spysee

After you receive USDC on HTX or Bybit - just convert it to USDT (it's basically free there) and then use USDT P2P to transfer to Russian card. Don't convert anything on Coinbase - fees are insane. Use Coinbase only to buy USDC from US checking account and send it. You won't be able to send USDT through Solana on Coinbase, only USDC.

Yes, why not, you can buy anything - DAI, USDT, BTC, SOL, etc but if you don't want to pay ANY fees then the only coin you can buy with absolutely ZERO fees in US is USDC stablecoin on Coinbase. If you want to buy DAI - Coinbase will charge you 3% commission. Not exactly true. Most largest international crypto exchanges still have RUB and both biggest Russian banks that are sanctioned (Sber and TInkoff) as official methods for P2P deposits and withdrawals. And I don't think they ever completely close the door for RUB to be withdrawn. Especially Bybit (UAE) and Huobi (China). You can actually still withdraw RUB on Binance too, no problem (Tinkoff is now Reiffeissen there and Sber is Rosbank :). Pretty much like Dobryi Cola or Lubimaya Cola in Russia. Officially Coca Cola and Pepsi left but in fact they just renamed their products and keep making money like before.

Buy USDC on US Coinbase exchange with your bank account (0% commission). Your significant other in Russia needs to create account on one of the international crypto exchanges (Binance, ByBit, Huobi, etc - takes 5 mins) Send USDC to their Binance, ByBit or Huobi account (0% commission if sending through Solana network on Coinbase) They receive it in 5 mins and then they withdraw it to their Russian bank card through P2P with the exchange rate better than the official rate. All together - absolutely free transfer and the best USD-RUB rate.