
- Payout Partner and Two-Leg Regulatory Exposure8 vs 6
Remitly (stablecoin rails) leads on
- Delivered Value at USD 2008 vs 5
- Corridor Proof and Payout Method7 vs 3
Largest single reason Remitly (stablecoin rails) is ahead: published criteria (+10.7 display points).Scenario cost: Remitly (stablecoin rails) has no verified pricing for this scenario.
Bitnob#6 of 7 · score 47 · 15.0 points behind
Western Union (USDPT on Solana) leads on
- Delivered Value at USD 2005 vs 4
- Payout Partner and Two-Leg Regulatory Exposure8 vs 3
Bitnob leads on
- Corridor Proof and Payout Method7 vs 3
- Recipient Burden8 vs 3
Largest single reason Western Union (USDPT on Solana) is ahead: availability (+20.8 display points).Scenario cost: Bitnob has no verified pricing for this scenario.
Against the leader
81 vs 62 · gap 19.0Why Morse (formerly Sling Money) ranks above Western Union (USDPT on Solana)
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 19.0 to within rounding. Western Union (USDPT on Solana) is ahead on availability (+5.2 in its favour).
DimensionThisMorse (formerly Sling Money)Gap share
Availability · 23% weight14.012.0+5.2, better
Published criteria · 35% weight11.020.2−23.9, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight · constant here8.38.3same
Published criterionThisMorse (formerly Sling Money)Points
Delivered Value at USD 200 · w3559−4.48, worse
Corridor Proof and Payout Method · w2539−4.80, worse
Recipient Burden · w2238−3.52, worse
Payout Partner and Two-Leg Regulatory Exposure · w1887+0.58, better
Net6281−19.0
Your scenario
Western Union (USDPT on Solana) is not priced for this scenario
Transfer spread on your volume for a year. Excludes network gas and any withdrawal fee. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Your monthly volume · your input$1k
Rate read from the provider’s published pricing ↗ on 28 October 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 October 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessHoldsrank #5 across every one-point re-run
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 October 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Delivered Value at USD 200strength 5 · weight 35Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Corridor Proof and Payout Methodstrength 3 · weight 25Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Recipient Burdenstrength 3 · weight 22Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Payout Partner and Two-Leg Regulatory Exposurestrength 8 · weight 18Report an error—28 October 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Regulatory failure (Western Union (USDPT on Solana) 8/10): no licence where you are, or a forced market exit.Scored by Payout Partner and Two-Leg Regulatory Exposure · 18%
- Execution failure (Western Union (USDPT on Solana) 3/10): you get a worse price, later, or nothing.Scored by Corridor Proof and Payout Method · 25%
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Delivered Value at USD 200 (35%), Recipient Burden (22%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- Western Union publishes NO price for the USDPT rail as a send. Its blockchain product is priced in three legs, and none of them is quoted to the sender together. All figures below were fetched 28 September 2026. (1) Sender leg. The only figure in prose on https://
www .westernunion .com /us /en /transfer-fees .html is promotional and excluded: "Get a $0 transfer fee" "on your first international online transfer and enjoy convenient exchange rates." Beside it: "Yes, Western Union charges transfer fees. The total costs of your transfer will vary based on where you're sending money, how you pay, how your receiver gets it, and the amount you send." Standing prices were obtained by reproducing Western Union's own pricing endpoint: POST https:// www .westernunion .com /wuconnect /prices /catalog, with the request shape taken from getPriceCatalogBodyRequest in the live bundle main.b01ef7076f2ea249.js. At 28 September 2026 09:10:05 UTC it returned code P0000 "OK.SUCCESSFUL PROCESSING". For US->MX, send_amount 200, bank or debit funding: cash pickup gross_fee 3.99, fx_rate 17.4303, receive_amount 3487 MXN; bank deposit gross_fee 1.99, fx_rate 17.3417, receive_amount 3469 MXN. Credit-card funding costs 9.99 and 7.99. WU's own pricing_context carries base 17.71377400 with margins "1.6" (cash) and "2.1" (bank). Worked example (our arithmetic, returning customer): against a USD/MXN mid of 17.8108 (Yahoo Finance MXN=X, 09:09 UTC) the margin is 2.14% for cash and 2.63% for bank, so the all-in cost is 4.13% for cash pickup and 3.63% for bank deposit with bank or debit funding, and 7.13% / 6.63% credit-funded. (2) Recipient card leg, from Schedule 1 of https:// westernunionstablecardlegal .com /international-consumer-card-terms ("The information about the cost of the Card described in the above table is accurate as of July 24, 2026."): "Card Issuing Fee (Virtual) $0"; "Card Issuing Fee (Physical) $12 (first 150,000 cards free; requires 2 purchases over $30 within the first 30 days from activation)"; "ATM Balance Inquiry $0.60"; "ATM Withdraw $2 + 2% (ATM operator may charge additional)"; "Crypto Conversion Fee (using crypto to spend in fiat (FX)) N/A"; "Cash-Out via ABMT (DAN) $1.99 plus 2%"; "Replacement Plastic Card $16"; "Expedited Shipping $60"; "- Foreign Transaction Fee: 1% for transactions made outside of home country"; "- Cross Border Fee: None". (3) The fiat->USDPT redirect leg is priced nowhere. The Stablecard FAQ says only that "the money transfer is converted from the original fiat currency to USDPT", with no rate, margin, benchmark or fee amount.Western Union (USDPT on Solana) — official pricing page ↗ · 28 October 2026 - Prices published in
- USDWestern Union (USDPT on Solana) — official pricing page ↗ · 28 October 2026
- Licences held
- United States: Registration / authorisation
- Compliance level
- partial
- Regulatory note
- All quotes re-verified character-exact 12 August 2026 against the vendor's recipient-facing FAQ. Install an app: "You can apply for Stablecard by Western Union through the Stablecard mobile app." Pass a third party's KYC: "Yes, identity verification is required to apply for Stablecard by Western Union." and "Identity verification is performed by Rain or its authorized service providers."
- Supported chains
- US -> Mexico (CONVENTIONAL FIAT rail only; live quote independently reproduced 2026-08-12: cash pickup, bank deposit, mobile wallet; available_funds_in CC,AR,AC,AD,GP,DC,AP), USDPT consumer money transfer: ZERO destination markets named on any Western Union surface - 'Money Transfers Received in USDPT' still sits under 'Here is what is coming soon' as of 28 September 2026, Stablecard (USDPT + Visa): '37 markets' per the 4 August 2026 press release, which I re-fetched and which names NO country anywhere; '60+ markets by the end of the year' targeted, Nigeria - named positively in the International Consumer Card Terms sec. 8.4, marketed by BANEX Microfinance Bank Limited, licensed by the Central Bank of Nigeria, United States - separate 'US Consumer Card Terms' published, so the US is the second positively implied Stablecard market. Exactly two, which just clears the criterion's 0-2 trigger, A negative list exists: Rain Prohibitions List, 'Last Updated: 27 April 2026' - cards cannot be ISSUED in Belarus, China (Mainland), Cuba, India, Iran, Iraq, Israel, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam, NEGATIVE LIST: cards cannot be USED FOR SPENDING in Cuba, Iran, North Korea, Russia, Syria, Ukraine, Venezuela, Philippines and Bolivia - named as the first USDPT markets only in WU's 4 May 2026 Fireblocks release, absent from the USDPT product page (scored as not live per the corridor rule), Conventional non-blockchain network: 'more than 200 countries and territories' (marketing count, per the 4 August 2026 release)
- Markets served
- global
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
No confirmed legal entity is on file for this record. Nothing is inferred from the brand name.
If something goes wrong with Western Union (USDPT on Solana): where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
9 methodology entries
- 28 October 2026Current verified snapshot · methodology 2026.10.18Score 62, #5 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 16 September 2026
2026.09.15Dimension scores carry tenths, and eleven more categories are re-read from primary sources · platform-wide- changed Dimension scores resolve to tenths of a point (O-04b), and weightedTotal is rounded to six decimal places before the order is read. 518 published scores move across 107 categories that were not re-read; none of them moves by more than 4 points, and most move by 1.
- fixed 66 published scores change in the eleven re-read categories, against a verbatim source each. The largest moves are Reflexer RAI (−16), Beefy and Unrekt (−11), Aztec (−10) and Golem (+9) — all of them rows whose sources had moved since their last read.
- changed Published order moves in 38 of 119 categories and three #1s change: smart_contract_audits (Zellic → Certora) and travel_rule_compliance (Sumsub Travel Rule → CodeVASP) on the finer resolution, kyc_compliance (Veriff → Sumsub) on the re-read.
- added availabilitySource (O-04g): for a reader who states a country, a row whose availability in that country rests on a region tag its record gives no source for sorts below every sourced row. It is inert in every order published here, which states no country.
Methodology 2026.10.18, the same published run every visitor sees · receipt remittances:western_union_usdpt:2026.10.18:1308ddf65bf7
Are you Western Union (USDPT on Solana)? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.