SWIFT transfer analysis

The idea

The P2P price of USDT almost never matches the official dollar rate. Where hard currency is hard to get, people pay a premium for a crypto dollar; where currency flows freely, the premium is small or negative. That gap between countries is what this page measures.

The route: buy USDT where the premium over the official rate is lowest, sell it where the premium is highest, and move the money back with a bank transfer at the interbank rate. The earnings are the difference in premiums minus the cost of SWIFT.

How the result is calculated

We take the best USDT buy price in the first currency and the best sell price in the second, both from six P2P marketplaces. The proceeds are converted back into the starting currency at the official central-bank cross rate, and the bank fee is deducted: a percentage of the amount plus a flat component. What remains is the "net" column.

Prices are only taken from venues with a meaningful number of ads in that currency. On a market with two or three offers the price is random, and such data is excluded.

What to set before calculating

Enter the transfer amount, your bank's SWIFT fee as a percentage, and the flat component in dollars. Most banks charge 0.3–1% plus 15–40 dollars per transfer, but the numbers vary widely — check your own tariff. The flat part matters a lot: on a thousand dollars it eats several percent, on ten thousand it is barely noticeable.

Things to keep in mind

This is an estimate of an opportunity, not a set of instructions. An international transfer takes one to five business days, and P2P prices will move in that time. Your bank may ask for proof of the source of funds, and in several countries crypto operations are legally restricted. Confirm that a transfer between your accounts is possible at all before counting the profit.