A stablecoin transfer is the sending of stablecoin tokens from one blockchain address to another. The main entry on stablecoins in money transfer explains how such transfers are used for remittances and cross-border payments. At the technical level, a transfer is a transaction calling the token's smart contract, which reduces the sender's balance and increases the recipient's; it is confirmed by the network and recorded permanently on the ledger.
Transfers usually take seconds to minutes, depending on the blockchain, and the sender pays a network fee, such as a gas fee, in the chain's native token rather than in the stablecoin itself. Once confirmed, a transfer cannot be reversed by the sender. The issuer, however, may be able to freeze tokens at an address under its terms, a power described in stablecoin freezing.
Transfers between a customer and a regulated exchange or payment firm are subject to anti-money laundering checks, including address screening and the exchange of sender and recipient details required by the FATF travel rule. Sending tokens to a wrong address, or on the wrong network, is a common cause of permanent loss, so wallets typically ask users to confirm both before sending.