Yuan to cedis: three numbers, three different shelf lives
Every rate has an age. Almost nowhere you find one will tell you what it is.
Indicative reference rate, updated . Your payable amount is confirmed against your invoice before you fund.
100, 1,000 and 10,000 yuan to cedis at this rate
- ¥100
- ≈ GH₵170.32
- ¥1,000
- ≈ GH₵1,703.23
- ¥10,000
- ≈ GH₵17,032.27
- GH₵1,000.00
- ≈ ¥587.12
- GH₵10,000.00
- ≈ ¥5,871.21
- GH₵100,000.00
- ≈ ¥58,712.06
Put a real invoice through it
Enter the invoice in yuan and choose how you would fund it.
You send about
1,490.82 USDT
≈ GH₵17,032.27
1 USDT ≈ ¥6.71
A striking share of this search carries the word today, and the instinct behind it is sound: the cedi has been unsteady enough against the dollar that a figure carried over from last week is a different figure. But a day is a coarse measure for a number revised continuously. Three separate figures sit inside a China order, each stays true for a different length of time, and mixing up how long each one lasts is where an importer's arithmetic quietly goes wrong.
- Reference figure, timestamped
- Wallet stablecoin funding
- Supplier receives yuan
One figure to decide with, another to commit to
The cedi reading tells you whether to keep negotiating. The yuan invoice and the funding total are the two figures anybody can be held to.
- Ages quickly
- CNY → GHS
- Lasts ten minutes
- The quote
- Does not move
- The CNY invoice
GHS
Priced in GHS, funded from USDT or USDC
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 yuan to cedi rate today?
The figure above answers that, and it answers it for a moment rather than for a day — which is why it carries the Accra clock time at which it was taken. Treat it the way you would treat a price shouted across a market: useful now, worth rechecking later, and no basis for an argument tomorrow. Be clear about what it is for, too. It sizes a Chinese price in cedis so you can decide whether an order deserves another round of negotiation. It prices nothing you will be charged, because nothing in this payment is denominated in cedis: your supplier's invoice comes in yuan, and a stablecoin balance is what settles it.
There is no cedi collection on this route and no mobile money option behind it either, so the figure is not dressed up as a price. What sits above is a market reference carrying its own read time, and no number on this page is reserved on your behalf.
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
Today is not a unit of time a rate respects
The cedi figure you are reading is not struck directly against the yuan. Nobody trades that pair in size, so the number is assembled — the yuan against the dollar, the dollar against the cedi — and it therefore moves on Ghana's own news as readily as on anything happening in China. In a stretch where the cedi has been finding its level against the dollar, that second leg is usually the one doing the work.
Now set that against the shape of a real order. You read a figure, you spend a week or three agreeing quantities and a price, the factory issues an invoice in yuan, and you fund it some days after that. Between the reading and the funding, the thing that moved was never the invoice: the yuan written on it was fixed the day it was drawn up. What moved was how much producing that yuan total costs you. Two different questions, and they deserve two different numbers.
So use the reading the way a trader in Kumasi uses a price heard in the morning — to decide whether a conversation is worth continuing — and recheck it at the point money actually leaves. Be wary of a figure quoted back at you from a chat thread a fortnight old, particularly when the person quoting it has a reason for you to believe it.
- The cedi reading: accurate at the instant it was taken, set in Accra time, and binding on nobody.
- The quote inside the payment flow: ten minutes, which caps how old its pricing may be without holding any price for you.
- Your supplier's invoice: written in yuan the day it is issued, and untouched by whatever the cedi does afterwards.
- Your own cost in cedis: what the stablecoin purchase came to, priced on its own day and worth filing with the order.
Both ends of this payment turn the cedi away, for different reasons
Start at your end, because that is where the expectation is strongest. A Ghanaian reader planning a payment is thinking about MoMo, and MoMo has no part in this. Mobile money will not fund the payment and cannot deliver it. Nor is there a cedi collection option behind it: the journey takes in one currency and the cedi is not that currency, so the cedi is your reporting and budgeting unit here and nothing besides. What actually funds the payment is USDT or USDC standing in your Unigox Wallet. Whatever building that balance cost you happened in a market outside our pricing and outside our sight.
The far end refuses more than most first-time buyers expect, and the refusals are worth meeting before you agree terms rather than after. The money lands in an account belonging to a business on the Chinese mainland, reached over the CNAPS network. An account in a person's own name is turned away, regardless of how many years you have traded with whoever is behind it. A Hong Kong account is turned away too, which catches out buyers whose sourcing agent bills from there.
That turns supplier payability into a negotiation question. Ask them to write out five things: the bank holding the account; the account number, copied off a statement rather than dictated down a phone; the company name as it is registered, in Latin letters; that same name again in Chinese characters; and a mobile number on the mainland. Every payment also carries two declarations — what the money buys, goods or services, and how the far end is classed: supplier, or service provider. An arrangement answering to neither description does not fit this route, and learning that while a price is still being agreed costs nothing.
What the ten minutes are actually for
A quote in the flow lives for ten minutes. Read that as a cap on how old the pricing behind it may be, not as a rate held in your favour — the figure settles at the point the payout is matched, so what you see on screen is a close reading with a fuse on it. Ten minutes is short on purpose. Pretending a number holds for an hour, in a pair assembled from two moving legs, would be the dishonest version.
There is also no fee line to hunt for, because there is no separate fee. What it costs is folded into the sum you fund, which is cleaner than a headline rate with charges bolted on and harder to compare casually. To see it, hold the sum you funded against the yuan your supplier received. On a small first order that gap is a visible share of the total; on a large one it is not.
Two boundaries and one caution to finish. A floor and a ceiling both apply, and both are drawn from live liquidity at the instant you ask — which is exactly why this page prints neither, since a number here would be describing conditions that have already changed. The flow states the pair governing your own payment. As for the route: it is weeks old rather than years old, built and tested from end to end, and without the long run of ordinary payments behind it that earns a payout path real trust. Make a first payment small, unhurried, and at a moment when your supplier is replying promptly.
Built for the way Ghana pays China
Two things shape this flow: China is a major sourcing corridor for Ghana, and the invoice at the end of it is written in yuan and paid into a mainland company account.
Questions from Accra and Kumasi
01Is the cedi to yuan rate different from the yuan to cedi rate?
It is the same reading inverted, so no. What differs is which question you are actually asking. Cedi to yuan is normally the paying question — how many Ghana cedis a Chinese invoice comes to — and the answer there is that the invoice is denominated in yuan and settled in yuan, with the cedi serving as the currency you budget and report in rather than the currency that moves.
02Does MoMo work for paying a factory in China?
No. Mobile money neither funds this payment nor delivers it. The money comes from USDT or USDC standing in your Unigox Wallet, and what arrives at the other side is yuan at a company's mainland bank — an account with nothing on it that could receive a MoMo transfer.
03Can I fund this from a cedi account at my bank in Ghana?
Not into the invoice, and saying so plainly beats letting a widget imply otherwise. This journey collects in a single currency and the cedi is not it, so no cedi tile appears against a CNY bill. Cedis do buy the USDT or USDC that funds it, though, and that purchase is priced on Unigox before you take it.
04The rate I saw yesterday was different. Which one was right?
Both were, at their own moment. That is the awkward part of a pair assembled through the dollar: it can move on a quiet day in China because the cedi side moved. The figure that counts is the one live when money leaves, not the one you wrote down.
05Does this page hold a price for me?
It does not. What you are reading is a market reference, published so you can size an order before committing to it. A figure with an expiry comes into being only after a real invoice goes into the flow, and it states the yuan your supplier gets beside the sum you would fund.
06Is the quote locked once I see it?
No. Ten minutes is how long it stays usable, which bounds how old its pricing may be. Settlement happens at the point the payout is matched, so treat what you see as a tight reading rather than a rate reserved for you.
07What is the largest payment I can make?
A ceiling exists and a floor sits beneath it, and neither is set by us: both follow live liquidity as the question is asked. That is why no figure for either is printed on this page. The flow states the pair governing your own payment, before anything is funded.
From a figure with an age to an amount you can act on
Open the payment flow, add the recipient and compare USDT, USDC before funding.
Price a yuan 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.