2025-10-202026-10-19
Period high
117.07
2026-04-27
Period low
107.35
2025-10-20
Average
113.60
Daily volatility
0.47%

Sending 20,000 CAD: 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
    2,245,215.15 JPY
    Lost vs mid-market
    −3,550.51
    Total cost
    0.16%
  • Wise

    Recipient gets
    2,238,379.78 JPY
    Lost vs mid-market
    −10,385.89
    Total cost
    0.46%
  • Bank wire (SWIFT)

    Recipient gets
    2,188,216.79 JPY
    Lost vs mid-market
    −60,548.87
    Total cost
    2.69%
  • PayPal

    Recipient gets
    2,137,676.64 JPY
    Lost vs mid-market
    −111,089.02
    Total cost
    4.94%

Fees surveyed on 2026-07-27

Choosing the wrong route costs you 107,539 JPY 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