{"id":238233,"date":"2026-10-11T14:55:51","date_gmt":"2026-10-11T14:55:51","guid":{"rendered":"https:\/\/mycryptomania.com\/?p=238233"},"modified":"2026-10-11T14:55:51","modified_gmt":"2026-10-11T14:55:51","slug":"why-big-payments-still-cost-more-than-they-should","status":"publish","type":"post","link":"https:\/\/mycryptomania.com\/?p=238233","title":{"rendered":"Why Big Payments Still Cost More Than They Should"},"content":{"rendered":"

The World Bank has been tracking what it costs to send money across borders for more than a decade, and its latest global average is about 6.4%<\/a> of the amount sent. That figure is measured on small $200 transfers, the kind families send home, so a company wiring tens of thousands of euros pays a much lower rate. Still, it shows how the industry prices a transfer: as a share of whatever you send, so a bigger payment automatically means a bigger\u00a0bill.<\/p>\n

For a treasury team that moves large amounts, this is what makes planning awkward. You can\u2019t put a percentage into next quarter\u2019s budget without guessing the volumes first, and the guess usually misses in the direction you didn\u2019t\u00a0want.<\/p>\n

One Urgent Payment, Two Ways To Send\u00a0It<\/strong><\/h4>\n

Imagine a company that has just agreed a deal with a supplier outside the EU and has to pay \u20ac90,000 by Friday. Finance expects the transfer to cost around a hundred euros and moves on to other\u00a0things.<\/p>\n

\ud83d\udd34On the bank route, the bill builds up piece by piece. The daily online limit is \u20ac50,000, so there are two transfers instead of one. Each one picks up a fee of about 0.2% and an intermediary bank deduction of around \u20ac40, and converting the euros into the supplier\u2019s currency costs roughly another 1%. Together that\u2019s around \u20ac1,100, so the supplier receives less than the invoice, and the company sends a third transfer to cover the gap. In between, the bank asks for documents showing where the \u20ac90,000 came from. That\u2019s a normal check, but it lands at the worst possible\u00a0moment.<\/p>\n

\ud83d\udd34The second route sends the same amount through an on\/off-ramp, with the supplier paid in USDC, and this is where flat pricing changes the picture. WhiteBIT On\/Off-Ramp<\/a>, for example, charges institutional clients a fixed \u20ac5 on deposits and withdrawals, whether the amount is \u20ac500 or \u20ac90,000. A single transaction can go up to \u20ac100,000 with individual limits. The company\u2019s KYB and AML checks were done once at onboarding, so the payment clears via SEPA with no surprise requests in the middle of the\u00a0week.<\/p>\n

Where the Market Is\u00a0Heading<\/strong><\/h4>\n

Companies are already moving in this direction. McKinsey and Artemis estimate<\/a> that business-to-business payments in stablecoins now run at about $226 billion a year, roughly 60% of all real stablecoin payments, and that this volume grew more than seven times over the year. They want the same thing as the finance team in our example: a payment that arrives in full and a cost they can name before pressing\u00a0\u201csend.\u201d<\/p>\n

Different providers have built for different parts of that demand. Zero Hash On\/Off Ramp<\/a>, for example, is infrastructure for platforms that want ramps inside their own app. It works with ACH, RTP, SEPA, and PSP rails, covers the whole US with a strong focus on dollar flows, and lets the platform set its own pricing. Bridge Global Payouts<\/a>, part of Stripe, covers the payouts side: it converts between USD, EUR, MXN, and stablecoins through one API and is designed mostly for companies that pay contractors, sellers, and teams in many countries.<\/p>\n

What to Take Into the Next\u00a0Budget<\/strong><\/h4>\n

Before comparing providers, open the last quarter\u2019s payment log and check two things: how many transfers went out and how large they were on average. Percentage pricing gets expensive for companies that send fewer, larger payments, and that\u2019s usually where a flat fee starts to pay off. If you take the three providers I mentioned above, each of them is built around a different payment pattern, so your own log will tell you more than any comparison table. Add the conversion terms on top, and the transfer line in the budget becomes a number you can count rather than\u00a0guess.<\/p>\n

Disclaimer: This is not financial or investment advice. Do your own research before making any decisions. Use at your own\u00a0risk.<\/p>\n

Why Big Payments Still Cost More Than They Should<\/a> was originally published in Coinmonks<\/a> on Medium, where people are continuing the conversation by highlighting and responding to this story.<\/p>","protected":false},"excerpt":{"rendered":"

The World Bank has been tracking what it costs to send money across borders for more than a decade, and its latest global average is about 6.4% of the amount sent. That figure is measured on small $200 transfers, the kind families send home, so a company wiring tens of thousands of euros pays a […]<\/p>\n","protected":false},"author":0,"featured_media":238234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-238233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interesting"],"_links":{"self":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/238233"}],"collection":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=238233"}],"version-history":[{"count":0,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/posts\/238233\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=\/wp\/v2\/media\/238234"}],"wp:attachment":[{"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=238233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=238233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mycryptomania.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=238233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}