Yuan to US dollar, read as a payable invoice
The mid-market number is easy to find. The one that settles your invoice is quoted in the asset you fund with.
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
Price a CNY invoice
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
A CNY to USD converter answers a market question. Paying a supplier asks a different one: how much of the USDT or USDC you already hold does this invoice cost? In the United States that wallet balance is the only funding route Unigox offers today, so the arithmetic that decides your payment is yuan per stablecoin, not dollars per yuan.
- Funded from USDT or USDC
- Recipient is a Chinese business account
- Refusals happen before you fund
One invoice in yuan. One funding asset you already hold.
Enter the exact CNY total from the invoice and the flow prices it in USDT or USDC from your Unigox Wallet. There is no dollar leg on this route: the amount you are asked to produce is denominated in the token itself.
- You fund
- USDT · USDC
- Supplier gets
- CNY in China
- You compare
- ¥ per stablecoin
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 much is one yuan in US dollars?
The reference figure at the top of this page is the mid-market answer, read from a public rates service and stamped with the time it was read on New York time. What it cannot tell you is your cost, because a US payer funds a Unigox China payment from USDT or USDC in their Unigox Wallet — never from a dollar bank account. The number that prices the payment is yuan per stablecoin.
Reference rates here are indicative and are not a quote. A figure has a ten-minute shelf life, which bounds how stale the number on your screen can get rather than locking a price; the amount is settled when your payout is matched, and if the ten minutes lapse the flow re-prices rather than honouring a stale number.
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 different numbers are all called the yuan rate
The mid-market rate is the midpoint between what buyers bid and sellers ask in the interbank market. It is what Google, XE and your bank's site show, it is the right reference for orientation, and nobody transacts at it.
Underneath it sit two yuan. The onshore currency traded inside mainland China moves within a narrow band around a daily reference rate published by the People's Bank of China; the offshore yuan traded outside the mainland prices freely and can drift from it. Your supplier's company account is reached over CNAPS, China's domestic clearing system, so the onshore figure is the one your payout lands against.
The third number is the only one that changes what you pay: yuan per USDT or USDC. That is the arithmetic the calculator on this page runs when you choose wallet funding, because in the US wallet funding is the whole product.
- Mid-market CNY/USD: orientation, and it excludes every spread and fee on any route you could actually use.
- Onshore CNY against offshore CNH: two prices for one currency. Payouts here settle onshore, into a company's bank account.
- CNY per USDT or USDC: the figure your Unigox payment is priced on, shown beside the funding choice.
What moves the number between the price and the payout
The payout leg is a trade you open yourself. Unigox holds no float against your invoice and fronts nothing, so the figure is not a house rate published in advance — it is set when your payout is matched against available liquidity, against the baseline the flow sends with it.
That is why a figure has a shelf life. A price is held for ten minutes; leave the screen and come back after it lapses and you are shown a fresh one and asked again, rather than paid at a number that can no longer be honoured.
Size matters as much as timing. The corridor serves a band — roughly ¥55 at the bottom to about ¥65,000 at the top, moving with liquidity rather than fixed by policy — and the limits that apply to you are the ones shown when you price. An amount outside them is refused during the preflight, which runs before a payment record exists and before anything is spent.
- Held ten minutes, then re-priced rather than honoured stale.
- Priced per invoice against liquidity at that moment, not read off a published house rate.
- Amounts outside the served band are refused at preflight, at no cost to you.
How to compare it against the route you already have
Most US buyers reading this can already wire dollars and know roughly what that costs. The comparison that matters is not fee against fee, it is legs against legs. To wire from a stablecoin balance you first sell on an exchange, withdraw dollars to a bank, then send — and correspondent deductions on the way are usually discovered when the supplier reports what arrived.
This route removes the first two of those steps and states the third differently: the invoice stays fixed in CNY and the cost is expressed in the token you already hold. Divide the CNY your supplier receives by the USDT or USDC you fund and you have one comparable number.
We publish the inputs rather than the verdict. Which route wins depends on your amount, your bank and where your liquidity currently sits, and a landing page that claims otherwise is claiming to know your balance sheet.
- CNY received ÷ stablecoin funded is the one figure that compares cleanly across routes.
- A wire's correspondent charges are taken in transit; this route states the funding amount before you commit.
- Neither route is free. Only one of them can start from a stablecoin balance.
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.
Rate questions US payers ask first
01Where can I find a USD to CNY chart, history or calculator?
Not here, and that is deliberate. A chart of the dollar against the renminbi is a market-data product, and there are good free ones; this page exists for the moment after you have looked at one, when there is an invoice in yuan to actually pay. What we publish is a single reference figure with the time it was read, and a quote that prices a real invoice against it.
02Is the rate on this page a quote?
No. It is an indicative reference read from a public rates service and stamped with the time it was read, on New York time. Your payable figure comes from the payment flow, against your invoice and recipient.
03Why is my payment priced in USDT rather than dollars?
Because the wallet path has no fiat collection leg at all. When funding is a stablecoin the flow skips that leg, so the amount you fund is denominated in the token. A dollar pay-in for this journey is not available in the US today.
04Is this the onshore yuan or the offshore one?
Onshore. Payouts reach a Chinese business bank account over CNAPS, so the relevant reference is the onshore CNY rate rather than the offshore CNH price quoted in Hong Kong and Singapore.
05How long is a price held?
Ten minutes. If it lapses before you act, the flow prices the invoice again and shows you the new figure before anything moves.
06Could I not just wire dollars and let my bank convert?
You can, and for money already sitting in a checking account that is often the sensible thing to do. It is simply not this route: there is no dollar pay-in here, so the only way to fund a Unigox China payment from the US is USDT or USDC already held in your Unigox Wallet. What that buys you is one leg instead of three, which only matters if your money is already in the token.
Turn the rate check into a priced invoice
Open the payment flow, add the recipient and compare USD, USDT, USDC before funding.
Price my supplier's 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.