Amount
20,000 CNY to CNY
- Period high
- 0.225942
- 2025-12-24
- Period low
- 0.198970
- 2026-10-08
- Average
- 0.211655
- Daily volatility
- 0.41%
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
- 3,968.54 CNY
- Lost vs mid-market
- −13.46
- Total cost
- 0.34%
Wise
- Recipient gets
- 3,952.83 CNY
- Lost vs mid-market
- −29.17
- Total cost
- 0.73%
PayPal
- Recipient gets
- 3,785.29 CNY
- Lost vs mid-market
- −196.71
- Total cost
- 4.94%
Bank wire (SWIFT)
- Recipient gets
- 3,699.66 CNY
- Lost vs mid-market
- −282.34
- Total cost
- 7.09%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 3,968.54 CNY | −13.46 | 0.34% |
| Wise | 3,952.83 CNY | −29.17 | 0.73% |
| PayPal | 3,785.29 CNY | −196.71 | 4.94% |
| Bank wire (SWIFT) | 3,699.66 CNY | −282.34 | 7.09% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 269 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