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 500,000 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
    11,825,478.72 JPY
    Lost vs mid-market
    −17,942.5
    Total cost
    0.15%
  • Wise

    Recipient gets
    11,789,859.37 JPY
    Lost vs mid-market
    −53,561.84
    Total cost
    0.45%
  • Bank wire (SWIFT)

    Recipient gets
    11,543,005.95 JPY
    Lost vs mid-market
    −300,415.26
    Total cost
    2.54%
  • PayPal

    Recipient gets
    11,258,356.2 JPY
    Lost vs mid-market
    −585,065.01
    Total cost
    4.94%

Fees surveyed on 2026-07-27

Choosing the wrong route costs you 567,123 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