Amount
20 USD to JPY
- Period high
- 163.91
- 2026-07-28
- Period low
- 150.76
- 2025-10-20
- Average
- 157.79
- Daily volatility
- 0.49%
Sending 20 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.
PayPal
- Recipient gets
- 3,004.28 JPY
- Lost vs mid-market
- −156.12
- Total cost
- 4.94%
USDT on-chain
- Recipient gets
- 2,978.11 JPY
- Lost vs mid-market
- −182.29
- Total cost
- 5.77%
Wise
- Recipient gets
- 2,879.45 JPY
- Lost vs mid-market
- −280.95
- Total cost
- 8.89%
Bank wire (SWIFT)
- Recipient gets
- 0 JPY
- Lost vs mid-market
- −3,160.4
- Total cost
- 100.00%
| Method | Recipient gets | Lost vs mid-market | Total cost |
|---|---|---|---|
| PayPal | 3,004.28 JPY | −156.12 | 4.94% |
| USDT on-chain | 2,978.11 JPY | −182.29 | 5.77% |
| Wise | 2,879.45 JPY | −280.95 | 8.89% |
| Bank wire (SWIFT) | 0 JPY | −3,160.4 | 100.00% |
Fees surveyed on 2026-07-27
Choosing the wrong route costs you 3,004 JPY 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