Amount
20,000 USD to USD
- Period high
- 1.3817
- 2026-01-29
- Period low
- 1.3044
- 2025-11-05
- Average
- 1.3402
- Daily volatility
- 0.38%
Sending 20,000 USD: 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
- 26,629.49 USD
- Lost vs mid-market
- −41.13
- Total cost
- 0.15%
Wise
- Recipient gets
- 26,548.91 USD
- Lost vs mid-market
- −121.71
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 25,976.42 USD
- Lost vs mid-market
- −694.19
- Total cost
- 2.60%
PayPal
- Recipient gets
- 25,353.09 USD
- Lost vs mid-market
- −1,317.53
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 26,629.49 USD | −41.13 | 0.15% |
| Wise | 26,548.91 USD | −121.71 | 0.46% |
| Bank wire (SWIFT) | 25,976.42 USD | −694.19 | 2.60% |
| PayPal | 25,353.09 USD | −1,317.53 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 1,276 USD 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