If you're a content creator earning globally, managing payouts efficiently is crucial — especially when converting stablecoins like USDT or USDC into Chinese yuan (CNY). Platforms like Unifans offer flexible withdrawal options, including cryptocurrency, PayPal, and Wise, but the real challenge lies in understanding the total cost of converting and withdrawing funds.
This guide breaks down the complete fee structure when withdrawing stablecoins from Unifans and converting them to CNY via crypto exchanges and Wise. We’ll also explore how this method compares to traditional payment processors like PayPal and why it could save you hundreds in fees annually.
Why Use Cryptocurrency for Payouts?
Unifans stands out as one of the few international subscription platforms offering USDT and USDC as direct payout options. This is particularly beneficial for creators who:
- Want to maintain financial privacy
- Don’t have access to PayPal
- Live outside the U.S.
- Need to convert USD to CNY with minimal fees and better exchange rates
For many creators, using stablecoins bypasses high currency conversion fees (often 2% or more) and poor bank exchange rates. Instead, crypto offers faster transfers and lower overall costs — if done correctly.
👉 Discover how crypto payouts can maximize your earnings with low-fee conversions.
The 3-Step Withdrawal Path: Exchange → Wise → CNY
To get your earnings from Unifans into your local Chinese bank account or digital wallet (like Alipay or WeChat), follow this optimized path:
- Withdraw USDT from Unifans to a crypto exchange (e.g., OKX or Coinbase)
- Sell USDT for fiat and transfer to Wise
- Withdraw CNY from Wise to Alipay, WeChat, or UnionPay
This route avoids high international wire fees and leverages competitive exchange rates.
Supported Exchanges for CNY Conversion
As of 2025, only a few major exchanges allow seamless conversion from USDT to CNY and withdrawal to Wise:
- OKX
- Coinbase
Note: Binance was previously an option, but since December 2023, it has been blocked by Wise for direct transfers.
Fee Breakdown: What You’ll Pay at Each Step
Let’s analyze the total cost using a $1,000 USDT withdrawal as an example.
Step 1: Selling USDT on the Exchange
When selling USDT for USD on an exchange, four types of fees may apply:
- Taker fee (for market orders)
- Maker fee (for limit orders)
- Network (gas) fee
- Withdrawal fee
Since Unifans covers half of the transaction cost, your burden is reduced — especially on the receiving end.
Example: Selling $1,000 USDT on Coinbase
- Taker fee: 0.6% = $6
- Network fee: ~$1.50
- Exchange rate: 1 USDT ≈ 7.2 CNY
After fees:
- Remaining USD: $1,000 – $6 – $1.50 = $992.50
- Converted to CNY: $992.50 × 7.2 = ￥7,146
Then subtract:
- Wise deposit fee (ACH transfer via Coinbase is free)
- Final Wise-to-CNY fee
👉 Compare real-time exchange rates and fees across top platforms to optimize your payout strategy.
Step 2: Transferring to Wise
Wise supports direct deposits from OKX and Coinbase in USD. The transfer itself is often free (especially via ACH), but check your exchange’s policy.
Once funds arrive in your Wise USD balance, convert to CNY using Wise’s mid-market rate — one of the fairest available.
Step 3: Withdrawing to Alipay, WeChat, or UnionPay
Wise allows direct transfers to Chinese payment systems:
- Alipay
- WeChat Pay
- UnionPay
Fees are minimal:
- Small fixed fee (~￥12)
- ~1% conversion spread
Final net receipt: Approximately ￥7,050–7,100 after all deductions.
Understanding Taker vs. Maker Fees
In crypto trading, fees depend on whether you’re a taker or a maker:
What Is a Taker Fee?
A taker fee applies when your order immediately matches an existing order on the exchange’s order book. This removes liquidity from the market.
- Applies to market orders
- Also applies to stop-loss or take-profit orders that execute instantly
- Typically higher than maker fees
On Coinbase, the standard taker fee is 0.6%, among the highest in the industry.
What Is a Maker Fee?
A maker fee applies when your order doesn’t execute immediately and instead waits on the order book — adding liquidity.
- Applies to limit orders
- Usually cheaper than taker fees (as low as 0.4% on some platforms)
- Can help reduce costs if you're not in a rush
Tiered pricing affects both:
- On OKX, users with $0–$100K monthly volume pay standard rates
- Higher volumes reduce fees incrementally
Why Is This Method So Cost-Effective?
Unifans aims to minimize payment processor fees so creators keep more of their earnings. Here’s how crypto compares:
| Payment Method | Avg. Fee | Currency Conversion Fee |
|---|---|---|
| PayPal | 2.9% + $0.30 | ~2–4% above mid-market |
| Credit Card | 2.9–3.5% | High spread |
| Bank Wire | $15–$50 | Poor exchange rates |
| Crypto + Wise | ~0.6% + small network fee | Near mid-market rate |
Using crypto avoids PayPal’s steep $35 fee per withdrawal to Chinese banks and sidesteps Payoneer’s ban on crypto-related transactions.
Wise offers near-perfect exchange rates and supports direct Alipay/WeChat transfers — making it ideal for Chinese creators.
Frequently Asked Questions (FAQ)
Q: Can I withdraw directly from Unifans to Alipay or WeChat?
A: Not directly. You must first withdraw to a crypto exchange or PayPal, then route through Wise for Alipay/WeChat support.
Q: Is Binance still usable for withdrawing to CNY via Wise?
A: No. Since December 2023, Binance transfers are blocked by Wise. Use OKX or Coinbase instead.
Q: Do I need to pay taxes when converting USDT to CNY?
A: Tax rules vary by country. In most jurisdictions, cryptocurrency conversions are taxable events if capital gains occur. Consult a local tax professional.
Q: Are network (gas) fees fixed?
A: No. Gas fees fluctuate based on blockchain congestion. On Ethereum, expect $1–$5; on Tron or Solana, fees are often under $1.
Q: Can I use limit orders to reduce fees?
A: Yes! Placing a limit order instead of a market order can qualify you for lower maker fees instead of higher taker fees.
Q: Does Unifans charge any withdrawal fees?
A: Unifans covers part of the transaction cost — specifically half of certain processing fees — reducing your overall burden.
Final Thoughts: Maximize Your Creator Income
For global creators — especially those based in China — using USDT withdrawals via Unifans, followed by conversion on OKX or Coinbase and transfer through Wise, offers the most cost-efficient path to receiving CNY.
You avoid PayPal’s $35 withdrawal penalty, benefit from better exchange rates than banks, and maintain greater control over your funds.
👉 Start optimizing your payout flow today with low-cost crypto-to-fiat conversion tools.
By understanding the full fee structure — including taker fees, network costs, and Wise spreads — you can make informed decisions that protect your revenue and streamline your financial operations.
Whether you're new to crypto or looking to refine your payout strategy, this method represents one of the smartest financial moves for modern digital creators in 2025.