Amount
100,000 CNY to CNY
- Period high
- 0.169775
- 2025-10-20
- Period low
- 0.134821
- 2026-10-19
- Average
- 0.152247
- Daily volatility
- 0.15%
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
- 13,454.37 CNY
- Lost vs mid-market
- −27.71
- Total cost
- 0.21%
Wise
- Recipient gets
- 13,410.17 CNY
- Lost vs mid-market
- −71.92
- Total cost
- 0.53%
Bank wire (SWIFT)
- Recipient gets
- 12,962.24 CNY
- Lost vs mid-market
- −519.84
- Total cost
- 3.86%
PayPal
- Recipient gets
- 12,816.07 CNY
- Lost vs mid-market
- −666.02
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 13,454.37 CNY | −27.71 | 0.21% |
| Wise | 13,410.17 CNY | −71.92 | 0.53% |
| Bank wire (SWIFT) | 12,962.24 CNY | −519.84 | 3.86% |
| PayPal | 12,816.07 CNY | −666.02 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 638 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