US dollar to yuan, worked backwards from the invoice
Do not convert a dollar budget into yuan. Start from the CNY figure your supplier will reconcile against.
Indicative reference rate, updated . Your payable amount is confirmed against your invoice before you fund.
100, 1,000 and 10,000 yuan to US dollars at this rate
- ¥100
- ≈ $14.91
- ¥1,000
- ≈ $149.08
- ¥10,000
- ≈ $1,490.82
- $1,000.00
- ≈ ¥6,707.70
- $10,000.00
- ≈ ¥67,077.00
- $100,000.00
- ≈ ¥670,770.00
Size the invoice and pay
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
USD to CNY conversion is the wrong first step for a supplier payment, and it is the step most people take. Your supplier books the payment against the yuan total on their invoice, so that is the number Unigox starts from — then it tells you what settling it costs in the USDT or USDC sitting in your Unigox Wallet.
- Invoice fixed in CNY
- Funded in USDT or USDC
- Business recipients on CNAPS
Fix the yuan. Let the funding amount fall out.
The invoice total does not change while you shop for a route. What changes is what you fund it with, and in the United States that is USDT or USDC from your Unigox Wallet.
- They invoice
- Exact CNY total
- You review
- USDT or USDC amount
- They receive
- CNY, company account
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.
How do I work out what a CNY invoice costs me?
Take the exact yuan total from the invoice, not a rounded dollar budget, and price that. The flow converts in that direction: the CNY destination first, then the funding amount in USDT or USDC. For a US payer there is no dollar collection leg in between, so there is no second conversion quietly sitting between your money and the invoice.
Limits apply, and the ones that apply to you are shown when you price. Both ends are read from the liquidity available for the CNY leg at that moment rather than set by a published schedule, so an amount outside them is refused before anything is spent. A deposit and a balance are two payments, priced and screened separately.
What the flow needs before it can size anything
The recipient decides more of this than the amount does. A CNY invoice can only be priced once there is a destination this corridor is able to pay.
- 01
A business, not a person
The bank route pays a company. A CNAPS bank recipient must be a business account, and an individual one is refused by the server rather than merely hidden in the form.
- 02
The company's two names
The registered name in Latin letters, up to 50 characters, and the Chinese company name in characters. Both are the receiving bank's fields, and the ceilings are the rail's, not ours.
- 03
Account, bank and mobile
A 6 to 25 character business account number, the receiving institution, and an 11-digit mainland mobile number in the form the rail publishes.
- 04
Purpose and relationship
Declared per payment rather than stored on the supplier: goods or services, supplier or service provider. A price is refused without them.
Screening runs per payment and resets whenever a recipient is edited, so a corrected account number is re-checked before the next invoice instead of after your funds have moved.
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
Which invoices this corridor can size, and which it cannot
Plenty of Chinese exporters invoice US buyers in dollars and ask for a wire to an offshore account. That is a different payment from the one made here. Unigox settles a CNY invoice into a business bank account in mainland China over CNAPS; a USD invoice payable to a Hong Kong account sits outside the corridor entirely.
The recipient side is equally specific. The individual CNAPS format exists in the rail's schema and this journey refuses it, so paying a supplier's personal account is not something that can be arranged by filling the form differently.
If your supplier prices in dollars but banks onshore, ask them for the CNY figure they will book the payment against. That number, rather than your conversion of it, is what the payment should carry — along with the invoice reference, so both sides reconcile the same event.
- Served: a CNY invoice, to a Chinese company's bank account, on CNAPS.
- Not served: a USD invoice, an offshore account, or a supplier's personal account.
- Alipay and WeChat Pay exist on the corridor but are gated elsewhere — the Alipay page explains who they are for.
Sizing a deposit, a balance, and everything between
Trade terms usually split the money: a deposit to start production, a balance before or after shipment. Each instalment is its own payment here — priced when you make it, screened when you make it, carrying its own purpose declaration and its own invoice reference.
That has a practical consequence for the limits, because they apply per payment. An order split by genuine trade terms is measured as two amounts rather than one. Splitting a single payment artificially to slip under a limit is a different thing, and not something to do.
Anything outside the served band is refused in the preflight, before a bill record exists at all. The ordering matters for instalments in particular: you learn that a deposit is too large while it is still a number on a screen, rather than after you have told your supplier that production can start.
- Deposit and balance are priced independently — one price does not carry over to the other.
- The invoice reference travels with each payment so your records and the supplier's agree.
- Current limits are shown at pricing time rather than promised on a marketing page.
Why the funding total is stated in a token, not in dollars
Choose USDT or USDC and the flow skips the fiat collection leg outright — a property of the path the payment takes, not a presentation choice. The amount you are asked to produce is denominated in the token, because the token is what buys the payout.
It also means the dollar-to-yuan question sits one step away from your real cost. USDT and USDC are priced off the same dollar peg, so the mid-market USD/CNY rate stays a fair sanity check; it is simply not the arithmetic being run on your invoice.
The pricing screen takes the CNY amount and your funding choice before you have an account, and carries both across the sign-in, so nothing is typed twice. Sample amounts start at ¥5,000, which is roughly where a first production order lands rather than where a demo looks tidy.
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.
Sizing questions before the first payment
01What is the USD to CNY exchange rate right now?
The figure at the top of this page is the reference we read, with the time we read it — that is the honest answer to a live exchange rate question, because any number quoted without a timestamp is a number of unknown age. It is not the figure that settles your payment: the amount you fund is set when your payout is matched, against the invoice you entered. Use the reference to size the order and the flow to price it.
02How many dollars is a ¥10,000 invoice?
Multiply by the indicative CNY reference figure on this page for orientation. Your payable amount is stated in USDT or USDC and confirmed against the invoice in the flow, because that is the leg the payment actually has.
03My supplier invoices in USD. Can I still use this?
Not as a USD invoice. This corridor pays CNY into a mainland Chinese business account. Ask the supplier for the yuan figure and the company bank details they book payments against.
04Can I pay a supplier's personal bank account?
No. Bank recipients on this journey must be a business account, and the check runs on the server rather than in the browser, so a crafted request cannot select the individual format.
05Do I need to buy or hold yuan first?
No. You never hold CNY. You hold USDT or USDC, and the recipient receives the yuan stated on the invoice.
06What if my invoice is above the limit?
The preflight refuses it before anything is spent and shows the band that applied. Instalments that follow your real trade terms are separate payments; splitting one payment to get under a limit is not a workaround we support.
Know the funding amount before you commit
Open the payment flow, add the recipient and compare USD, USDT, USDC before funding.
Size a supplier invoiceRelated 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.