Where our numbers come from
Every figure, its real source, and how fresh it is.
Parity never touches your money and never guesses. Each number on the site is wired to a real, named source, and we label exactly how current it is. The cost of sending money depends on both the currency and the physical countries involved, so we price it that way: the rate by currency, the fees and availability by country.
The mid-market exchange rate
fawazahmed0 currency-api
The true interbank rate for a currency pair, before anyone's margin. It is a once-a-day snapshot, so we label it a daily rate, never 'live'.
- Keyed by
- currency pair
- License
- Public domain (CC0)
Bank and transfer-app fees
Wise Comparison API
Real, named providers and their all-in cost for the physical send and receive country, which is why your country changes the answer. These figures are the bank-transfer payout method and are an indicative estimate, not a guaranteed quote.
- Keyed by
- country pair + pay-in method
- License
- Public comparison data, shown as an indicative estimate
The stablecoin off-ramp price
Exchange order books (Bitso, Busha, Quidax, Coins.ph, WazirX, VALR, Indodax)
The real local price to sell USDT for the receiving currency, which is what makes the crypto route honest instead of a marketing 0.9%.
- Keyed by
- receive currency
- License
- Display-safe venues only; redistribution-restricted venues feed the math but are never shown raw
The live market pulse (USDT peg, TRX price, network fee)
Coinbase, Binance and TronScan
Streamed straight to your browser so the numbers that drive the crypto route visibly tick. These are the only figures on the site that are genuinely real-time.
- Keyed by
- asset
- License
- Public exchange WebSocket and API
The cost benchmarks and the Rip-off Index context
World Bank Remittance Prices Worldwide
The authoritative country-corridor cost benchmark (global average 6.36%, banks 14.99%). It updates quarterly, so we use it as a benchmark and a sanity check, never as a live quote.
- Keyed by
- country-pair x payout method
- License
- CC BY 4.0 (attribution required)
The honest fine print
Every all-in cost is an indicative estimate, not a guaranteed, executable quote, exactly as a regulated provider distinguishes an estimate from a locked rate. Provider fees reflect the bank-transfer payout method; cash pickup and mobile-wallet payouts can cost more and are benchmarked separately.
Cost benchmark: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org. Exchange-rate data: Mid-market rates from the fawazahmed0 currency-api (public domain); fallback rates by Exchange Rate API (exchangerate-api.com).