Amount
20 CNY to JPY
- Period high
- 24.2071
- 2026-07-28
- Period low
- 21.1638
- 2025-10-20
- Average
- 22.9882
- Daily volatility
- 0.47%
Sending 20 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.
PayPal
- Recipient gets
- 449.32 JPY
- Lost vs mid-market
- −23.35
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 294.41 JPY
- Lost vs mid-market
- −178.26
- Total cost
- 37.71%
Wise
- Recipient gets
- 203.82 JPY
- Lost vs mid-market
- −268.86
- Total cost
- 56.88%
Bank wire (SWIFT)
- Recipient gets
- 0 JPY
- Lost vs mid-market
- −472.67
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 449.32 JPY | −23.35 | 4.94% |
| USDT on-chain | 294.41 JPY | −178.26 | 37.71% |
| Wise | 203.82 JPY | −268.86 | 56.88% |
| Bank wire (SWIFT) | 0 JPY | −472.67 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 449 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.
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