Moflare helps you move USDT and USDC between networks, and reminds you to save. Here is exactly what happens, what it costs, and what can go wrong.
Your money stays in your wallet
We never hold your money and we can't move it. Every move is signed by you, in your own wallet app, after you've seen the full cost. We will never ask for your seed phrase or private key — anyone who does is trying to steal from you.
How a move works
1. You choose where your money is, where it should go and how much.
2. We ask LI.FI, a route finder, for the cheapest safe route. It uses bridges run by other companies to carry your coins between networks.
3. We check the route before showing it: right coins, right amount, right address, and only LI.FI's official contracts.
4. Your wallet asks you to confirm — usually twice: once to allow the transfer, once to send it.
5. We track it until it arrives and give you a receipt.
What you pay
Every quote shows the total cost before you sign:
• Network fee — paid to the network itself, in its own coin (TRX, BNB, ETH or SOL). You need a little of that coin in your wallet.
• Bridging fee — everything else, taken from the amount you send: the bridge that carries your coins, LI.FI's service fee, and our service fee.
Our service fee:
• A normal move: 0.5% of the amount.
• A move from a wallet with no gas, where your wallet pays the network fee from your USDT or USDC, and buying gas here: $0.25 + 2.75% of the amount up to $100 (for example $0.55 on $10, $3.00 on $100). Above $100 it gets cheaper: 2% of the part from $100 to $500, 1.5% from $500 to $1,000 and 1% above $1,000 ($18.50 on $1,000).
• Buying TRX for Tron: a flat $0.50.
The app always shows our fee before you choose these options.
Moving out of Tron can be expensive, because Tron charges for "energy". The app shows this clearly, and stops moves where fees would be more than half the amount.
What can go wrong
• Wrong address: we check that an address fits its network, but we can't know whose it is. Check the first and last 6 characters, and send a $2 test to a new address first.
• Exchanges: some exchanges don't credit deposits that arrive through a bridge. Ask your exchange, or send a small test first.
• Bridges: bridges are run by other companies. They can be slow, and in rare cases they fail or are attacked. LI.FI chooses established bridges, but no one can promise a bridge is risk-free.
• Prices: the amount you receive can change slightly before you sign. If it changes while you're signing, we ask you first.
• Network fees can rise when a network is busy.
If a transfer is slow or fails
Money in transit is not lost. Most delays clear on their own. If a bridge can't finish, it usually refunds you on the network you sent from. The app shows LI.FI's status in plain words, with a link to LI.FI Scan (a public tracker) and to LI.FI's support team, who can trace any transfer from its link.
Safety checks we run
Before you sign, we check: the address fits the network; you have enough coins and enough for network fees; the fees aren't unreasonable; the address isn't a token account or contract you might not mean; whether you've sent there before; and that neither address is on a sanctions list. Just before your wallet opens, we check the transaction one last time and refuse anything that isn't a LI.FI transfer of the right coin.
Saving plans
A saving plan is a reminder, not an automatic payment. On your saving day you get a phone notification or a Telegram message; you open the app, check the cost and sign yourself. Nothing ever moves on its own. You can pause or delete a plan at any time with /pause or /delete.
Savings: how they work and the risks
• Where your money goes: your USDC or USDT is lent on Aave, the largest and longest-running lending service (since 2020, with billions of dollars in it). You get Aave's receipt in your own wallet, which grows every second as borrowers pay interest. Only you can withdraw it. We never hold it.
• The rate changes all the time, with how much people borrow. We show today's rate; it's not a promise.
• Fees: 0.5% when you add money and 0.5% when you withdraw, plus small network and bridge fees. Saving for only a few weeks can cost more than it earns. Savings work best over months.
• Withdraw any time. Very rarely, when almost everything in a pool is lent out, withdrawals can wait a short while until borrowers repay.
• What can go wrong: Aave could be hacked; USDC or USDT could lose its $1 value; the network could have problems. These are rare, but they can lose money. Aave's code has been checked many times by security firms, but no one can promise it's risk-free. Only save what you're comfortable with.
• Your goals and how much you put in are remembered on this phone only. Your savings themselves are always in your wallet, on any phone.
Avoiding scams
We will never message you first asking for money, never ask for your seed phrase or private key, and never ask you to install anything. Only trust links from this website and from our official Telegram bot.