Amount
20,000 CNY to CNY
- Period high
- 0.405006
- 2026-01-29
- Period low
- 0.361245
- 2026-10-15
- Average
- 0.389884
- Daily volatility
- 0.44%
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
- 7,210.38 CNY
- Lost vs mid-market
- −18.33
- Total cost
- 0.25%
Wise
- Recipient gets
- 7,184.93 CNY
- Lost vs mid-market
- −43.78
- Total cost
- 0.61%
PayPal
- Recipient gets
- 6,871.61 CNY
- Lost vs mid-market
- −357.1
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 6,865.2 CNY
- Lost vs mid-market
- −363.51
- Total cost
- 5.03%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 7,210.38 CNY | −18.33 | 0.25% |
| Wise | 7,184.93 CNY | −43.78 | 0.61% |
| PayPal | 6,871.61 CNY | −357.1 | 4.94% |
| Bank wire (SWIFT) | 6,865.2 CNY | −363.51 | 5.03% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 345 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