2025-10-202026-10-16
Period high
1.1738
2026-10-16
Period low
1.0904
2025-10-22
Average
1.1392
Daily volatility
0.14%

Sending 10,000 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
    11,711.48 HKD
    Lost vs mid-market
    −26.43
    Total cost
    0.23%
  • Wise

    Recipient gets
    11,671.84 HKD
    Lost vs mid-market
    −66.07
    Total cost
    0.56%
  • Bank wire (SWIFT)

    Recipient gets
    11,229.19 HKD
    Lost vs mid-market
    −508.72
    Total cost
    4.33%
  • PayPal

    Recipient gets
    11,158.05 HKD
    Lost vs mid-market
    −579.85
    Total cost
    4.94%

Fees surveyed on 2026-07-27

Choosing the wrong route costs you 553 HKD 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