Send money to China from a stablecoin balance
SEPA taught you that a transfer is a routing problem. To China it is a currency problem again.
Indicative reference rate, updated . Your payable amount is confirmed against your invoice before you fund.
Price a payment to China
Enter the invoice in yuan and choose how you would fund it.
You send about
1,490.82 USDT
≈ €1,282.13
1 USDT ≈ ¥6.71
This is a payment route for supplier invoices. It is not an international wire and not a way to make a personal remittance. If you want to support family in China, the honest answer is further down and it is no. If you import, hold stablecoins and are comparing your own bank: the difference is not the fee line, it is which amount arrives and when you find out whether the payment is permitted at all.
- Business recipients only
- Funded from USDT or USDC
- Refusals arrive before funding
A deliberately narrow route
One CNY invoice, one Chinese business account, funding from stablecoin. Everything outside that is refused rather than half-served — and refused before you have spent anything.
- You fund
- EUR · USDT · USDC
- What arrives
- CNY, company account
- You keep
- Reference + status
EUR
Bank transfer in the eurozone, then USDT
USDT
Native Unigox Wallet
USDC
Native Unigox Wallet
Recipient gets
ChinaCNY
The exact yuan stated on the invoice, paid to the recipient in China.
How do I send money to China?
It depends on who you are paying and where your money currently sits. For a supplier invoice funded from USDT or USDC you already hold, Unigox prices the CNY amount directly and credits your supplier's business account over CNAPS. For euro sitting in a business account, or for a payment to a private individual, this is not the path — your bank's international transfer or a licensed payment service is the right choice there.
Statistical and reporting duties to your own central bank, and the evidence your bank asks for, remain yours. Whether and from what amount they apply is for your bank or your tax adviser; no thresholds are stated here on purpose.
What a comparison with your own bank should actually measure
A fee table compares one number. Four decide the route, and three of them appear in no table.
- 01
The amount that arrives
On a wire, correspondent banks deduct along the way. Your supplier then reports a shortfall on an invoice you paid in full. Here you set the CNY amount to be credited.
- 02
The charge option
SHA, OUR or BEN on your bank's form decides who carries the intermediary charges. Under a shared option they come out of the amount en route; under sender-pays you often learn the size only when the debit lands.
- 03
The intermediate steps
Count every conversion between where your money sits and the supplier's account. Starting from a stablecoin balance, the bank route needs a sale and a withdrawal to your account before it even begins.
- 04
When the refusal comes
A route that refuses late is an expensive route. Recipient eligibility, checks and amount limits run here in the pre-check, before a payment record exists at all.
None of this makes any route cheap or quick on its own. It makes the comparison legible, which is precisely what a fee table leaves out.
What this route serves and what it refuses
- Step 01
Served: the company invoice
A CNY invoice owed to a company with a bank account on the Chinese mainland, declared as a payment for goods or services to a supplier or service provider.
- Step 02
Refused: the personal remittance
A private individual's account in China is refused on the bank rail, as is an account in Hong Kong. Alipay and WeChat do exist in the wider corridor, but they are reserved for Chinese nationals resident outside China with a completed sender profile — so, for a European importer, no route at all.
- Step 03
Refused: the euro pay-in
There is no SEPA collection for this payment route. Funding is USDT or USDC in your Unigox Wallet, fee included, and there is no other source.
From recipient details to a tracked CNY payment
- 01
Add the recipient
Choose the supported China destination and enter the recipient details exactly as provided.
- 02
Enter the CNY invoice
Add the amount, purpose, relationship and optional invoice reference before pricing.
- 03
Choose how to fund
Select USDT or USDC from your native Unigox Wallet.
- 04
Review and follow the payment
Confirm the exact source and destination amounts, then follow the status from the same flow.
Pay from where your money already is
Unigox Wallet
Choose USDT or USDC
- Choose USDT or USDC
- Review the required wallet amount
- The recipient still receives CNY
Stablecoin rates and top-ups
What SEPA trained out of you
Inside the euro area a transfer is a solved problem. Enter the IBAN, enter the amount, done — and the amount you type is the amount that lands. Currency does not come into it because there is only one, and routing is reliable enough that nobody thinks about it any more.
Past the SEPA boundary both of those fall away. China does not take part in IBAN; the receiving bank works from an account number, a bank identifier and a company name it expects in Chinese characters. And the arriving amount is no longer settled once the form is submitted: your bank's conversion rate is one thing, the intermediary charges a second, and whether the receiving bank accepts the credit a third.
So the reflex fifteen years of SEPA produced is exactly the wrong one. Treat an international wire as the same action with a different destination and you are planning against a sum that has not been determined yet — and you find out otherwise when the supplier halts production.
The difference is the order, not the price
We are not claiming to be cheaper than your bank. That depends on your amount, your terms and the rate at which you acquired your stablecoins. A landing page that decides it for you is claiming to know your numbers.
What can be compared is the sequence. You state the CNY amount to be credited. The flow names the USDT or USDC required and holds it for a limited time; when that expires it prices again rather than settling stale. Recipient eligibility, the purpose and relationship declarations and the amount limits are checked beforehand rather than afterwards.
And the one figure that reconciles cleanly: CNY credited divided by USDT or USDC spent. Hold it against your bank's total for the same invoice on the same day, including the rate margin and the intermediary charges rather than the stated fee alone. The result applies to your case and is not a general statement, from us or from your bank.
- CNY credited divided by stablecoin spent: the one measure comparable across routes.
- A bank's margin sits inside the rate, not in the fee line. It belongs in the comparison.
- Both routes cost something. Only one of them can start from a stablecoin balance.
What you accept in return
The trade is a stricter recipient and a narrower use case. A business account, a name that matches the invoice, purpose and relationship stated on every individual payment, an amount inside the served band of roughly 55 CNY to about 65,000 CNY read from available liquidity. Those conditions are visible before you pay, but they are firm, and anyone who does not meet them is better served elsewhere.
There is also one constraint your bank does not have: it can debit euro from your business account. We cannot. If your liquidity lives there and you hold no stablecoins, this route has nothing for you today — and we would rather say so before you register than after.
One sentence on maturity. The business-recipient payout mode is new. It is built and tested end to end but has no long live history behind it, and we would rather say that than advertise it with words it has not earned yet. Start with something small and keep the supplier talking to you while the first payment runs, the way you would with any counterparty you have not paid before.
Built for the way the eurozone pays China
Two things shape this flow: China is a major sourcing corridor for the eurozone, and the invoice at the end of it is written in yuan and paid into a mainland company account.
What a comparison ought to settle
01How is this different from my bank's international transfer?
Two things, mainly. Where the money starts: your bank debits euro from a business account, we cannot do that and fund from USDT or USDC in the wallet. And when the arriving amount is settled: on a wire that is decided en route through rate and charges, here you set the CNY figure beforehand. Which route suits your invoice depends on your numbers.
02Can I use this to support family or friends in China?
No. Recipients on the bank rail have to be companies, and the wallet rails that could reach a private individual are reserved for Chinese nationals living outside China. For a personal remittance from Europe, use your bank or a licensed payment service.
03Can I pay in by SEPA, direct debit or card?
No. This route has no euro side for anything to be collected from — not a transfer, not a direct debit, not a card. If you want to pay from a business account, your bank's international wire is the right place; here every payment starts at a stablecoin balance.
04How much may I send to China?
On this route the binding constraint is the per-payment band, roughly 55 CNY to about 65,000 CNY, read from available liquidity and shown in the flow. What applies to you beyond that — reporting duties, evidence for your bank — is a different question, answered by your bank or your tax adviser rather than by this page.
05Does my supplier need a wallet or any knowledge of crypto?
No. They receive yuan into their company account and never see a wallet address. The stablecoin only pays for your end of it.
06What happens if the payment cannot go through?
The pre-check refuses it before anything has been spent: ineligible recipient, a missing purpose or relationship declaration, an amount outside the band. That is the whole point of the order — whatever can refuse does so while a refusal still costs nothing.
Run the comparison on an invoice of your own
Open the payment flow, add the recipient and compare EUR, USDT, USDC before funding.
Start a payment to ChinaRelated China guides
Built primarily for businesses
Built for importers and repeat supplier payers. A private individual paying a business invoice runs the same checks and gets the same quote — the recipient on this route is always a company.