Horizon
Horizon

Crypto Logic

Best practices Secure flows Chain-aware

How on-chain transfers work: networks, fees, confirmations, memos/tags, UTXO vs. account chains, approvals, slippage, and safety.

Start crypto transfer See a demo
Network Selection
  • EVM (ETH/Polygon/BSC): account-based; gas in native coin; ERC-20 approvals.
  • Bitcoin / UTXO: inputs/outputs; fee per vbyte; change outputs & dust rules.
  • Alt rails: TRON (TRC-20), Solana (SPL), etc. Always match token ↔ network.
ETH / ERC-20BTC / UTXOTRON / TRC-20SOL / SPL
Fees & Confirmations
  • Priority fees: higher fee → faster inclusion during congestion.
  • Confirmations: credit after N blocks based on risk policy.
  • Finality: differs by chain; BTC probabilistic, SOL/other fast finality.
BTC 1–3 confETH 2–12 confSOL seconds
Approvals & Slippage
  • Token approval: one-time ERC-20 allowance for router to spend your token.
  • Slippage: sets min received; protects against price impact/MEV.
  • Nonce & replacements: speed up/replace with same nonce + higher fee.
Approval → Swap1–2% slippageReplace-by-fee
Send
  • Paste address or scan QR; verify checksum & correct network.
  • Pick fee tier (eco / normal / priority).
  • Broadcast transaction and wait for confirmations.
Receive
  • Share the correct address for the chosen network.
  • Some assets (XRP, XLM) require a destination tag/memo.
  • Never share private keys or seed phrases—address only.
Swap
  • If ERC-20, approve once; then sign the swap.
  • Set slippage to define minimum received.
  • Gas is paid in the chain’s native coin (e.g., ETH).
Min Received (swap slippage)

Illustrative only. Actual execution depends on pool liquidity, price impact, MEV and fees.

Minimum you’ll receive
98.752500 TOKEN B
Preview swapStart swap
Fee Tiers & Estimated Inclusion

Choose the fee that matches network congestion and urgency.

Estimated inclusion (illustrative):
3–15 min
Check live fee hintsSend with this tier
Try a test transfer Explore supported networks
Safety notes
  • Always match asset ↔ network (ERC-20 ≠ TRC-20). Wrong network can burn funds.
  • If an asset needs a tag/memo, include it. Missing tags may lose funds.
  • On-chain transfers are final after confirmation—verify addresses carefully.
  • Keep a small native balance (e.g., ETH) for gas when moving ERC-20 tokens.
  • Use test amounts for new addresses or first-time routes.
Send a small testStart crypto transfer
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Horizon

Modern money, beautifully simple.

Download on App StoreGet it on Google Play
FDIC-insured partners • 256-bit TLS
Product
  • Accounts
  • Cards & Controls
  • Savings & Goals
  • Invest
Company
  • About
  • Careers
  • Press
  • Security
Legal
  • Privacy
  • Terms
  • Licenses
  • Disclosures
Support
  • Help Center
  • Status
  • Contact
  • Developers
Status: All systems normal
© 2025 Horizon Bank Inc. All rights reserved.