2025-10-202026-10-19
Period high
24.2071
2026-07-28
Period low
21.1638
2025-10-20
Average
22.9909
Daily volatility
0.47%

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
    2,364,953.85 JPY
    Lost vs mid-market
    −3,730.39
    Total cost
    0.16%
  • Wise

    Recipient gets
    2,357,758.72 JPY
    Lost vs mid-market
    −10,925.52
    Total cost
    0.46%
  • Bank wire (SWIFT)

    Recipient gets
    2,305,137.4 JPY
    Lost vs mid-market
    −63,546.84
    Total cost
    2.68%
  • PayPal

    Recipient gets
    2,251,671.24 JPY
    Lost vs mid-market
    −117,013
    Total cost
    4.94%

Fees surveyed on 2026-07-27

Choosing the wrong route costs you 113,283 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