Amount
20,000 CNY to CNY
- Period high
- 0.917063
- 2025-10-22
- Period low
- 0.851941
- 2026-10-16
- Average
- 0.878256
- Daily volatility
- 0.14%
Sending 20,000 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
- 17,005.74 CNY
- Lost vs mid-market
- −33.07
- Total cost
- 0.19%
Wise
- Recipient gets
- 16,950.85 CNY
- Lost vs mid-market
- −87.96
- Total cost
- 0.52%
Bank wire (SWIFT)
- Recipient gets
- 16,429.45 CNY
- Lost vs mid-market
- −609.37
- Total cost
- 3.58%
PayPal
- Recipient gets
- 16,197.1 CNY
- Lost vs mid-market
- −841.72
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 17,005.74 CNY | −33.07 | 0.19% |
| Wise | 16,950.85 CNY | −87.96 | 0.52% |
| Bank wire (SWIFT) | 16,429.45 CNY | −609.37 | 3.58% |
| PayPal | 16,197.1 CNY | −841.72 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 809 CNY 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