Send money to China from the USA, from a stablecoin balance
You already have a wire, Wise and PayPal. What you do not have is a route that starts from USDT or USDC.
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
≈ $1,490.82
1 USDT ≈ ¥6.71
This is a supplier-payment corridor, not a remittance rail. If you are supporting family in China, the honest answer is on this page and it is no. If you are an importer holding stablecoins and comparing routes for a factory invoice, the arithmetic is here too — including the parts that will refuse you.
- Business recipients only
- USDT or USDC funding
- Checks run before you fund
One corridor, deliberately narrow
A CNY invoice, a Chinese business bank account, and stablecoin funding. Anything outside that is refused rather than half-served, and refused before you have spent anything.
- You fund
- USDT · USDC
- They receive
- CNY, company account
- You keep
- Invoice + status
USD
Bank transfer in the United States, 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.
What is the best way to send money to China from the USA?
It depends on what you are sending and what your money is in. For a supplier invoice funded from USDT or USDC you already hold, Unigox prices the CNY invoice directly and pays the supplier's company bank account over CNAPS. For dollars sitting in a checking account, or a payment to a person, this is not the route — a bank wire or a licensed remittance provider is.
Unigox holds no float for this journey. The payout is a trade you open yourself, and the stablecoin stays in your own wallet until you sign the escrow that funds it.
What a comparison should actually count
A fee table compares one number. A route is decided by four, and three of them never appear in the table.
- 01
The legs
Count every conversion between where your money is now and the supplier's account. From a stablecoin balance, a wire route adds a sale and a bank withdrawal before it even begins.
- 02
The refusals
A route that refuses you late is expensive. Recipient eligibility, screening and the amount band are all checked in the preflight, before a payment record exists.
- 03
The shelf life
A price you cannot act on is not a price. Figures here are held for ten minutes and then re-priced rather than honoured stale.
- 04
The receiving side
Your supplier is paid in yuan into their company account. They need no wallet address, no exchange account and no crypto handling of any kind.
None of this makes a route cheap or quick by itself. It makes the comparison legible, which is the part a fee table leaves out.
What this corridor serves, and what it refuses
- Step 01
Serves: a company invoice
A CNY invoice owed to a business with a bank account in mainland China, declared as payment for goods or services from a supplier or service provider.
- Step 02
Refuses: a personal transfer
An individual's Chinese bank account is refused on the bank rail, and the wallet rails that could pay a person are gated to verified Chinese nationals living outside China.
- Step 03
Refuses: dollar funding
There is no USD pay-in for this journey today. Funding is USDT or USDC from your Unigox Wallet, and nothing else — including for the fee.
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
Why a stablecoin balance is the whole point
Every route a US importer already has starts in dollars. To use one from a stablecoin balance you sell first, wait for fiat to land in a bank account, then send — two extra steps paid for in spread, in timing risk against an invoice that has not moved, and in bookkeeping nobody enjoys.
This corridor starts where the money already is. The preflight skips the fiat collection leg entirely when funding is a stablecoin, so the amount you are asked to produce is denominated in USDT or USDC and no dollar figure appears in the funding total at all.
The trade-off is worth stating plainly: if your working capital lives in a checking account, this route has nothing for you today, because the pay-in leg it would need is not available in the US.
How the payment is actually made
Add the supplier once, with what their bank requires: the company name in Latin letters and in Chinese characters, the business account number, the receiving bank and a mainland mobile number. Each field's shape is validated when the recipient is saved, so a malformed account number surfaces then rather than at payout.
Then, per payment: a purpose and a relationship, the exact CNY total, a price you have ten minutes to accept, and a payout trade you sign. Screening runs for every payment and resets whenever recipient details change, so a correction made yesterday is re-checked today rather than trusted.
Status stays in one place. The underlying trade has far more states than a payer needs, and the bill reports the four that answer a payer's questions: has my money left, is the supplier being paid, is it done, did something go wrong.
- Recipients are reusable once cleared; each new invoice is entered fresh.
- The invoice reference travels with the payment, so your records and the supplier's describe the same event.
- A quote that lapses is re-priced, and you see the new figure before the next action.
Comparing it with the wire you would otherwise send
A dollar wire to China is priced in three places: your bank's outgoing fee, the margin applied when dollars become yuan, and correspondent deductions taken in transit. The third is why a supplier sometimes reports a shortfall against an invoice you paid in full.
The comparable figure here is easier to obtain, which is not the same as saying it wins: the exact CNY your supplier receives, divided by the USDT or USDC you fund. Run that against your bank's all-in number for the same invoice on the same day and the answer is specific to your amounts rather than a generic claim from either side.
What this route asks in exchange is a stricter recipient. A business account, a name that matches the invoice, screening per payment, an amount inside the served band — roughly ¥55 to about ¥65,000, moving with liquidity and shown when you price. Those conditions are visible before you commit rather than discovered afterwards, but they are real, and a payer who cannot meet them is better served elsewhere.
Built for the way the United States pays China
Two things shape this flow: China is a major sourcing corridor for the United States, and the invoice at the end of it is written in yuan and paid into a mainland company account.
Questions a comparison should answer
01Can I send money to family in China with this?
No. Bank recipients on this corridor must be a business, and the personal wallet rails are limited to verified Chinese nationals living outside China sending to themselves or their family. For a personal remittance from the US, use a licensed remittance provider.
02Can I fund from a US bank account, card or PayPal?
Not today. Funding is USDT or USDC held in your Unigox Wallet. There is no dollar collection leg for this journey.
03Does my supplier need to accept crypto?
No. They receive CNY into their company bank account and never see a wallet address. The stablecoin is only how your side of the payment is funded.
04What happens if the payment cannot go through?
The preflight refuses it before anything is spent — an unscreened or ineligible recipient, a missing declaration, an amount outside the band. That ordering is the point: everything that can refuse you does so while a refusal is still free.
05Is there a minimum or a maximum?
Yes, both a floor and a ceiling apply, and neither is a fixed schedule — they are read from the liquidity available for the CNY leg at the moment you ask. The flow states the band that applies to your payment before you fund, and an amount outside it is refused at no cost.
Run the comparison on your own invoice
Open the payment flow, add the recipient and compare USD, 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.