# Coins and networks

> Which coins are available in PS Wallet, how the TRC20, BEP20, ERC20, and TON networks differ, and what XAUT and GRAM are.

Each coin in PS Wallet has its own account. Accounts are created automatically, so you don't need to open them manually. All accounts are shown on the home screen in the "Assets" block.

## Available coins

- **USDT** — a stablecoin pegged to the US dollar: 1 USDT ≈ 1 $. Available on four networks: TRC20, BEP20, ERC20, and TON. These are four separate accounts.
- **TRX** — the coin of the TRON network.
- **BNB** — the coin of the BNB Smart Chain network (BEP20).
- **ETH** — the coin of the Ethereum network.
- **XAUT** (Tether Gold) — a token pegged to gold: 1 XAUT equals one troy ounce of gold. It runs on the Ethereum network. The XAUT rate changes with the price of gold.
- **GRAM** — the coin of the TON network (formerly called Toncoin).
- **Rubles** — an account for deposits via SBP. The ruble account has its own limits, see [Depositing rubles](https://help.pswallet.org/en/accounts/rub-deposit).

The rates of TRX, BNB, ETH, XAUT, and GRAM are market rates, so their value in dollars changes.

## What is a network

A network is the blockchain a transfer goes through. The same USDT exists on several networks, but transfers between them are not compatible: USDT sent on the TRC20 network can only be received at a TRC20 address.

| Network | Blockchain | Coins in PS Wallet |
|---|---|---|
| TRC20 | TRON | USDT, TRX |
| BEP20 | BNB Smart Chain | USDT, BNB |
| ERC20 | Ethereum | USDT, ETH, XAUT |
| TON | TON | USDT, GRAM |

Networks differ in withdrawal fees and speed. For example, withdrawing on the ERC20 network is usually more expensive than on TRC20 or BEP20. For current fees, see [Fees and limits](https://help.pswallet.org/en/accounts/fees-and-limits).

> [!WARNING]
> Always check that the sender's network matches the recipient's network before making a transfer. Coins sent on the wrong network will not be credited.

## One address per network

PS Wallet gives you one deposit address per network. You can send all coins of that network that are available in the wallet to it, and each will be credited to its own account:

- to a USDT TRC20 address you can also send TRX;
- to a USDT BEP20 address, BNB;
- to a USDT ERC20 address, ETH and XAUT;
- to a USDT TON address, GRAM.

The wallet does not accept other tokens (for example, USDC). They will not be credited, even if sent to the correct address.

## How to move USDT from one network to another

Exchange USDT between accounts: "Transfers" → "Between accounts". For example, USDT TRC20 → USDT BEP20. This is a regular exchange with a fee, see [How to exchange](https://help.pswallet.org/en/exchange/how-to-exchange).

## Minimum deposit amount

Each coin has a minimum amount that can be credited to the account. If you send less, the deposit will not be credited.

**Crypto deposits**

| Coin | Network | Min. deposit |
| --- | --- | --- |
| USDT · TRON (TRC20) | TRON (TRC20) | 0.1 USDT |
| USDT · BNB Smart Chain (BEP20) | BNB Smart Chain (BEP20) | 0.1 USDT |
| USDT · Ethereum (ERC20) | Ethereum (ERC20) | 1 USDT |
| XAUT · Ethereum (ERC20) | Ethereum (ERC20) | 0.0005 XAUT |
| ETH | Ethereum (ERC20) | 0.0001 ETH |
| USDT · TON | TON | 0.1 USDT |
| GRAM | TON | 0.1 GRAM |
| TRX | TRON (TRC20) | 1 TRX |
| BNB | BNB Smart Chain (BEP20) | 0.0001 BNB |

_Deposits below the minimum are not credited._

To learn how to deposit, see [Depositing crypto](https://help.pswallet.org/en/accounts/crypto-deposit).

:::details Which network should I choose for USDT?
The one supported by the sender or the recipient. If you have a choice, compare withdrawal fees in the [fees table](https://help.pswallet.org/en/accounts/fees-and-limits). The main thing is that the network is the same on both sides.
:::

:::details Why does the dollar value of my XAUT balance change?
XAUT is pegged to the price of gold, not to the dollar. The amount of XAUT in your account doesn't change; its value in dollars does.
:::

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Source: https://help.pswallet.org/en/accounts/coins-and-networks