Amount
100,000 CNY to CNY
- Period high
- 5.1386
- 2026-01-30
- Period low
- 4.6928
- 2026-10-12
- Average
- 4.9452
- Daily volatility
- 0.26%
Sending 100,000 CNY: what each method costs
The mid-market rate is the honest one. Everything below is what you actually get after fees and exchange-rate markup.
USDT on-chain
- Recipient gets
- 471,452.42 CNY
- Lost vs mid-market
- −715.76
- Total cost
- 0.15%
Wise
- Recipient gets
- 470,032.14 CNY
- Lost vs mid-market
- −2,136.04
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 460,180.58 CNY
- Lost vs mid-market
- −11,987.6
- Total cost
- 2.54%
PayPal
- Recipient gets
- 448,843.07 CNY
- Lost vs mid-market
- −23,325.11
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 471,452.42 CNY | −715.76 | 0.15% |
| Wise | 470,032.14 CNY | −2,136.04 | 0.45% |
| Bank wire (SWIFT) | 460,180.58 CNY | −11,987.6 | 2.54% |
| PayPal | 448,843.07 CNY | −23,325.11 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 22,609 CNY on this transfer.
WorkTGT settles team payouts in USDT through a Safe multisig. Every payment is approved internally first, signed by your own wallets, and provable on-chain. We never hold your funds. Using it is free; each executed payout costs 0.1% (min 0.5, max 5 USDT), network gas included.
Run team payouts with approvals