Crypto & Payment in Escrow

Using Crypto for Escrow Payments: BTC, ETH, USDT Explained

A practical comparison of BTC, ETH, and USDT (TRC20/ERC20/BEP20) for funding escrow deals — fees, settlement time, and which to use when.

June 15, 2026·6 min read

All three are accepted at Escrows Click. Which you choose affects fees, settlement time, and how predictable the amount the seller actually receives will be.

USDT (Tether) — recommended for most deals

  • Dollar-pegged: $1,000 sent = $1,000 received. No volatility between funding and release.
  • TRC20 (Tron) network: ~$1 fee, 1–3 minute settlement. The cheapest and fastest option.
  • ERC20 (Ethereum): higher fees ($3–$30), 1–5 minute settlement. Use only if your wallet doesn't support TRC20.
  • BEP20 (BNB Chain): ~$0.30 fee, fast settlement. Good if you already hold funds on Binance.

BTC — for larger deals or BTC-native traders

  • Highest network security, widely held.
  • Fees vary ($1–$15) and confirmation takes 10–30 minutes.
  • Price can move 2–5% between funding and release — agree the BTC amount or the USD amount up front and stick to it.

ETH

  • Accepted for ETH-native deals (NFTs, on-chain assets).
  • Same volatility caveat as BTC.
  • Gas fees can spike — check current network conditions before sending.

Escrows Click holds funds in a neutral wallet, verifies delivery, and only releases payment when both parties are satisfied. Start a deal in two minutes at escrows.click.

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