According to RemitRoutes data (week of 2026-09-07), crypto and stablecoin rails average -1.19% of the transfer amount in total cost across 462 corridors, versus 0.58% for traditional banks and fintechs across 494 corridors. Median total cost is -0.08% (crypto) versus 0.50% (traditional).
This is the only live, measured index of crypto-versus-traditional remittance cost — recomputed every 6 hours from real provider quotes, not modelled or surveyed. Explore the full corridor league table.
Updated September 10, 2026 · refreshed every 6 hours. Total cost = transfer fee + FX markup. Methodology.
We measure total cost at $200, $1,000, and $5,000 send amounts and find the approximate send size where the cheapest crypto path and the cheapest traditional path cross over.
| Corridor | Cheapest crypto | Cheapest traditional | Verdict |
|---|---|---|---|
| USD → PEN Peru | Binance P2P | Instarem | Crosses over near $4503 |
| SGD → KES Kenya | Luno | Western Union | Crosses over near $4613 |
| CAD → KES Kenya | Luno | Western Union | Crosses over near $4759 |
| AUD → KES Kenya | Luno | National Australia Bank | Crosses over near $4761 |
| NZD → KES Kenya | Luno | Remitly | Crosses over near $4864 |
| SEK → KES Kenya | Luno | Western Union | Crosses over near $4897 |
| DKK → KES Kenya | Luno | Remitly | Crosses over near $4903 |
| NOK → KES Kenya | Luno | Western Union | Crosses over near $4905 |
| KRW → KES Kenya | Luno | Wise | Crosses over near $4905 |
| HKD → KES Kenya | Luno | Western Union | Crosses over near $4915 |
Total cost % is measured at three sized send amounts ($200, $1,000, $5,000) using each provider's own depth-aware quote where available (order-book VWAP), else a flat fee %. The crossover send amount is LINEARLY INTERPOLATED between the two nearest measured points where the cheaper rail switches — it is an estimate of where the lines cross, not a directly measured data point. Corridors are excluded if we lack both a crypto and a traditional quote.