Read the yuan in euro, settle the invoice in stablecoin
A rate tells you how big the invoice is. It says nothing about what you settle it with.
Indicative reference rate, updated . Your payable amount is confirmed against your invoice before you fund.
100, 1,000 and 10,000 yuan to euros at this rate
- ¥100
- ≈ €12.82
- ¥1,000
- ≈ €128.21
- ¥10,000
- ≈ €1,282.13
- €1,000.00
- ≈ ¥7,799.52
- €10,000.00
- ≈ ¥77,995.24
- €100,000.00
- ≈ ¥779,952.42
Price a CNY invoice
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
A yuan-to-euro calculator answers one question: how large is this invoice in the currency you think in. It does not answer what you pay it with. On this corridor your supplier's CNY total is the fixed figure, and it is funded from USDT or USDC held in your Unigox Wallet — there is no euro pay-in leg on this route today.
- Invoice denominated in CNY
- Funded from USDT or USDC
- Paid only to a Chinese business account
Euro is the currency you think in. It is not the currency that settles.
Enter the CNY total from the invoice, read it in euro for orientation, and fund the payment from the balance you already hold.
- Invoice in
- CNY
- Read in
- Euro
- Funded from
- EUR · USDT · USDC
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 much is one yuan in euro?
The reference at the top of this page is the mid-market reading, taken from the same quote service used across the site and stamped with the moment it was read. It is orientation, not an offer: no route, no counterparty and no fee hang off it. Your payment turns on a different number — how much USDT or USDC it takes for your supplier's business account in mainland China to be credited with exactly the CNY total on the invoice.
For your books you need an official rate rather than ours: the ECB reference rate published each business day, or the monthly VAT conversion rates your tax administration issues. Which one applies is a question for your accountant, not for this page.
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
Three figures are all called the yuan rate, and only one of them pays for anything
The mid-market rate is the midpoint between bid and offer in the interbank market. It is what a search engine shows you, what your bank's rates page shows you and what every online calculator computes. It is the right size for judging an invoice, and nobody trades at it.
Beneath it sit two yuan. The onshore yuan trades on the mainland inside a narrow band around a daily reference published by China's central bank. The offshore yuan, listed as CNH in broker and rate apps, floats and can drift away from it. Your supplier's company account is reached over CNAPS, the domestic clearing system, so the credit lands on the onshore side even when your app is quoting CNH.
The third figure is the only one that changes what you spend: CNY per USDT, or per USDC. That is the arithmetic the calculator on this page performs the moment you enter an invoice total. In the euro area, wallet funding is not one option among several — it is the whole route.
- Mid-market EUR/CNY: orientation. No spread, no fee, no route.
- Onshore CNY and offshore CNH price the same currency differently. The credit lands onshore, in a company account.
- CNY per USDT or USDC: the pair the flow prices your invoice against.
One rate for the ledger, another number for the payment
European importers need two different figures here and routinely conflate them. The first is a rate an entry is booked at. Published sources exist for that, and their whole value is that they come from a party with no interest in your trade.
The second is a price. A price has a beneficiary, a route, a margin and a window in which it holds. It is not a worse version of a rate; it answers a different question — not what a yuan is worth in general, but what it costs to credit this one company in China with this one amount.
In practice that means three records. The reference above belongs in your estimate. The figure from the payment flow belongs in your decision. And a third document belongs in your file: the rate and the date on which you bought the stablecoins. Your euro exposure is created there, one order before the payment and on its own day, which is why it needs a record of its own rather than a line inside the payment's.
- Booking rate: comes from an official source, not from us.
- Payment figure: holds for one beneficiary, one amount and a limited window.
- Stablecoin purchase rate: file it with its date against the order, not in a monthly lump entry.
What the rate cannot tell you: whether the payment is allowed at all
A rate is arithmetic. A payment into China is an eligibility question, and it is settled by the recipient rather than the amount. The credit lands in a company's account on the Chinese mainland and nowhere else. A supplier's personal account, or their sales manager's, is turned away by the backend rather than quietly omitted from the form. So is an account in Hong Kong.
There is also a band. Amounts from roughly 55 CNY up to about 65,000 CNY per payment are served, read from the liquidity actually available rather than published as a fixed schedule. Which figures apply to you appear in the flow when you price. A sample charge of a few yuan can fall under the floor; a container invoice often sits above the ceiling and is then split along your own payment terms.
Anything that can refuse, refuses first. Recipient eligibility, purpose, relationship and the amount band all run in the pre-check, before a payment record exists at all. That is the order you want once you have watched an international transfer come back three weeks later with no explanation.
- The recipient must be a company holding an account on the Chinese mainland.
- The band that applies is stated in the flow at pricing time, not promised on this page.
- A priced figure holds only briefly. When it expires the flow prices again rather than settling stale.
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.
Yuan-to-euro questions before you fund
01Is the rate on this page a binding offer?
No. It is an indicative reference, read server-side and stamped with the time it was taken. If the quote service does not answer, the page shows no figure rather than a stale one. Your binding amount comes into existence inside the payment flow, against your invoice and your recipient.
02Can I pay in by SEPA transfer in euro?
Not today. This payment route has no euro pay-in, no direct debit and no card. Funding is USDT or USDC in your Unigox Wallet and nothing else.
03CNY, CNH, RMB — which one is on my invoice?
Renminbi is the name of the currency, CNY its ISO code, and yuan the unit an invoice is written in. CNH is the same currency priced offshore. Payout here is onshore over CNAPS, so the CNH figure in your app is the wrong reference for the credit.
04Which rate should I use in the accounts?
Not ours. Officially published rates exist for that, and which one applies depends on the transaction and your accounting policy. Take it to your accountant or tax adviser; we do not supply a booking rate.
05Why does my bank's calculator disagree with this page?
Because the two describe different things. A rate calculator sets one currency unit against another with nothing attached. A bank offer already contains your bank's margin. The routes only become comparable on one measure: CNY credited divided by the total you spent.
Turn the rate check into a settled invoice
Open the payment flow, add the recipient and compare EUR, USDT, USDC before funding.
Price 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.