Amount
20,000 CNY to CNY
- Period high
- 0.047251
- 2025-10-20
- Period low
- 0.041310
- 2026-07-28
- Average
- 0.043546
- Daily volatility
- 0.47%
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
- 835.6 CNY
- Lost vs mid-market
- −8.75
- Total cost
- 1.04%
Wise
- Recipient gets
- 829.3 CNY
- Lost vs mid-market
- −15.05
- Total cost
- 1.78%
PayPal
- Recipient gets
- 802.64 CNY
- Lost vs mid-market
- −41.71
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 640.45 CNY
- Lost vs mid-market
- −203.9
- Total cost
- 24.15%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 835.6 CNY | −8.75 | 1.04% |
| Wise | 829.3 CNY | −15.05 | 1.78% |
| PayPal | 802.64 CNY | −41.71 | 4.94% |
| Bank wire (SWIFT) | 640.45 CNY | −203.9 | 24.15% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 195 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