Pay for Claude and GPT APIs with Crypto (USDT): 2026 Guide

Short answer

You can pay for Claude with USDT by topping up a TeamoRouter balance. That balance works for the Claude, GPT and Gemini APIs, and for Claude Code and Codex, with no credit card and no crypto debit card. Click "Pay with crypto" in the top-up dialog and you're taken to a checkout page. Choose a coin there (USDT, USDC or ETH), then a network, and send it to the address the page shows from your exchange app (Binance, OKX and others) or from any wallet. The checkout shows which coins and networks your amount can use. You don't need a browser extension, and it works on a phone. The minimum top-up is $5.

For small amounts, pick USDT on BEP20: it's available from $5, and Binance charges about 0.01 USDT to withdraw on BEP20, against about 1.5 USDT on TRC20.

What you need

1. A TeamoRouter account. Sign up and open the console.
2. USDT, USDC or ETH on an exchange or in a wallet, enough to cover the top-up amount plus the withdrawal fee.

That's all. The checkout page is an ordinary web page, so a phone with your exchange app is enough.

Supported coins and networks

The checkout accepts USDT, USDC and ETH. Which coins and networks it offers depends on the order amount. As of 2026-10-20, the checkout shows what's available for your amount:

So below $10, USDT goes on BEP20 only, and TRC20 appears from $30. If your USDT is on TRC20 and you want to top up less than $30, withdraw it from your exchange on BEP20 instead.

Which to pick:

• USDT on BEP20 for small amounts: it's available from $5, and Binance, Bitget, HTX and MEXC charge 0.01 USDT to withdraw on it.
• From OKX or Kraken, which don't offer USDT withdrawals on BEP20: top up $10 or more and pick USDT on ERC20, which costs less there than TRC20 (OKX charges 0.33 USDT on ERC20, against 1.5 on TRC20), or pick another coin the checkout lists that your exchange can send.

Send only the coin and network you picked; anything else sent to the checkout address doesn't count as payment. Withdrawal fees are set by each exchange and change over time. Compare them in USDT withdrawal fees by exchange and network, and check the fee on the withdrawal screen before you send.

Top-up steps

1. Sign in to TeamoRouter, open the top-up dialog in the console and choose an amount ($5 or more). The amount decides which coins and networks the checkout offers (see the table above).
2. Click "Pay with crypto" (on a narrow screen the button reads "Crypto"). You're taken to the checkout page. If you signed up with a phone number, you'll be asked for an email address first.
3. The checkout page opens by asking you to choose a coin: USDT, USDC or ETH.
4. Choose the network you'll send on. Only the networks available for your amount are listed. The page then shows how much to send and a deposit address. The invoice is valid for 60 minutes.
5. Within those 60 minutes, start a withdrawal in your exchange app (in a wallet, a send): choose the same coin on the same network, paste the address from the checkout page, and enter the amount so that what arrives is no less than the amount on the page.
6. Wait for the network to confirm the transfer. When you return to TeamoRouter from the checkout page, the console checks the payment and refreshes your balance. Your balance is credited once the payment is confirmed, even if you close the checkout page. If it hasn't shown up yet, refresh in a while and don't pay again.
7. Once the balance arrives, create an API key and start calling models.

What makes a crypto payment fail, and how to avoid it

Sending on a different network

The coin and network you withdraw on must be the ones you picked on the checkout page. For example, BEP20, ERC20 and Base all use addresses starting with 0x, so an exchange will let you send USDT on ERC20 to an address the checkout page gave you for BEP20, but that transfer doesn't count as payment for the invoice. Exchanges sometimes name networks differently: BEP20 may appear as BSC or BNB Smart Chain, TRC20 as Tron, ERC20 as Ethereum. If your exchange doesn't offer withdrawals of that coin on the network you picked, go back to the checkout page and pick one it does.

The withdrawal fee eats into the amount

Exchanges charge a withdrawal fee, and many take it out of the amount you type. Before confirming, look at the "amount received" line on the withdrawal screen: it must be at least the amount on the checkout page. If the fee comes out of your amount, add it on top.

An invoice up to 1% short still counts as paid. If more than that is missing, the invoice isn't marked paid; contact support with your TxID (see below) instead of sending a second transfer. If you send more than the invoice, your balance is credited with the order amount, and you can contact support about the extra.

The invoice expires before the USDT arrives

The invoice is valid for 60 minutes. Exchanges sometimes hold a withdrawal for manual review, which can take longer than that.

• Before you click "Pay with crypto": make sure the USDT is already in the exchange account you withdraw from, so you can send right after the invoice opens.
• Expired before you sent anything: expired invoices can be renewed, so go back to the checkout page and renew it, or start a new top-up from the TeamoRouter console. Either way, send to the address on the page that's currently valid, not to one you copied earlier.
• Expired after you already sent: don't send again. Go back to the checkout page and renew the invoice. If that doesn't resolve it, contact support with your TxID.

Finding your TxID

The TxID (also called the transaction hash or Txn Hash) identifies your transfer on chain, and support needs it to trace a payment.

• Exchange app: open your withdrawal history, tap this withdrawal, and copy the TxID from its details. It only appears once the exchange has actually sent the transfer; a withdrawal still under review doesn't have one yet.
• Wallet: open the transaction in the wallet's history; the hash is in the details.

When you contact support, include the TxID, the network, the amount, the time you sent it and the TeamoRouter account you topped up.

Already use the OKX Wallet extension?

OKX Wallet works like any other wallet on the checkout page: pick a coin and network there and send from the wallet. Sending from a wallet needs that network's coin for gas, for example BNB on BEP20.

If your USDT is already on X Layer (shown on-chain as USD₮0), you can skip the checkout page. With the OKX Wallet extension installed and unlocked in a desktop browser, the top-up dialog shows an extra link, "Have USDT on X Layer? Pay with OKX Wallet". Click it and you pay by signing in the wallet, with no gas, as described below.

What you need for X Layer

1. A desktop browser with the OKX Wallet extension. Install OKX Wallet from the Chrome Web Store (official site: web3.okx.com; it also works in Edge and Brave), create or import a wallet and unlock it. The payment is started from the browser extension, so without it you'll see a "no wallet found" error.
2. USDT on the X Layer network, at least as much as you plan to top up. A balance on an exchange doesn't count until you withdraw it to your wallet. USDT on X Layer shows up on-chain as USD₮0 (USDT0) and is 1:1 with USDT.

Move USDT to X Layer

If your USDT is on OKX:

1. Open OKX, go to Assets → Withdraw and pick USDT.
2. Choose X Layer as the network.
3. Paste your OKX Wallet address as the destination; click the address in the extension to copy it.
4. Send a small test amount first, then the rest.

If your USDT is on Binance or another exchange: as far as public information shows, OKX is the only exchange that withdraws USDT straight to X Layer. Send your USDT to your OKX account first over a network both sides support (for example TRC20), then withdraw to X Layer as above.

To skip the OKX account: withdraw from Binance on the Arbitrum network to your OKX Wallet address. The USDT Binance sends on Arbitrum (and on Optimism, Polygon, Celo and Plasma) is USDT0, with the same contract address, so once it arrives you can move it to X Layer with usdt0.to as described below. The transfer costs a little gas on Arbitrum (ETH).

No OKX account, or OKX isn't available where you live: USD₮0 on X Layer is Tether's USDT0, which can be moved across chains. The Transfer page on the official USDT0 site, usdt0.to, lists X Layer among its networks, along with Tron, Ethereum, Arbitrum and others. Connect your wallet, pick the chain your USDT is on as the source and X Layer as the destination, and use your OKX Wallet address as the recipient; the page shows whether the route works and what it costs. You pay gas on the source chain (for example TRX on Tron), but none when you pay on X Layer. Check that the domain is usdt0.to and try a small amount first.

Before sending, check that the network is X Layer and the address is your own OKX Wallet address.

X Layer payment steps

1. Choose an amount in the top-up dialog and click "Have USDT on X Layer? Pay with OKX Wallet" below the main button (it appears once the OKX Wallet extension is installed and unlocked in a desktop browser).
2. Approve the connection request in the wallet.
3. If the wallet isn't on X Layer, it asks you to switch networks; the first time, it asks you to add X Layer. Approve it.
4. Sign the request in the wallet and wait for the balance to arrive. You're signing an authorization, not sending a transaction yourself, so you don't need OKB for gas.

What the signature request contains: a USD₮0 transfer authorization (EIP-3009 TransferWithAuthorization) with only the payer (your wallet), the recipient, the amount, a validity window and a one-time nonce.

• The amount is in USD₮0's 6-decimal units, and some wallets show it as a whole number: 5000000 means 5 USDT, 50000000 means 50 USDT.
• The authorization covers only this amount. It expires after its validity window and can be used once; it gives no access to anything else in your wallet.
• After you sign, the recipient submits the transfer on-chain, which is why you don't pay gas.

X Layer errors

After you top up

One API key covers Claude, GPT, Gemini, DeepSeek and more, and you're charged only for tokens you use. No subscription. Claude runs on the native Anthropic protocol, so Claude Code works directly.

• Claude Code setup: Install and connect Claude Code
• Claude Desktop setup: Connect Claude Desktop
• Picking a model: Claude Opus 5.5 pricing and setup, Claude Fable 5.5 API

USDT top-up vs. a crypto card for the official subscription

FAQ

Can I pay for a Claude Pro subscription with USDT? Not directly: Anthropic doesn't accept crypto. The usual workaround is a crypto-funded virtual card, which normally needs KYC and can still be declined at checkout. If what you need is Claude in Claude Code, Claude Desktop or your own apps, you can skip the subscription and pay for API usage with USDT as described above.

Which coins are accepted? USDT, USDC and ETH. The networks you can use depend on the amount (see "Supported coins and networks" above), and the checkout shows what's available for yours.

Why isn't TRC20 (or ERC20) on the checkout page? As of 2026-10-20, ERC20 appears for orders of $10 or more and TRC20 for $30 or more. For a smaller top-up, send USDT on BEP20.

What's the minimum? $5.

Are there fees? The checkout page doesn't add a processing fee. You pay your exchange's withdrawal fee, or network gas if you send from a wallet.

Which network is cheapest? Usually BEP20, which is also available from $5: Binance charges about 0.01 USDT to withdraw USDT on BEP20, against about 1.5 USDT on TRC20. OKX doesn't offer USDT on BEP20; from OKX, ERC20 costs less than TRC20. See USDT withdrawal fees by exchange and network.

Can I pay on my phone? Yes. Open the checkout page on your phone and copy the address and amount into your exchange app.

I paid but my balance hasn't changed. Don't pay again; the network may still be confirming the transfer, so refresh the console in a while. If the invoice expired or the amount was short, follow "What makes a crypto payment fail" above, and contact support with your TxID if it's still unresolved.

No crypto? The top-up dialog also takes cards through Stripe. See How to pay for Claude when your card gets declined.

Next steps

• Claude subscription vs. API pay-per-use
• Create an API key