Amount
20,000 CNY to CNY
- Period high
- 7.1271
- 2025-11-05
- Period low
- 6.6807
- 2026-10-19
- Average
- 6.8672
- Daily volatility
- 0.13%
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
- 133,406.34 CNY
- Lost vs mid-market
- −207.91
- Total cost
- 0.16%
Wise
- Recipient gets
- 133,001.74 CNY
- Lost vs mid-market
- −612.51
- Total cost
- 0.46%
Bank wire (SWIFT)
- Recipient gets
- 130,091.11 CNY
- Lost vs mid-market
- −3,523.15
- Total cost
- 2.64%
PayPal
- Recipient gets
- 127,013.71 CNY
- Lost vs mid-market
- −6,600.54
- Total cost
- 4.94%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| USDT on-chain | 133,406.34 CNY | −207.91 | 0.16% |
| Wise | 133,001.74 CNY | −612.51 | 0.46% |
| Bank wire (SWIFT) | 130,091.11 CNY | −3,523.15 | 2.64% |
| PayPal | 127,013.71 CNY | −6,600.54 | 4.94% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 6,393 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