Amount
500,000 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 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
- 21,116.98 CNY
- Lost vs mid-market
- −39.25
- Total cost
- 0.19%
Wise
- Recipient gets
- 21,049.74 CNY
- Lost vs mid-market
- −106.49
- Total cost
- 0.50%
Bank wire (SWIFT)
- Recipient gets
- 20,443.92 CNY
- Lost vs mid-market
- −712.3
- Total cost
- 3.37%
PayPal
- Recipient gets
- 20,111.11 CNY
- Lost vs mid-market
- −1,045.12
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 21,116.98 CNY | −39.25 | 0.19% |
| Wise | 21,049.74 CNY | −106.49 | 0.50% |
| Bank wire (SWIFT) | 20,443.92 CNY | −712.3 | 3.37% |
| PayPal | 20,111.11 CNY | −1,045.12 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 1,006 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