Calculator

How much could you save by moving your money better?

Two minutes, three numbers, and two results: what your current setup costs you, and what we estimate you could save or earn with the modern, regulated infrastructure that already exists. No sign-up, no email required.

Who you are
Your situation
Your numbers

Who are you?

Which one sounds like you?

Your numbers

USD
%

In emerging corridors, the effective total cost runs 2 to 7%: FX margin (1 to 3% hidden in the exchange rate), fees, and withholdings. We use 3%; adjust it if you know yours.

USD

Typical outgoing wire: 35 to 50 USD, plus 15 to 50 for each intermediary bank.

days

From the moment you send the payment until your supplier confirms it.

days

The assumption on the other side, adjustable

%

Truly all-in: entry from your local currency, exchange, payout to the supplier's bank on the other side, and the rail operator's margin. In LATAM corridors today that typically runs 1 to 2.5%, and drops with volume; the largest corridors go below 1%. We use 1.5% so we don't overpromise; the firm number comes from real quotes.

What the number above doesn't capture

  • The rate you see is the rate you get: today, between the moment you order and the payment lands, the rate moves and no one is accountable for the difference. In minutes, that window disappears.
  • Payments 24/7, no banking hours or holidays. And a supplier who gets paid instantly is usually willing to negotiate a better price or terms. You can even pay on delivery, with escrowed funds that release themselves.

This problem has a name: “paying a supplier abroad takes weeks and costs a fortune.” The savings above is an estimate with adjustable assumptions. The diagnostic turns it into a firm number, with your real data and quotes from licensed providers.

Your numbers

USD
%

Between fees, exchange rate, and your team's time. Adjust it to your case; most people haven't measured it.

days

The assumption on the other side, adjustable

%

All-in, including the payout in each person's local currency: in the region today, 1 to 2% is typical depending on countries and amounts, settling the same day. We use 1.5% so we don't overpromise; we confirm it with real quotes.

What the number above doesn't capture

  • You retain talent without raising salaries: getting paid the same day, in stable dollars, at a better effective exchange rate, is a real improvement for your team that doesn't cost you more.
  • No pre-funding: traditional platforms ask for the money days before payment. With instant settlement, your cash stays yours until the day you pay.
  • Grow without rebuilding anything: adding a person in another country is one more line item, not a new bank, a new provider, and a new procedure.

This problem has a name: “paying my people abroad is slow and eats fees every cycle.” The savings above is an adjustable estimate. The diagnostic turns it into a firm number, comparing your real cost against quotes from licensed providers.

Your numbers

USD

Equivalent in USD.

%

The assumption on the other side, adjustable

%

A gross, conservative reference for liquid, regulated dollar instruments; the net depends on the provider's fees. There are options with more yield and more risk; the diagnostic compares them for your case, with the real net.

What the number above doesn't capture

  • It earns without locking you in: unlike a fixed-term deposit, these instruments are liquid. The money earns today and stays available to pay tomorrow.
  • Your cash as collateral: where the bank says no, there are regulated options to get credit using your own balances as backing, without selling them.
  • The balance works on its own: it can be set up so that what sits idle overnight earns automatically, and comes back to your operation when you need it. No one has to remember.

This problem has a name: “my cash loses value every day and the bank won't lend against it.” Here we're not talking about saving but earning: money that sits idle today, put to work in regulated, liquid instruments. The diagnostic shows you which options apply to your case and the risk each one carries.

Your numbers

USD
%

Correspondent bank, cash logistics, and the risk you take on in between. Adjust it to your own.

days
days

The assumption on the other side, adjustable

%

All inclusive: entry, exchange, payout, and the provider's margin. In LATAM corridors today, 1 to 2.5% is typical; it drops with volume, and a professional operator negotiates better than anyone. We use 1.25% so we don't overpromise.

What the number above doesn't capture

  • You can quote more aggressively and keep the same margin: with a lower cost per transaction you can compete for clients you can't win today, without giving away margin.
  • Less cash on the move: less logistics, less physical risk, and your client confirms in minutes instead of calling you for three days straight.

Your business is margin and speed. The number above is an estimate with adjustable assumptions. The diagnostic turns it into a firm number, with real quotes from licensed, compliant providers.