Amount
100,000 CNY to CNY
- Period high
- 5.5054
- 2026-01-28
- Period low
- 5.2155
- 2026-10-15
- Average
- 5.3551
- Daily volatility
- 0.17%
Sending 100,000 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
- 521,889.95 CNY
- Lost vs mid-market
- −791.53
- Total cost
- 0.15%
Wise
- Recipient gets
- 520,318.13 CNY
- Lost vs mid-market
- −2,363.35
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 509,431.05 CNY
- Lost vs mid-market
- −13,250.43
- Total cost
- 2.54%
PayPal
- Recipient gets
- 496,861.02 CNY
- Lost vs mid-market
- −25,820.47
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 521,889.95 CNY | −791.53 | 0.15% |
| Wise | 520,318.13 CNY | −2,363.35 | 0.45% |
| Bank wire (SWIFT) | 509,431.05 CNY | −13,250.43 | 2.54% |
| PayPal | 496,861.02 CNY | −25,820.47 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 25,029 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