ⓘ Reference rate only — final rate confirmed on WhatsApp before any transfer.
ⓘ Reference rate only — final rate confirmed on WhatsApp before any transfer.
ⓘ Reference rate only — final rate confirmed on WhatsApp before any transfer.
ⓘ Reference rate only — final rate confirmed on WhatsApp before any transfer.
| Time | Rate (CNY per USDT) | Change | Status |
|---|---|---|---|
| Loading rate history… | |||
Why is the desk rate different from the exchange spot price?
OTC desks settle peer-to-peer, not through exchanges. The desk rate reflects actual liquidity, settlement cost, and payout route — not a live order book. Rates are fixed per 2-hour window to give you a confirmed quote before transfer.
Why does Bank TT have a lower rate than Alipay or WeChat?
Bank transfers (TT) involve additional processing, documentation, and compliance overhead compared to instant wallet payouts. Alipay and WeChat settle in minutes with fewer steps — so they carry the best desk rate. TT is better when a formal bank record is required.
Get a live quote for your settlement
Send amount, network and payout route. The desk responds with a confirmed rate in minutes.