Mercuryo and Tangem: zero-fee USDC and XLM, straight to your wallet

Stablecoins earn their keep by moving. Paying someone on the other side of a border, settling something without waiting on banking hours, sitting ready in a wallet for whatever comes up next week.

USDC on Stellar is well suited to that. Stellar was built for payments, so once the asset is in your wallet it moves in seconds for a fraction of a cent. Settling on the blockchain has never been the expensive part - the cost sits in the acquisition layer, where a card payment turns into a transaction on Stellar, and that is what this campaign removes.

For four weeks, neither Mercuryo nor Tangem takes anything on XLM or USDC bought on Stellar. What's left is the network fee the blockchain charges to record your transaction, and neither company sees a share of it. Put in €150, get €150 worth of USDC.

Cost is only half the question. The other half is who holds the asset once the purchase clears.

The keys to a Tangem wallet exist in one place: the chip inside the card, where they were generated, and where they stay. Nothing is written down, backed up to a service, or recoverable by anyone who is not holding the card.

Buying through Mercuryo puts the USDC directly onto that wallet. There is no intermediate balance you need to remember to move, and no gap between owning the asset and controlling it.

Stellar is a payments-focused blockchain built to move money quickly and at low cost, including across borders. Transactions generally confirm within seconds, and network fees typically amount to a fraction of a cent, which is what makes USDC on Stellar practical for actual payments and remittances rather than just holding.

Stellar accounts need an XLM balance to operate. That is why this campaign starts with an XLM purchase: it prepares your account, and it is zero-fee as well. One transaction, then the larger USDC purchase runs at zero platform fees on top of it.

1. Unlock the offer: buy €10–50 of XLM
2. Make the purchase: buy €150–700 of USDC on Stellar
3. No Mercuryo or Tangem fees are deducted on the way in
4. XLM and USDC land in your Tangem wallet in seconds

Pay with Apple Pay or Google Pay. The first purchase is what unlocks zero fees on the second, so both need to happen in that order.

The offer covers XLM and USDC on Stellar only. It applies to on-ramp transactions, so you can buy these assets but not sell them for cash.

It works in two purchases: a first transaction of €10–50 in XLM, then a second of €150–700 in USDC. Limits are set in EUR and converted to your payment currency at the time of purchase.

The offer is available in all countries Mercuryo supports, excluding the United States, the United Kingdom and the European Economic Area. It runs for four weeks from September 15th, or until the promotional pool is used up, whichever comes first.

1. Which assets and network does the offer apply to? The offer applies to XLM and USDC on the Stellar network. Other assets and networks are not included.
2. How do I pay? You can pay by card through Apple Pay or Google Pay. This is an on-ramp offer, so it can be used to buy USDC and XLM but not to sell them for cash.
3. What are the minimum and maximum amounts? The offer works in two purchases: a first transaction of €10–50 in XLM to unlock the offer, then a second transaction of €150–700 in USDC.
4. Are there any fees at all? Mercuryo and Tangem waive their usual platform fees on both purchases, so neither company takes a cut from eligible purchases. The Stellar network fee still applies.
5. Where is the offer available? The offer is available in all countries Mercuryo supports, excluding the United States, the United Kingdom and the European Economic Area. Supported payment currencies include USD, EUR, and local currencies in eligible countries.