Freelancer payout calculator
Invoice a client and compare what actually lands in your account across three rails: a stablecoin route (on-chain plus a real off-ramp's fee schedule), a traditional bank wire, and a Wise-style transfer.
Stablecoin (USDC via Kraken + Kraken)
$4,971
Minutes on SEPA Instant, same day on wires
Wise-style transfer
$4,950
Same day to 2 days
Traditional bank wire (SWIFT)
$4,815
3–5 business days
Annual difference, best vs worst rail (paid monthly)
$1,878
Stablecoin (USDC via Kraken + Kraken) vs Traditional bank wire (SWIFT), on $5,000/month
Bank wire and Wise figures use documented industry-typical fee and FX-spread assumptions (wire: ~$35 flat plus a 3% FX spread; Wise-style: 0.6% fee plus a 0.4% spread), not a live quote — actual rates vary by corridor and provider. The stablecoin figure reuses real venue and off-ramp fee data already tracked on this site.