Amount
100,000 USD to CNY
- Period high
- 7.1271
- 2025-11-05
- Period low
- 6.6862
- 2026-10-16
- Average
- 6.8679
- Daily volatility
- 0.13%
Sending 100,000 USD: 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
- 667,611.26 CNY
- Lost vs mid-market
- −1,010.45
- Total cost
- 0.15%
Wise
- Recipient gets
- 665,601.62 CNY
- Lost vs mid-market
- −3,020.08
- Total cost
- 0.45%
Bank wire (SWIFT)
- Recipient gets
- 651,722.76 CNY
- Lost vs mid-market
- −16,898.94
- Total cost
- 2.53%
PayPal
- Recipient gets
- 635,591.79 CNY
- Lost vs mid-market
- −33,029.91
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 667,611.26 CNY | −1,010.45 | 0.15% |
| Wise | 665,601.62 CNY | −3,020.08 | 0.45% |
| Bank wire (SWIFT) | 651,722.76 CNY | −16,898.94 | 2.53% |
| PayPal | 635,591.79 CNY | −33,029.91 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 32,019 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