Route comparison

Compare cost, timing and proof before money moves.

Every route shows where value starts, where it ends, expected cost, expected timing, and what approval or evidence is needed before confirmation.

Route calculator

Start with the payment job, country and amount.

Illustrative route reference libraryPublished examples are not live quotes or execution availability.Use these source links for orientation, then capture a fresh provider quote and current eligibility before approval.
Published quoteWise AUAUD 45,000 to PHP costs AUD 277.85 by Wise accountBenchmarkWorld Bank RPW6.36% global average remittance costBridge railPolygon USDCTypical USDC token transfer cost around USD 0.002USD on/off-rampCoinbase ACHNo Coinbase fee for USD ACH deposits or withdrawals; spread, conversion, trading and network costs can still applyAfrica railConduitStablecoin-powered money network with fiat and stablecoin orchestration for enterprisesAPAC local railsDueStablecoin payment API positioned around local payment rails and multi-market payoutsEmerging marketsTransFiStablecoin payment infrastructure across 70+ countries and many payment methodsUSDC mobilityCircle CCTPNative USDC cross-chain transfers using burn-and-mint rather than wrapped bridge assets
Plug-in rail mapOne neutral route layer for business and personal files.MyVaultOS records the route choice, approval and proof. Providers execute where available.
First connectorUS / USD entryCoinbase ACH / USDC / Base

Business: USD treasury funding, USDC balance and ACH withdrawal records.

Personal: Simple USD funding or withdrawal where the user has a Coinbase account.

No Coinbase ACH fee; show spread, conversion, trading and network costs before approval.
Corridor targetChina supplier paymentsUSDT / TRON

Business: Supplier invoices where the recipient prefers USDT/TRON settlement.

Personal: Hidden by default unless the user chooses an advanced stablecoin route.

Verify supplier wallet, invoice, sanctions screen and off-ramp responsibility.
Partner targetTanzania and AfricaConduit-style Africa local payout

Business: Mining, freight and supplier payments needing local bank or mobile-money payout.

Personal: Family support where supported by provider rules.

Confirm local currency, mobile-money support, payout limits, KYB/KYC and receipt callback.
Partner targetAPAC local payoutsDue / TransFi local rails

Business: Supplier payouts into APAC local rails and bank networks.

Personal: Personal transfers only where the provider supports the country and use case.

Confirm local rail, FX quote, recipient fields, payout timing and refund path.
Enterprise optionInstitutional counterpartiesBVNK / Bridge / Zero Hash

Business: Enterprise customers needing recognised infrastructure and stronger compliance records.

Personal: Not a default personal route.

KYB, account terms, available corridors, audit logs and customer support path.
Illustrative routePay bill with self-controlled protectionAustralia to Philippines - User-controlled wallet to conditional release contract
Send amount$1,000.00
Estimated fee$1.00
Recipient value$999.00
ETAMinutes once approved
ProviderProtected payment contract
StatusReference only
Total cost$1.00
Cash-outNo cash-out; protected release only
Proof qualityStrong
AvailabilityRequires live quote
Before confirmWallet signature and release condition
Next blockerRecipient must accept this settlement route

Proof pack

Payment conditionWallet approvalRelease proof

This rules-based comparison uses illustrative fee assumptions and published reference links. It is not a live quote, recommendation or confirmation of availability. A fresh provider quote, provider eligibility, identity checks and local rules control any execution.

Coinbase USD funding route

USD ACH to USDC settlement balance

Total
$4,500.00
Fee
$0.00 Coinbase ACH fee before spread or network costs
Recipient
$4,500.00 before spread or network costs
ETA
Same day to several days
Availability
Needs provider account
Cash-out
USD ACH withdrawal where Coinbase supports the account
Proof quality
Strong
Approval
Provider account, ACH funding and quote confirmation
Evidence
Coinbase account reference, ACH confirmation, USDC receipt, approval record
Next action
Coinbase account, eligibility and ACH limits required
speed3/5cost4/5proof4/5access4/5risk3/5
Detailed record

Coinbase ACH deposit or withdrawal, USDC quote and provider status event.

China supplier USDT/TRON route

Buyer-funded stablecoin route to supplier-preferred USDT/TRON settlement

Total
$50,000.00
Fee
$6.50 est.
Recipient
$49,993.50 before provider spread
ETA
Minutes once funded and approved
Availability
Country dependent
Cash-out
Supplier keeps USDT or uses their own local off-ramp
Proof quality
Strong
Approval
Supplier wallet verification and user approval
Evidence
Supplier invoice, wallet verification, approval, transaction hash, receipt
Next action
Supplier address and local compliance checks required
speed5/5cost5/5proof4/5access3/5risk3/5
Detailed record

USDT/TRON address screening, quote capture, transaction hash and receipt record.

Africa local payout route

Stablecoin settlement to supported African local bank or mobile-money route

Total
$12,000.00
Fee
$32.00 est.
Recipient
$11,968.00 before FX and payout fees
ETA
Minutes to same day where supported
Availability
Setup required
Cash-out
Local bank or mobile-money route where provider supports it
Proof quality
Very strong
Approval
Recipient, payout method and provider quote
Evidence
Provider quote, recipient proof, payout reference, settlement receipt
Next action
Provider account, corridor support and local payout method required
speed4/5cost4/5proof5/5access4/5risk4/5
Detailed record

Conduit-style fiat/stablecoin orchestration, local payout status and receipt callback.

APAC local payout route

Stablecoin settlement to APAC local payment rail where supported

Total
$8,000.00
Fee
$21.00 est.
Recipient
$7,979.00 before FX and payout fees
ETA
Minutes to same day where supported
Availability
Setup required
Cash-out
UPI, FAST, PromptPay, DuitNow, BI-FAST, NAPAS, Raast or other supported local rail
Proof quality
Strong
Approval
Provider quote and local rail eligibility
Evidence
Quote, recipient details, local payout reference, receipt
Next action
Provider integration and corridor coverage required
speed4/5cost4/5proof4/5access4/5risk3/5
Detailed record

Due or TransFi route quote, local payout rail, status callback and receipt.

Enterprise stablecoin rail

Institutional stablecoin infrastructure with provider compliance controls

Total
$25,000.00
Fee
$45.00 est.
Recipient
$24,955.00 before FX and provider spread
ETA
Same day to several days
Availability
Setup required
Cash-out
Provider-supported fiat and stablecoin settlement
Proof quality
Very strong
Approval
Business account, KYB and provider quote
Evidence
KYB status, quote, provider reference, settlement receipt, exportable audit record
Next action
Commercial onboarding and KYB required
speed3/5cost3/5proof5/5access3/5risk5/5
Detailed record

Enterprise API quote, compliance record, payment status and exportable audit log.

On-ramp to bridge settlement

Card or bank to USDC bridge balance

Total
$4,500.00
Fee
$18.40 est.
Recipient
$4,481.60
ETA
Minutes to same day
Availability
Needs provider account
Cash-out
Not applicable
Proof quality
Strong
Approval
User KYC and transfer confirmation
Evidence
Provider reference, on-ramp receipt, conversion record
Next action
Provider account and identity check required
speed4/5cost3/5proof4/5access5/5risk3/5
Detailed record

Hosted on-ramp reference, returned quote and wallet credit event.

Off-ramp to linked account

USDC or USD balance to bank payout

Total
$4,500.00
Fee
$24.80 est.
Recipient
$4,475.20
ETA
Same day to 2 days
Availability
Needs provider account
Cash-out
Bank payout where provider supports it
Proof quality
Strong
Approval
User approval and destination check
Evidence
Conversion receipt, payout reference, destination proof
Next action
Needs payout account
speed3/5cost3/5proof4/5access4/5risk3/5
Detailed record

Provider payout reference, destination check and status update.

Pay bill through bridge with protected release

Fiat-funded bridge settlement with release conditions until proof is accepted

Total
$1,850.00
Fee
$2.90 est.
Recipient
$1,847.10
ETA
Minutes once approved
Availability
Setup required
Cash-out
Recipient route required
Proof quality
Very strong
Approval
Bill upload and release condition
Evidence
Bill, on-ramp reference, settlement hash, release receipt
Next action
Needs bill details
speed2/5cost4/5proof5/5access4/5risk4/5
Detailed record

On-ramp quote, protected payment condition, wallet approval, settlement hash and release event.

Pay bill with self-controlled protection

User-controlled wallet to conditional release contract

Total
$730.00
Fee
$2.90 est.
Recipient
$727.10
ETA
Minutes once approved
Availability
Requires live quote
Cash-out
No cash-out; protected release only
Proof quality
Strong
Approval
Wallet signature and release condition
Evidence
Payment condition, approval record, release proof
Next action
Recipient must accept this settlement route
speed5/5cost5/5proof4/5access2/5risk3/5
Detailed record

Protected payment address, network fee, wallet signature and settlement reference.

Seamless fiat-recipient transfer

Fiat payer to fiat recipient through blockchain settlement

Total
$620.00
Fee
$1.20 est.
Recipient
$618.80
ETA
Minutes
Availability
Country dependent
Cash-out
Off-ramp where recipient route is supported
Proof quality
Standard
Approval
Wallet signature
Evidence
Recipient, memo, on-ramp reference, settlement hash, off-ramp receipt
Next action
Recipient verification recommended
speed5/5cost5/5proof3/5access3/5risk3/5
Detailed record

On-ramp reference, wallet address, network, settlement reference, off-ramp reference and confirmation count.

How scores work

Scores explain the trade-off behind each route.

Each score combines speed, cost, proof quality, access and risk. Choose the route that best fits the job, not a technical network.