{ "builtAt": "2026-11-14T18:30:58.051Z", "rules": { "amountUsd": 200, "executionBufferPct": 1, "kill": { "minWinShareOfTestedVolume": 0.25, "adoptionForFeeTest": 0.1, "minRevenueShareOfNewSupply": 0.05 }, "adoptionSteps": [ 0.01, 0.05, 0.1, 0.25 ] }, "sources": { "prices": { "source": "World Bank, Remittance Prices Worldwide, rpw_dataset_2011_2025_q3.xlsx (sheet \"Dataset (from Q2 2016)\"), column \"cc1 total cost %\" (sending the equivalent of US$200)", "url": "https://datacatalog.worldbank.org/search/dataset/0037898/Remittance-Prices-Worldwide", "file": "https://datacatalogfiles.worldbank.org/ddh-published/0037898/DR0095523/rpw_dataset_2011_2025_q3.xlsx", "period": "2025_3Q", "globalAverage": 6.36 }, "volumes": { "source": "Center for Global Development, updated 2024 bilateral remittances matrix (Huckstep & Clemens, 2026), \"Bilateral remittances (current US$)\", year 2024", "url": "https://www.cgdev.org/publication/geography-remittances-updated-global-bilateral-remittances-matrix", "file": "https://www.cgdev.org/sites/default/files/CGD-updated-2024-bilateral-remittances-matrix-%20XLSX.xlsx", "year": 2024, "worldTotalUsd": 898000000000, "note": "Modelled estimates, not observed transactions (the authors' caveat)." }, "quotes": { "source": "NEAR Intents 1Click API, POST https://1click.chaindefuser.com/v0/quote with dry: true (no funds move)", "at": "2026-11-14T13:38:34.723Z" }, "p2p": { "source": "Binance P2P public ad search (median of the top 5 USDT ads per side)", "url": "https://p2p.binance.com", "at": "2026-11-14T13:39:29.688Z", "midSource": "ExchangeRate-API open endpoint, https://open.er-api.com/v6/latest/USD", "midAt": "2026-11-14T00:02:31.000Z" }, "chain": { "fetchedAt": "2026-11-14T13:39:30.701Z", "defillama": "https://api.llama.fi/summary/fees/near-intents and /summary/dexs/near-intents", "price": "https://coins.llama.fi/prices/current/coingecko:near", "rpc": "https://rpc.mainnet.fastnear.com block (final) + EXPERIMENTAL_protocol_config" }, "legality": { "source": "https://en.wikipedia.org/wiki/Legality_of_cryptocurrency_by_country_or_territory", "pageLastEdited": "2026-08-21" } }, "countries": { "AGO": { "name": "Angola", "region": "SSA" }, "NAM": { "name": "Namibia", "region": "SSA" }, "ARE": { "name": "United Arab Emirates", "region": "" }, "SSD": { "name": "South Sudan", "region": "SSA" }, "IND": { "name": "India", "region": "SA" }, "EGY": { "name": "Egypt", "region": "MENAAP" }, "LKA": { "name": "Sri Lanka", "region": "SA" }, "NPL": { "name": "Nepal", "region": "SA" }, "PAK": { "name": "Pakistan", "region": "MENAAP" }, "PHL": { "name": "Philippines", "region": "EAP" }, "YEM": { "name": "Yemen", "region": "MENAAP" }, "BGD": { "name": "Bangladesh", "region": "SA" }, "IDN": { "name": "Indonesia", "region": "EAP" }, "JOR": { "name": "Jordan", "region": "MENAAP" }, "SDN": { "name": "Sudan", "region": "SSA" }, "AUS": { "name": "Australia", "region": "" }, "FJI": { "name": "Fiji", "region": "EAP" }, "SOM": { "name": "Somalia", "region": "SSA" }, "ZWE": { "name": "Zimbabwe", "region": "SSA" }, "CHN": { "name": "China", "region": "EAP" }, "LBN": { "name": "Lebanon", "region": "MENAAP" }, "MYS": { "name": "Malaysia", "region": "EAP" }, "THA": { "name": "Thailand", "region": "EAP" }, "TON": { "name": "Tonga", "region": "EAP" }, "VNM": { "name": "Vietnam", "region": "EAP" }, "VUT": { "name": "Vanuatu", "region": "EAP" }, "WSM": { "name": "Samoa", "region": "EAP" }, "AUT": { "name": "Austria", "region": "" }, "BIH": { "name": "Bosnia and Herzegovina", "region": "ECA" }, "HRV": { "name": "Croatia", "region": "" }, "HUN": { "name": "Hungary", "region": "ECA" }, "SRB": { "name": "Serbia", "region": "ECA" }, "TUR": { "name": "Türkiye", "region": "" }, "KSV": { "name": "Kosovo", "region": "ECA" }, "BEL": { "name": "Belgium", "region": "" }, "COD": { "name": "DR Congo", "region": "SSA" }, "MAR": { "name": "Morocco", "region": "MENAAP" }, "DZA": { "name": "Algeria", "region": "MENAAP" }, "BHR": { "name": "Bahrain", "region": "" }, "BRA": { "name": "Brazil", "region": "LAC" }, "BOL": { "name": "Bolivia", "region": "LAC" }, "PER": { "name": "Peru", "region": "LAC" }, "PRY": { "name": "Paraguay", "region": "LAC" }, "CAN": { "name": "Canada", "region": "" }, "KEN": { "name": "Kenya", "region": "SSA" }, "NGA": { "name": "Nigeria", "region": "SSA" }, "JAM": { "name": "Jamaica", "region": "LAC" }, "RWA": { "name": "Rwanda", "region": "SSA" }, "GHA": { "name": "Ghana", "region": "SSA" }, "GUY": { "name": "Guyana", "region": "LAC" }, "HTI": { "name": "Haiti", "region": "LAC" }, "CHE": { "name": "Switzerland", "region": "" }, "ALB": { "name": "Albania", "region": "ECA" }, "CHL": { "name": "Chile", "region": "" }, "CIV": { "name": "Côte d'Ivoire", "region": "SSA" }, "MLI": { "name": "Mali", "region": "SSA" }, "CMR": { "name": "Cameroon", "region": "SSA" }, "CRI": { "name": "Costa Rica", "region": "LAC" }, "NIC": { "name": "Nicaragua", "region": "LAC" }, "CZE": { "name": "Czechia", "region": "" }, "UKR": { "name": "Ukraine", "region": "ECA" }, "DEU": { "name": "Germany", "region": "" }, "BGR": { "name": "Bulgaria", "region": "ECA" }, "MDA": { "name": "Moldova", "region": "ECA" }, "ROU": { "name": "Romania", "region": "ECA" }, "KGZ": { "name": "Kyrgyzstan", "region": "ECA" }, "TJK": { "name": "Tajikistan", "region": "ECA" }, "TGO": { "name": "Togo", "region": "SSA" }, "AFG": { "name": "Afghanistan", "region": "MENAAP" }, "MKD": { "name": "North Macedonia", "region": "ECA" }, "DOM": { "name": "Dominican Republic", "region": "LAC" }, "ESP": { "name": "Spain", "region": "" }, "HND": { "name": "Honduras", "region": "LAC" }, "COL": { "name": "Colombia", "region": "LAC" }, "ECU": { "name": "Ecuador", "region": "LAC" }, "FRA": { "name": "France", "region": "" }, "TUN": { "name": "Tunisia", "region": "MENAAP" }, "COM": { "name": "Comoros", "region": "SSA" }, "MDG": { "name": "Madagascar", "region": "SSA" }, "SEN": { "name": "Senegal", "region": "" }, "GBR": { "name": "United Kingdom", "region": "" }, "SLE": { "name": "Sierra Leone", "region": "SSA" }, "ETH": { "name": "Ethiopia", "region": "SSA" }, "TZA": { "name": "Tanzania", "region": "SSA" }, "UGA": { "name": "Uganda", "region": "SSA" }, "ZAF": { "name": "South Africa", "region": "" }, "POL": { "name": "Poland", "region": "" }, "ERI": { "name": "Eritrea", "region": "SSA" }, "GMB": { "name": "The Gambia", "region": "SSA" }, "LTU": { "name": "Lithuania", "region": "" }, "ZMB": { "name": "Zambia", "region": "SSA" }, "ISR": { "name": "Israel", "region": "" }, "ITA": { "name": "Italy", "region": "" }, "PSE": { "name": "West Bank and Gaza", "region": "MENAAP" }, "SYR": { "name": "Syria", "region": "MENAAP" }, "JPN": { "name": "Japan", "region": "" }, "KOR": { "name": "South Korea", "region": "" }, "KWT": { "name": "Kuwait", "region": "" }, "MMR": { "name": "Myanmar", "region": "EAP" }, "NLD": { "name": "Netherlands", "region": "" }, "SUR": { "name": "Suriname", "region": "LAC" }, "NOR": { "name": "Norway", "region": "" }, "NZL": { "name": "New Zealand", "region": "" }, "OMN": { "name": "Oman", "region": "" }, "PRT": { "name": "Portugal", "region": "" }, "CPV": { "name": "Cabo Verde", "region": "SSA" }, "MOZ": { "name": "Mozambique", "region": "SSA" }, "QAT": { "name": "Qatar", "region": "" }, "SAU": { "name": "Saudi Arabia", "region": "" }, "SGP": { "name": "Singapore", "region": "" }, "SWE": { "name": "Sweden", "region": "" }, "KHM": { "name": "Cambodia", "region": "EAP" }, "LAO": { "name": "Laos", "region": "EAP" }, "USA": { "name": "United States", "region": "" }, "MEX": { "name": "Mexico", "region": "LAC" }, "SLV": { "name": "El Salvador", "region": "LAC" }, "GTM": { "name": "Guatemala", "region": "LAC" }, "ARM": { "name": "Armenia", "region": "ECA" }, "LBR": { "name": "Liberia", "region": "SSA" }, "PAN": { "name": "Panama", "region": "LAC" }, "CUB": { "name": "Cuba", "region": "LAC" }, "BWA": { "name": "Botswana", "region": "SSA" }, "MWI": { "name": "Malawi", "region": "SSA" }, "LSO": { "name": "Lesotho", "region": "SSA" }, "SWZ": { "name": "Eswatini", "region": "SSA" } }, "intents": { "legMedianPct": 0.38, "legMedianSeconds": 80, "routes": [ { "from": "USDC@base", "to": "USDT@tron", "costPct": 0.38, "seconds": 90 }, { "from": "USDC@eth", "to": "USDT@tron", "costPct": 0.4, "seconds": 102 }, { "from": "USDC@arb", "to": "USDT@tron", "costPct": 0.39, "seconds": 80 }, { "from": "USDC@sol", "to": "USDT@tron", "costPct": 0.38, "seconds": 75 }, { "from": "USDC@base", "to": "USDT@bsc", "costPct": -0.04, "seconds": 38 }, { "from": "USDC@sol", "to": "USDT@bsc", "costPct": -0.04, "seconds": 23 }, { "from": "USDT@tron", "to": "USDT@bsc", "costPct": 0.02, "seconds": 83 }, { "from": "USDC@base", "to": "USDC@sol", "costPct": 0.01, "seconds": 32 }, { "from": "USDT@tron", "to": "USDC@sol", "costPct": 0.07, "seconds": 77 }, { "from": "USDC@pol", "to": "USDT@tron", "costPct": 0.4, "seconds": 90 }, { "from": "USDT@eth", "to": "USDT@tron", "costPct": 0.44, "seconds": 100 } ] }, "ramps": { "on": { "KWD": 1.51, "SAR": 1.87, "AED": 0.34, "QAR": 3.68, "OMR": 1.17, "BHD": 1.86, "USD": 0, "GBP": 0.87, "EUR": -0.11, "JPY": 7.63, "ZAR": 3.62, "AUD": 3.38, "CAD": 1.26, "CHF": 9.71, "NZD": 6.95, "SEK": 17.63, "NOK": 19, "CZK": 3.62, "PLN": 2.03 }, "off": { "PKR": -3.83, "INR": -12.01, "BDT": -4.86, "PHP": 0, "EGP": -3.02, "NPR": -15.73, "LKR": -2.84, "IDR": -0.41, "VND": -1.11, "KES": -0.18, "UGX": -6.84, "TZS": -0.53, "ZMW": -3.47, "MWK": -348.39, "MXN": -0.05, "GTQ": -0.77, "HNL": -1.24, "COP": 0.46, "JOD": -0.99, "MAD": -7.09, "TRY": -2.7, "UAH": -4.15, "CNY": 0.37, "XOF": -7.02, "ZAR": -0.72, "EUR": -3.76, "PEN": -1.36, "DOP": -1.87, "BOB": -0.64, "PYG": 0.03, "CRC": 2.33, "NIO": 2.3, "HTG": -9.49, "XAF": -6.35, "RWF": -1.54, "KHR": -1.07, "DZD": -104.62, "TND": -12.58, "LBP": -0.3, "RSD": 2.35, "ALL": 11.34, "MDL": 0.64, "RON": 3.62, "HUF": 5.04, "PLN": -1.28, "KGS": -1.01, "TJS": -0.99, "AMD": 0.34, "SOS": -6.02, "YER": -582.54, "AFN": -1.83, "BWP": 1.37, "MZN": -17.47, "AOA": -28.46, 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"recvCur": "JMD", "volume": 391000000, "providers": 15, "avg": 5.69, "median": 5.22, "min": 2.1, "digitalAvg": 5.37, "benchmark": 5.22, "benchmarkKind": "median provider", "onRamp": 1.26, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for JMD", "at500": { "benchmark": 4.02, "benchmarkKind": "median provider", "min": 2.1, "providers": 15, "verdict": "untested" } }, { "id": "canrwa", "from": "CAN", "to": "RWA", "sendCur": "CAD", "recvCur": "RWF", "volume": 15000000, "providers": 16, "avg": 5.03, "median": 4.77, "min": 1.94, "digitalAvg": 4.59, "benchmark": 4.59, "benchmarkKind": "online providers", "onRamp": 1.26, "offRamp": -1.54, "offRampPremium": 1.54, "law": "ok", "nearLo": 1.64, "nearHi": 2.64, "verdict": "wins", "keepPer200": 3.91, "beatsCheapest": false, "at500": { "benchmark": 3.73, "benchmarkKind": "online providers", "min": 1.94, "providers": 16, "nearLo": 1.38, "nearHi": 2.38, "verdict": "wins", "keep": 6.74 } }, { "id": "canvnm", "from": "CAN", "to": "VNM", "sendCur": "CAD", "recvCur": "VND", "volume": 798000000, "providers": 19, "avg": 6.2, "median": 4.15, "min": 2.1, "digitalAvg": 4.94, "benchmark": 4.15, "benchmarkKind": "median provider", "onRamp": 1.26, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "nearLo": 1.64, "nearHi": 2.64, "verdict": "wins", "keepPer200": 3.03, "beatsCheapest": false, "at500": { "benchmark": 3.92, "benchmarkKind": "median provider", "min": 1.45, "providers": 19, "nearLo": 1.38, "nearHi": 2.38, "verdict": "wins", "keep": 7.69 } }, { "id": "canzwe", "from": "CAN", "to": "ZWE", "sendCur": "CAD", "recvCur": "ZWG", "volume": 42000000, "providers": 17, "avg": 6.58, "median": 4.33, "min": 2.1, "digitalAvg": 4.8, "benchmark": 4.33, "benchmarkKind": "median provider", "onRamp": 1.26, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for ZWG", "at500": { "benchmark": 3.62, "benchmarkKind": 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"keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.94, "benchmarkKind": "online providers", "min": 0.74, "providers": 32, "nearLo": 1.38, "nearHi": 2.38, "verdict": "close", "keep": 0 } }, { "id": "canpak", "from": "CAN", "to": "PAK", "sendCur": "CAD", "recvCur": "PKR", "volume": 1391000000, "providers": 19, "avg": 4.73, "median": 4.36, "min": 1.28, "digitalAvg": 4.92, "benchmark": 4.36, "benchmarkKind": "median provider", "onRamp": 1.26, "offRamp": -3.83, "offRampPremium": 3.83, "law": "ok", "nearLo": 1.64, "nearHi": 2.64, "verdict": "wins", "keepPer200": 3.45, "beatsCheapest": false, "at500": { "benchmark": 4.01, "benchmarkKind": "median provider", "min": -1.22, "providers": 19, "nearLo": 1.38, "nearHi": 2.38, "verdict": "wins", "keep": 8.14 } }, { "id": "canchn", "from": "CAN", "to": "CHN", "sendCur": "CAD", "recvCur": "CNY", "volume": 2044000000, "providers": 14, "avg": 5.83, "median": 5.58, "min": 1.7, "digitalAvg": 4.41, "benchmark": 4.41, "benchmarkKind": "online 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8.35, "median": 9.09, "min": 4.16, "digitalAvg": 7.77, "benchmark": 7.77, "benchmarkKind": "online providers", "onRamp": 1.26, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for GYD", "at500": { "benchmark": 6.34, "benchmarkKind": "online providers", "min": 2.66, "providers": 10, "verdict": "untested" } }, { "id": "canhti", "from": "CAN", "to": "HTI", "sendCur": "CAD", "recvCur": "HTG", "volume": 236000000, "providers": 13, "avg": 5.78, "median": 5.39, "min": 2.1, "digitalAvg": 4.9, "benchmark": 4.9, "benchmarkKind": "online providers", "onRamp": 1.26, "offRamp": -9.49, "offRampPremium": 9.49, "law": "ok", "nearLo": 1.64, "nearHi": 2.64, "verdict": "wins", "keepPer200": 4.53, "beatsCheapest": false, "at500": { "benchmark": 3.83, "benchmarkKind": "online providers", "min": 2.1, "providers": 13, "nearLo": 1.38, "nearHi": 2.38, "verdict": "wins", "keep": 7.24 } }, { "id": "canlbn", "from": "CAN", "to": "LBN", "sendCur": "CAD", "recvCur": "LBP", "volume": 705000000, "providers": 8, "avg": 9.43, "median": 6.05, "min": 2.1, "digitalAvg": 5.83, "benchmark": 5.83, "benchmarkKind": "online providers", "onRamp": 1.26, "offRamp": -0.3, "offRampPremium": 0.3, "law": "ok", "nearLo": 1.64, "nearHi": 2.64, "verdict": "wins", "keepPer200": 6.39, "beatsCheapest": false, "at500": { "benchmark": 4.04, "benchmarkKind": "median provider", "min": 2.1, "providers": 8, "nearLo": 1.38, "nearHi": 2.38, "verdict": "wins", "keep": 8.29 } }, { "id": "canlka", "from": "CAN", "to": "LKA", "sendCur": "CAD", "recvCur": "LKR", "volume": 569000000, "providers": 9, "avg": 4.75, "median": 5.42, "min": 2.65, "digitalAvg": 4.6, "benchmark": 4.6, "benchmarkKind": "online providers", "onRamp": 1.26, "offRamp": -2.84, "offRampPremium": 2.84, "law": "ok", "nearLo": 1.64, "nearHi": 2.64, "verdict": "wins", "keepPer200": 3.93, "beatsCheapest": true, "at500": { "benchmark": 3.44, "benchmarkKind": "online providers", "min": 0.85, "providers": 9, "nearLo": 1.38, "nearHi": 2.38, "verdict": "wins", "keep": 5.29 } }, { "id": "chelka", "from": "CHE", "to": "LKA", "sendCur": "CHF", "recvCur": "LKR", "volume": 156000000, "providers": 17, "avg": 5.27, "median": 4.79, "min": 2.28, "digitalAvg": 5.07, "benchmark": 4.79, "benchmarkKind": "median provider", "onRamp": 9.71, "offRamp": -2.84, "offRampPremium": 2.84, "law": "ok", "nearLo": 10.08, "nearHi": 11.08, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 3.53, "benchmarkKind": "online providers", "min": 0.81, "providers": 17, "nearLo": 9.83, "nearHi": 10.83, "verdict": "loses", "keep": 0 } }, { "id": "chehun", "from": "CHE", "to": "HUN", "sendCur": "CHF", "recvCur": "HUF", "volume": 209000000, "providers": 13, "avg": 3.81, "median": 3.12, "min": 0.63, "digitalAvg": 3.14, "benchmark": 3.12, "benchmarkKind": "median provider", "onRamp": 9.71, "offRamp": 5.04, "offRampPremium": null, "law": "ok", "nearLo": 15.13, "nearHi": 16.13, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.63, "benchmarkKind": "median provider", "min": 0.63, "providers": 13, "nearLo": 14.87, "nearHi": 15.87, "verdict": "loses", "keep": 0 } }, { "id": "chesrb", "from": "CHE", "to": "SRB", "sendCur": "CHF", "recvCur": "RSD", "volume": 402000000, "providers": 9, "avg": 5.62, "median": 5.78, "min": 3.25, "digitalAvg": 4.85, "benchmark": 4.85, "benchmarkKind": "online providers", "onRamp": 9.71, "offRamp": 2.35, "offRampPremium": null, "law": "ok", "nearLo": 12.43, "nearHi": 13.43, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 3.41, "benchmarkKind": "online providers", "min": 1.76, "providers": 9, "nearLo": 12.18, "nearHi": 13.18, "verdict": "loses", "keep": 0 } }, { "id": "chealb", "from": "CHE", "to": "ALB", "sendCur": "CHF", "recvCur": "ALL", "volume": 9000000, "providers": 7, "avg": 7.11, "median": 7.71, "min": 5.36, "digitalAvg": 6.48, "benchmark": 6.48, "benchmarkKind": "online providers", "onRamp": 9.71, "offRamp": 11.34, "offRampPremium": null, "law": "ok", "nearLo": 21.42, "nearHi": 22.42, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 4.76, "benchmarkKind": "online providers", "min": 3.34, "providers": 7, "nearLo": 21.17, "nearHi": 22.17, "verdict": "loses", "keep": 0 } }, { "id": "cheksv", "from": "CHE", "to": "KSV", "sendCur": "CHF", "recvCur": "EUR", "volume": 322000000, "providers": 11, "avg": 12.87, "median": 8.51, "min": 5.72, "digitalAvg": 9.86, "benchmark": 8.51, "benchmarkKind": "median provider", "onRamp": 9.71, "offRamp": -3.76, "offRampPremium": 3.76, "law": "ok", "nearLo": 10.08, "nearHi": 11.08, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 6.06, "benchmarkKind": "online providers", "min": 3.34, "providers": 11, "nearLo": 9.83, "nearHi": 10.83, "verdict": "loses", "keep": 0 } }, { "id": "chlper", "from": "CHL", "to": "PER", "sendCur": "CLP", "recvCur": "PEN", "volume": 691000000, "providers": 7, "avg": 4.93, "median": 4.62, "min": 4.25, "digitalAvg": null, "benchmark": 4.62, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -1.36, "offRampPremium": 1.36, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for CLP", "at500": { "benchmark": 4.56, "benchmarkKind": "median provider", "min": 3.41, "providers": 7, "verdict": "untested" } }, { "id": "civmli", "from": "CIV", "to": "MLI", "sendCur": "XOF", "recvCur": "XOF", "volume": 285000000, "providers": 7, "avg": 6.17, "median": 3.23, "min": 1.5, "digitalAvg": 1.5, "benchmark": 1.5, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -7.02, "offRampPremium": 7.02, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for XOF", "at500": { "benchmark": 1.5, "benchmarkKind": "online providers", "min": 1.5, "providers": 7, "verdict": "untested" } }, { "id": "cmrnga", "from": "CMR", "to": "NGA", "sendCur": "XAF", "recvCur": "NGN", "volume": 1408000000, "providers": 2, "avg": 4.38, "median": 4.38, "min": 4.13, "digitalAvg": null, "benchmark": 4.38, "benchmarkKind": "median provider", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for XAF", "at500": { "benchmark": 4.36, "benchmarkKind": "median provider", "min": 4.12, "providers": 2, "verdict": "untested" } }, { "id": "crinic", "from": "CRI", "to": "NIC", "sendCur": "CRC", "recvCur": "NIO", "volume": 2250000000, "providers": 9, "avg": 6.86, "median": 2.75, "min": 2.75, "digitalAvg": 5, "benchmark": 2.75, "benchmarkKind": "median provider", "onRamp": null, "offRamp": 2.3, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for CRC", "at500": { "benchmark": 2, "benchmarkKind": "online providers", "min": 2, "providers": 9, "verdict": "untested" } }, { "id": "czeukr", "from": "CZE", "to": "UKR", "sendCur": "CZK", "recvCur": "UAH", "volume": 954000000, "providers": 15, "avg": 6.18, "median": 3.74, "min": 0.8, "digitalAvg": 4.66, "benchmark": 3.74, "benchmarkKind": "median provider", "onRamp": 3.62, "offRamp": -4.15, "offRampPremium": 4.15, "law": "ok", "nearLo": 4, "nearHi": 5, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 3.19, "benchmarkKind": "online providers", "min": 0.8, "providers": 15, "nearLo": 3.74, "nearHi": 4.74, "verdict": "loses", "keep": 0 } }, { "id": "czevnm", "from": "CZE", "to": "VNM", "sendCur": "CZK", "recvCur": "VND", "volume": 157000000, "providers": 16, "avg": 6.36, "median": 4.26, "min": 1.55, "digitalAvg": 4.96, "benchmark": 4.26, "benchmarkKind": "median provider", "onRamp": 3.62, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "nearLo": 4, "nearHi": 5, "verdict": "close", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 3.56, "benchmarkKind": "online providers", "min": 1.02, "providers": 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"benchmarkKind": "online providers", "min": 0, "providers": 25, "verdict": "untested" } }, { "id": "deubih", "from": "DEU", "to": "BIH", "sendCur": "EUR", "recvCur": "BAM", "volume": 594000000, "providers": 22, "avg": 4.9, "median": 4.35, "min": 1.96, "digitalAvg": 3.84, "benchmark": 3.84, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for BAM", "at500": { "benchmark": 2.39, "benchmarkKind": "online providers", "min": 1.13, "providers": 22, "verdict": "untested" } }, { "id": "deugha", "from": "DEU", "to": "GHA", "sendCur": "EUR", "recvCur": "GHS", "volume": 166000000, "providers": 33, "avg": 4.45, "median": 2.9, "min": 0.76, "digitalAvg": 4.08, "benchmark": 2.9, "benchmarkKind": "median provider", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for GHS", "at500": { "benchmark": 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"avg": 15.8, "median": 13.34, "min": 3.76, "digitalAvg": 11.23, "benchmark": 11.23, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -0.64, "offRampPremium": 0.64, "law": "banking-ban", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 19.71, "beatsCheapest": true, "at500": { "benchmark": 9.65, "benchmarkKind": "median provider", "min": 2.49, "providers": 12, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 42.64 } }, { "id": "espbra", "from": "ESP", "to": "BRA", "sendCur": "EUR", "recvCur": "BRL", "volume": 362000000, "providers": 18, "avg": 4.18, "median": 4.14, "min": 0.76, "digitalAvg": 4.29, "benchmark": 4.14, "benchmarkKind": "median provider", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for BRL", "at500": { "benchmark": 2.68, "benchmarkKind": "median provider", "min": 0.76, "providers": 18, "verdict": "untested" } }, { "id": "esphnd", "from": "ESP", 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"benchmarkKind": "median provider", "min": 1.58, "providers": 22, "nearLo": 0.12, "nearHi": 1.12, "verdict": "illegal", "keep": 0 } }, { "id": "espnga", "from": "ESP", "to": "NGA", "sendCur": "EUR", "recvCur": "NGN", "volume": 340000000, "providers": 18, "avg": 2.88, "median": 3.48, "min": 0.71, "digitalAvg": 2.84, "benchmark": 2.84, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for NGN", "at500": { "benchmark": 1.79, "benchmarkKind": "online providers", "min": 0.71, "providers": 18, "verdict": "untested" } }, { "id": "espcol", "from": "ESP", "to": "COL", "sendCur": "EUR", "recvCur": "COP", "volume": 2712000000, "providers": 22, "avg": 5.48, "median": 4.62, "min": 1.69, "digitalAvg": 4.63, "benchmark": 4.62, "benchmarkKind": "median provider", "onRamp": -0.11, "offRamp": 0.46, "offRampPremium": null, "law": "banking-ban", "nearLo": 0.83, "nearHi": 1.83, 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"providers": 38, "avg": 3.33, "median": 3.13, "min": 0.44, "digitalAvg": 3.01, "benchmark": 3.01, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": 0, "offRampPremium": 0, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 1.53, "beatsCheapest": false, "at500": { "benchmark": 1.8, "benchmarkKind": "median provider", "min": 0.44, "providers": 38, "nearLo": 0.99, "nearHi": 1.99, "verdict": "close", "keep": 0 } }, { "id": "gbrtza", "from": "GBR", "to": "TZA", "sendCur": "GBP", "recvCur": "TZS", "volume": 192000000, "providers": 24, "avg": 4.88, "median": 4.32, "min": 1.08, "digitalAvg": 4.24, "benchmark": 4.24, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": -0.53, "offRampPremium": 0.53, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 3.99, "beatsCheapest": false, "at500": { "benchmark": 3.81, "benchmarkKind": "online providers", "min": 1.08, "providers": 24, "nearLo": 0.99, "nearHi": 1.99, "verdict": "wins", "keep": 9.09 } }, { "id": "gbruga", "from": "GBR", "to": "UGA", "sendCur": "GBP", "recvCur": "UGX", "volume": 232000000, "providers": 34, "avg": 4.64, "median": 4.4, "min": 1.27, "digitalAvg": 4.12, "benchmark": 4.12, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": -6.84, "offRampPremium": 6.84, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 3.75, "beatsCheapest": false, "at500": { "benchmark": 3.2, "benchmarkKind": "online providers", "min": 0.92, "providers": 34, "nearLo": 0.99, "nearHi": 1.99, "verdict": "wins", "keep": 6.04 } }, { "id": "gbrvnm", "from": "GBR", "to": "VNM", "sendCur": "GBP", "recvCur": "VND", "volume": 194000000, "providers": 25, "avg": 3.95, "median": 3.22, "min": 0.73, "digitalAvg": 3.38, "benchmark": 3.22, "benchmarkKind": "median provider", "onRamp": 0.87, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 1.95, "beatsCheapest": false, "at500": { "benchmark": 1.73, "benchmarkKind": "median provider", "min": 0.73, "providers": 25, "nearLo": 0.99, "nearHi": 1.99, "verdict": "close", "keep": 0 } }, { "id": "gbrzaf", "from": "GBR", "to": "ZAF", "sendCur": "GBP", "recvCur": "ZAR", "volume": 192000000, "providers": 24, "avg": 6.39, "median": 5.78, "min": 2.07, "digitalAvg": 5.89, "benchmark": 5.78, "benchmarkKind": "median provider", "onRamp": 0.87, "offRamp": -0.72, "offRampPremium": 0.72, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 7.07, "beatsCheapest": false, "at500": { "benchmark": 4.01, "benchmarkKind": "median provider", "min": 1.6, "providers": 24, "nearLo": 0.99, "nearHi": 1.99, "verdict": "wins", "keep": 10.09 } }, { "id": "gbrlbn", "from": "GBR", "to": "LBN", "sendCur": "GBP", "recvCur": "LBP", "volume": 169000000, "providers": 15, "avg": 5.7, "median": 4.96, "min": 1.99, "digitalAvg": 4.35, "benchmark": 4.35, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": -0.3, "offRampPremium": 0.3, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 4.21, "beatsCheapest": false, "at500": { "benchmark": 3.11, "benchmarkKind": "online providers", "min": 0.99, "providers": 15, "nearLo": 0.99, "nearHi": 1.99, "verdict": "wins", "keep": 5.59 } }, { "id": "gbrsom", "from": "GBR", "to": "SOM", "sendCur": "GBP", "recvCur": "SOS", "volume": 195000000, "providers": 17, "avg": 6.7, "median": 6.37, "min": 3.89, "digitalAvg": 5.43, "benchmark": 5.43, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": -6.02, "offRampPremium": 6.02, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 6.37, "beatsCheapest": true, "at500": { "benchmark": 4.69, "benchmarkKind": "online providers", "min": 2.4, "providers": 17, "nearLo": 0.99, "nearHi": 1.99, "verdict": "wins", "keep": 13.49 } }, { "id": "gbrzwe", "from": "GBR", "to": "ZWE", "sendCur": "GBP", "recvCur": "ZWG", "volume": 384000000, "providers": 23, "avg": 5.04, "median": 4.7, "min": 1.63, "digitalAvg": 4.64, "benchmark": 4.64, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for ZWG", "at500": { "benchmark": 3.68, "benchmarkKind": "online providers", "min": 0.14, "providers": 23, "verdict": "untested" } }, { "id": "gbrafg", "from": "GBR", "to": "AFG", "sendCur": "GBP", "recvCur": "AFN", "volume": 6000000, "providers": 3, "avg": 10.56, "median": 8.05, "min": 7.54, "digitalAvg": 7.8, "benchmark": 7.8, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": -1.83, "offRampPremium": 1.83, "law": "illegal", "nearLo": 1.25, "nearHi": 2.25, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 5.55, "benchmarkKind": "median provider", "min": 5.54, "providers": 3, "nearLo": 0.99, "nearHi": 1.99, "verdict": "illegal", "keep": 0 } }, { "id": "gbrpol", "from": "GBR", "to": "POL", "sendCur": "GBP", "recvCur": "PLN", "volume": 1694000000, "providers": 30, "avg": 2.66, "median": 1.75, "min": 0.18, "digitalAvg": 1.77, "benchmark": 1.75, "benchmarkKind": "median provider", "onRamp": 0.87, "offRamp": -1.28, "offRampPremium": 1.28, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "close", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.29, "benchmarkKind": "median provider", "min": 0.18, "providers": 30, "nearLo": 0.99, "nearHi": 1.99, "verdict": "close", "keep": 0 } }, { "id": "gbrrou", "from": "GBR", "to": "ROU", "sendCur": "GBP", "recvCur": "RON", "volume": 1480000000, "providers": 24, "avg": 3.12, "median": 2.84, "min": 0.95, "digitalAvg": 2.65, "benchmark": 2.65, "benchmarkKind": "online providers", "onRamp": 0.87, "offRamp": 3.62, "offRampPremium": null, "law": "ok", "nearLo": 4.86, "nearHi": 5.86, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.51, "benchmarkKind": "median provider", "min": 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"GBP", "recvCur": "THB", "volume": 420000000, "providers": 25, "avg": 5.04, "median": 4.38, "min": 1.64, "digitalAvg": 4.57, "benchmark": 4.38, "benchmarkKind": "median provider", "onRamp": 0.87, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 3.16, "benchmarkKind": "online providers", "min": 1.04, "providers": 25, "verdict": "untested" } }, { "id": "gbrzmb", "from": "GBR", "to": "ZMB", "sendCur": "GBP", "recvCur": "ZMW", "volume": 65000000, "providers": 21, "avg": 4.34, "median": 3.11, "min": 2.28, "digitalAvg": 3.77, "benchmark": 3.11, "benchmarkKind": "median provider", "onRamp": 0.87, "offRamp": -3.47, "offRampPremium": 3.47, "law": "ok", "nearLo": 1.25, "nearHi": 2.25, "verdict": "wins", "keepPer200": 1.73, "beatsCheapest": true, "at500": { "benchmark": 2.11, "benchmarkKind": "median provider", "min": 1.78, "providers": 21, "nearLo": 0.99, "nearHi": 1.99, "verdict": "wins", "keep": 0.59 } }, { "id": "ghanga", "from": "GHA", "to": "NGA", "sendCur": "GHS", "recvCur": "NGN", "volume": 770000000, "providers": 7, "avg": 13.29, "median": 13.74, "min": 12.02, "digitalAvg": 12.82, "benchmark": 12.82, "benchmarkKind": "online providers", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for GHS", "at500": { "benchmark": 9.29, "benchmarkKind": "median provider", "min": 8.74, "providers": 7, "verdict": "untested" } }, { "id": "indlka", "from": "IND", "to": "LKA", "sendCur": "INR", "recvCur": "LKR", "volume": 933000000, "providers": 8, "avg": 6.84, "median": 6.38, "min": 4.37, "digitalAvg": 6.58, "benchmark": 6.38, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -2.84, "offRampPremium": 2.84, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for INR", "at500": { "benchmark": 3.02, "benchmarkKind": "median provider", "min": 2.07, "providers": 8, "verdict": "untested" } }, { "id": "indnpl", "from": "IND", "to": "NPL", "sendCur": "INR", "recvCur": "NPR", "volume": 2062000000, "providers": 21, "avg": 3.14, "median": 1.65, "min": 0.45, "digitalAvg": 5.32, "benchmark": 1.65, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -15.73, "offRampPremium": 15.73, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for INR", "at500": { "benchmark": 0.67, "benchmarkKind": "median provider", "min": 0.22, "providers": 21, "verdict": "untested" } }, { "id": "isrmar", "from": "ISR", "to": "MAR", "sendCur": "ILS", "recvCur": "MAD", "volume": 735000000, "providers": 3, "avg": 13.13, "median": 13.47, "min": 8.93, "digitalAvg": null, "benchmark": 13.47, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -7.09, "offRampPremium": 7.09, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for ILS", "at500": { "benchmark": 6.73, "benchmarkKind": "median 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0.75, "providers": 17, "nearLo": 11.46, "nearHi": 12.46, "verdict": "loses", "keep": 0 } }, { "id": "itaksv", "from": "ITA", "to": "KSV", "sendCur": "EUR", "recvCur": "EUR", "volume": 135000000, "providers": 8, "avg": 12.6, "median": 5.14, "min": 2.85, "digitalAvg": 3.03, "benchmark": 3.03, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -3.76, "offRampPremium": 3.76, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 3.31, "beatsCheapest": true, "at500": { "benchmark": 1.84, "benchmarkKind": "online providers", "min": 1.5, "providers": 8, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 3.59 } }, { "id": "itasrb", "from": "ITA", "to": "SRB", "sendCur": "EUR", "recvCur": "RSD", "volume": 197000000, "providers": 12, "avg": 16.25, "median": 11.01, "min": 2.85, "digitalAvg": 3.21, "benchmark": 3.21, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": 2.35, "offRampPremium": null, "law": "ok", "nearLo": 2.72, "nearHi": 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"providers": 25, "avg": 3.33, "median": 3.36, "min": 2.83, "digitalAvg": 3.2, "benchmark": 3.2, "benchmarkKind": "online providers", "onRamp": 1.51, "offRamp": -3.02, "offRampPremium": 3.02, "law": "illegal", "nearLo": 1.89, "nearHi": 2.89, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 1.91, "benchmarkKind": "online providers", "min": 1.52, "providers": 25, "nearLo": 1.63, "nearHi": 2.63, "verdict": "illegal", "keep": 0 } }, { "id": "kwtind", "from": "KWT", "to": "IND", "sendCur": "KWD", "recvCur": "INR", "volume": 9928000000, "providers": 30, "avg": 2.37, "median": 2.42, "min": 1.65, "digitalAvg": 2.26, "benchmark": 2.26, "benchmarkKind": "online providers", "onRamp": 1.51, "offRamp": -12.01, "offRampPremium": 12.01, "law": "ok", "nearLo": 1.89, "nearHi": 2.89, "verdict": "close", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.26, "benchmarkKind": "online providers", "min": 0.87, "providers": 30, "nearLo": 1.63, "nearHi": 2.63, "verdict": "loses", "keep": 0 } }, { "id": "kwtjor", "from": "KWT", "to": "JOR", "sendCur": "KWD", "recvCur": "JOD", "volume": 329000000, "providers": 22, "avg": 3.89, "median": 3.62, "min": 2.73, "digitalAvg": 4.48, "benchmark": 3.62, "benchmarkKind": "median provider", "onRamp": 1.51, "offRamp": -0.99, "offRampPremium": 0.99, "law": "banking-ban", "nearLo": 1.89, "nearHi": 2.89, "verdict": "wins", "keepPer200": 1.46, "beatsCheapest": false, "at500": { "benchmark": 2.04, "benchmarkKind": "median provider", "min": 1.42, "providers": 22, "nearLo": 1.63, "nearHi": 2.63, "verdict": "close", "keep": 0 } }, { "id": "kwtpak", "from": "KWT", "to": "PAK", "sendCur": "KWD", "recvCur": "PKR", "volume": 1964000000, "providers": 21, "avg": 0.35, "median": -0.39, "min": -1.49, "digitalAvg": 0.98, "benchmark": -0.39, "benchmarkKind": "median provider", "onRamp": 1.51, "offRamp": -3.83, "offRampPremium": 3.83, "law": "ok", "nearLo": 1.89, "nearHi": 2.89, "verdict": "loses", 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"onRamp": null, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 1.77, "benchmarkKind": "online providers", "min": 1.07, "providers": 16, "verdict": "untested" } }, { "id": "mysbgd", "from": "MYS", "to": "BGD", "sendCur": "MYR", "recvCur": "BDT", "volume": 850000000, "providers": 30, "avg": 7.51, "median": 6.41, "min": 5.05, "digitalAvg": 6.59, "benchmark": 6.41, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -4.86, "offRampPremium": 4.86, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 5.48, "benchmarkKind": "median provider", "min": 4.19, "providers": 30, "verdict": "untested" } }, { "id": "mysidn", "from": "MYS", "to": "IDN", "sendCur": "MYR", "recvCur": "IDR", "volume": 7351000000, "providers": 36, "avg": 4.8, "median": 3.4, "min": 1.29, "digitalAvg": 3.98, "benchmark": 3.4, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -0.41, "offRampPremium": 0.41, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 2.07, "benchmarkKind": "median provider", "min": 0.55, "providers": 36, "verdict": "untested" } }, { "id": "mysind", "from": "MYS", "to": "IND", "sendCur": "MYR", "recvCur": "INR", "volume": 1039000000, "providers": 17, "avg": 3.33, "median": 2.08, "min": 1.24, "digitalAvg": 2.92, "benchmark": 2.08, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -12.01, "offRampPremium": 12.01, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 1.15, "benchmarkKind": "median provider", "min": 0.78, "providers": 17, "verdict": "untested" } }, { "id": "mysnpl", "from": "MYS", "to": "NPL", "sendCur": "MYR", "recvCur": "NPR", "volume": 1914000000, "providers": 14, "avg": 2.76, "median": 2.31, "min": 1.92, "digitalAvg": 2.86, "benchmark": 2.31, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -15.73, "offRampPremium": 15.73, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 1.64, "benchmarkKind": "median provider", "min": 1.06, "providers": 14, "verdict": "untested" } }, { "id": "mysphl", "from": "MYS", "to": "PHL", "sendCur": "MYR", "recvCur": "PHP", "volume": 1385000000, "providers": 37, "avg": 3.92, "median": 2.75, "min": 1.27, "digitalAvg": 2.75, "benchmark": 2.75, "benchmarkKind": "median provider", "onRamp": null, "offRamp": 0, "offRampPremium": 0, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 1.37, "benchmarkKind": "median provider", "min": 0.74, "providers": 37, "verdict": "untested" } }, { "id": "mystha", "from": "MYS", "to": "THA", "sendCur": "MYR", "recvCur": "THB", "volume": 505000000, "providers": 14, "avg": 4.67, "median": 4.04, "min": 2.17, "digitalAvg": 3.76, "benchmark": 3.76, "benchmarkKind": "online providers", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 2.87, "benchmarkKind": "online providers", "min": 1.39, "providers": 14, "verdict": "untested" } }, { "id": "mysmmr", "from": "MYS", "to": "MMR", "sendCur": "MYR", "recvCur": "MMK", "volume": 86000000, "providers": 7, "avg": 0.24, "median": 0.27, "min": -0.05, "digitalAvg": 0.2, "benchmark": 0.2, "benchmarkKind": "online providers", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": -0.73, "benchmarkKind": "online providers", "min": -1.14, "providers": 7, "verdict": "untested" } }, { "id": "myschn", "from": "MYS", "to": "CHN", "sendCur": "MYR", "recvCur": "CNY", "volume": 81000000, "providers": 11, "avg": 4.69, "median": 5.22, "min": 2.43, "digitalAvg": 4.88, "benchmark": 4.88, "benchmarkKind": "online providers", "onRamp": null, "offRamp": 0.37, "offRampPremium": null, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for MYR", "at500": { "benchmark": 2.88, "benchmarkKind": "online providers", "min": 1.24, "providers": 11, "verdict": "untested" } }, { "id": "nldnga", "from": "NLD", "to": "NGA", "sendCur": "EUR", "recvCur": "NGN", "volume": 139000000, "providers": 21, "avg": 2.84, "median": 3.54, "min": 0.25, "digitalAvg": 2.66, "benchmark": 2.66, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for NGN", "at500": { "benchmark": 1.79, "benchmarkKind": "online providers", "min": 0.25, "providers": 21, "verdict": "untested" } }, { "id": "nlddom", "from": "NLD", "to": "DOM", "sendCur": "EUR", "recvCur": "DOP", "volume": 64000000, "providers": 29, "avg": 4.91, "median": 4.23, "min": 1.84, "digitalAvg": 3.65, "benchmark": 3.65, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -1.87, "offRampPremium": 1.87, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 4.55, "beatsCheapest": true, "at500": { "benchmark": 2.55, "benchmarkKind": "online providers", "min": 1.42, "providers": 29, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 7.14 } }, { "id": "nldgha", "from": "NLD", "to": "GHA", "sendCur": "EUR", "recvCur": "GHS", "volume": 54000000, "providers": 30, "avg": 5.04, "median": 5.15, "min": 0.68, "digitalAvg": 3.44, "benchmark": 3.44, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for GHS", "at500": { "benchmark": 2.86, "benchmarkKind": "online providers", "min": 0.68, "providers": 30, "verdict": "untested" } }, { "id": "nldidn", "from": "NLD", "to": "IDN", "sendCur": "EUR", "recvCur": "IDR", "volume": 455000000, "providers": 23, "avg": 4.29, "median": 3.25, "min": 2.32, "digitalAvg": 3.12, "benchmark": 3.12, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -0.41, "offRampPremium": 0.41, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 3.49, "beatsCheapest": true, "at500": { "benchmark": 2.2, "benchmarkKind": "online providers", "min": 1.72, "providers": 23, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 5.39 } }, { "id": "nldtur", "from": "NLD", "to": "TUR", "sendCur": "EUR", "recvCur": "TRY", "volume": 70000000, "providers": 23, "avg": 8.14, "median": 5, "min": 2.5, "digitalAvg": 4.26, "benchmark": 4.26, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -2.7, "offRampPremium": 2.7, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 5.77, "beatsCheapest": true, "at500": { "benchmark": 2.79, "benchmarkKind": "online providers", "min": 1.66, "providers": 23, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 8.34 } }, { "id": "nldmar", "from": "NLD", "to": "MAR", "sendCur": "EUR", "recvCur": "MAD", "volume": 615000000, "providers": 25, "avg": 5.57, "median": 4.21, "min": 0.98, "digitalAvg": 4.01, "benchmark": 4.01, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -7.09, "offRampPremium": 7.09, "law": "illegal", "nearLo": 0.38, "nearHi": 1.38, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 3.06, "benchmarkKind": "online providers", "min": -0.35, "providers": 25, "nearLo": 0.12, "nearHi": 1.12, "verdict": "illegal", "keep": 0 } }, { "id": "nldsur", "from": "NLD", "to": "SUR", "sendCur": "EUR", "recvCur": "SRD", "volume": 116000000, "providers": 15, "avg": 8.86, "median": 5.68, "min": 3.84, "digitalAvg": 6.63, "benchmark": 5.68, "benchmarkKind": "median provider", "onRamp": -0.11, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for SRD", "at500": { "benchmark": 3.61, "benchmarkKind": "median provider", "min": 2.15, "providers": 15, "verdict": "untested" } }, { "id": "nldsom", "from": "NLD", "to": "SOM", "sendCur": "EUR", "recvCur": "SOS", "volume": 52000000, "providers": 9, "avg": 6.09, "median": 6.92, "min": 4.28, "digitalAvg": 6.09, "benchmark": 6.09, "benchmarkKind": "online providers", "onRamp": -0.11, "offRamp": -6.02, "offRampPremium": 6.02, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 9.43, "beatsCheapest": true, "at500": { "benchmark": 5.81, "benchmarkKind": "online providers", "min": 3.44, "providers": 9, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 23.44 } }, { "id": "norpak", "from": "NOR", "to": "PAK", "sendCur": "NOK", "recvCur": "PKR", "volume": 151000000, "providers": 41, "avg": 3.12, "median": 2.07, "min": 0.7, "digitalAvg": 2.39, "benchmark": 2.07, "benchmarkKind": "median provider", "onRamp": 19, "offRamp": -3.83, "offRampPremium": 3.83, "law": "ok", "nearLo": 19.38, "nearHi": 20.38, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.74, "benchmarkKind": "online providers", "min": -1.09, "providers": 38, "nearLo": 19.12, "nearHi": 20.12, "verdict": "loses", "keep": 0 } }, { "id": "norpol", "from": "NOR", "to": "POL", "sendCur": "NOK", "recvCur": "PLN", "volume": 217000000, "providers": 31, "avg": 4.06, "median": 3.41, "min": -0.01, "digitalAvg": 3, "benchmark": 3, "benchmarkKind": "online providers", "onRamp": 19, "offRamp": -1.28, "offRampPremium": 1.28, "law": "ok", "nearLo": 19.38, "nearHi": 20.38, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1.97, "benchmarkKind": "online providers", "min": -0.01, "providers": 31, "nearLo": 19.12, "nearHi": 20.12, "verdict": "loses", "keep": 0 } }, { "id": "nzlchn", "from": "NZL", "to": "CHN", "sendCur": "NZD", "recvCur": "CNY", "volume": 399000000, "providers": 28, "avg": 3.5, "median": 3.92, "min": 1, "digitalAvg": 3.22, "benchmark": 3.22, "benchmarkKind": "online providers", "onRamp": 6.95, "offRamp": 0.37, "offRampPremium": null, "law": "illegal", "nearLo": 7.7, "nearHi": 8.7, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 2.22, "benchmarkKind": "online providers", "min": 0.27, "providers": 28, "nearLo": 7.44, "nearHi": 8.44, "verdict": "illegal", "keep": 0 } }, { "id": "nzlton", "from": "NZL", "to": "TON", "sendCur": "NZD", "recvCur": "TOP", "volume": 99000000, "providers": 27, "avg": 7.89, "median": 6.2, "min": 2.77, "digitalAvg": 6.4, "benchmark": 6.2, "benchmarkKind": "median provider", "onRamp": 6.95, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for TOP", "at500": { "benchmark": 4.62, "benchmarkKind": "median provider", "min": 1.62, "providers": 27, "verdict": "untested" } }, { "id": "nzlwsm", "from": "NZL", "to": "WSM", "sendCur": "NZD", "recvCur": "WST", "volume": 129000000, "providers": 34, "avg": 6.66, "median": 6.6, "min": 0.74, "digitalAvg": 5.97, "benchmark": 5.97, "benchmarkKind": "online providers", "onRamp": 6.95, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for WST", "at500": { "benchmark": 4.87, "benchmarkKind": "online providers", "min": -0.41, "providers": 34, "verdict": "untested" } }, { "id": "nzlfji", "from": "NZL", "to": "FJI", "sendCur": "NZD", "recvCur": "FJD", "volume": 132000000, "providers": 32, "avg": 6.5, "median": 4.79, "min": 2.37, "digitalAvg": 4.24, "benchmark": 4.24, "benchmarkKind": "online providers", "onRamp": 6.95, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for FJD", "at500": { "benchmark": 3.15, "benchmarkKind": "online providers", "min": 1.22, "providers": 32, "verdict": "untested" } }, { "id": "nzlvut", "from": "NZL", "to": "VUT", "sendCur": "NZD", "recvCur": "VUV", "volume": null, "providers": 14, "avg": 11.22, "median": 9.55, "min": 6.54, "digitalAvg": 9.3, "benchmark": 9.3, "benchmarkKind": "online providers", "onRamp": 6.95, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for VUV", "at500": { "benchmark": 7.87, "benchmarkKind": "online providers", "min": 5.39, "providers": 14, "verdict": "untested" } }, { "id": "nzlvnm", "from": "NZL", "to": "VNM", "sendCur": "NZD", "recvCur": "VND", "volume": 58000000, "providers": 28, "avg": 6.59, "median": 5.74, "min": 1.39, "digitalAvg": 4.87, "benchmark": 4.87, "benchmarkKind": "online providers", "onRamp": 6.95, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "nearLo": 7.33, "nearHi": 8.33, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 3.59, "benchmarkKind": "online providers", "min": 0.87, "providers": 28, "nearLo": 7.07, "nearHi": 8.07, "verdict": "loses", "keep": 0 } }, { "id": "nzlphl", "from": "NZL", "to": "PHL", "sendCur": "NZD", "recvCur": "PHP", "volume": 613000000, "providers": 29, "avg": 4.05, "median": 1.5, "min": 0.34, "digitalAvg": 2.19, "benchmark": 1.5, "benchmarkKind": "median provider", "onRamp": 6.95, "offRamp": 0, "offRampPremium": 0, "law": "ok", "nearLo": 7.33, "nearHi": 8.33, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 1, "benchmarkKind": "median provider", "min": 0.3, "providers": 29, "nearLo": 7.07, "nearHi": 8.07, "verdict": "loses", "keep": 0 } }, { "id": "nzlind", "from": "NZL", "to": "IND", "sendCur": "NZD", "recvCur": "INR", "volume": 1179000000, "providers": 33, "avg": 4.68, "median": 3.36, "min": 0.47, "digitalAvg": 2.91, "benchmark": 2.91, "benchmarkKind": "online providers", "onRamp": 6.95, "offRamp": -12.01, "offRampPremium": 12.01, "law": "ok", "nearLo": 7.33, "nearHi": 8.33, "verdict": "loses", "keepPer200": 0, 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"from": "SAU", "to": "LBN", "sendCur": "SAR", "recvCur": "LBP", "volume": 402000000, "providers": 2, "avg": 5.57, "median": 5.57, "min": 5.52, "digitalAvg": 5.52, "benchmark": 5.52, "benchmarkKind": "online providers", "onRamp": 1.87, "offRamp": -0.3, "offRampPremium": 0.3, "law": "banking-ban", "nearLo": 2.24, "nearHi": 3.24, "verdict": "wins", "keepPer200": 4.55, "beatsCheapest": true, "at500": { "benchmark": 3.68, "benchmarkKind": "online providers", "min": 3.68, "providers": 2, "nearLo": 1.99, "nearHi": 2.99, "verdict": "wins", "keep": 3.44 } }, { "id": "sausdn", "from": "SAU", "to": "SDN", "sendCur": "SAR", "recvCur": "SDG", "volume": 342000000, "providers": 3, "avg": 13.44, "median": 4.75, "min": 3.21, "digitalAvg": 18.55, "benchmark": 4.75, "benchmarkKind": "median provider", "onRamp": 1.87, "offRamp": -2201.23, "offRampPremium": 2201.23, "law": "banking-ban", "nearLo": 2.24, "nearHi": 3.24, "verdict": "wins", "keepPer200": 3.01, "beatsCheapest": false, "at500": { "benchmark": 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"law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for SSP", "at500": { "benchmark": 3.27, "benchmarkKind": "median provider", "min": 3.27, "providers": 1, "verdict": "untested" } }, { "id": "senmli", "from": "SEN", "to": "MLI", "sendCur": "XOF", "recvCur": "XOF", "volume": 28000000, "providers": 6, "avg": 25.7, "median": 27.96, "min": 1.5, "digitalAvg": 1.5, "benchmark": 1.5, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -7.02, "offRampPremium": 7.02, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for XOF", "at500": { "benchmark": 1.5, "benchmarkKind": "online providers", "min": 1.5, "providers": 6, "verdict": "untested" } }, { "id": "sgpchn", "from": "SGP", "to": "CHN", "sendCur": "SGD", "recvCur": "CNY", "volume": 1554000000, "providers": 14, "avg": 5.14, "median": 4.81, "min": 1.05, "digitalAvg": 5, "benchmark": 4.81, "benchmarkKind": "median provider", "onRamp": null, "offRamp": 0.37, "offRampPremium": null, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for SGD", "at500": { "benchmark": 3.42, "benchmarkKind": "median provider", "min": 1.05, "providers": 14, "verdict": "untested" } }, { "id": "sgpind", "from": "SGP", "to": "IND", "sendCur": "SGD", "recvCur": "INR", "volume": 3483000000, "providers": 28, "avg": 2.92, "median": 2.72, "min": 0.5, "digitalAvg": 3.29, "benchmark": 2.72, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -12.01, "offRampPremium": 12.01, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for SGD", "at500": { "benchmark": 1.69, "benchmarkKind": "median provider", "min": 0.5, "providers": 28, "verdict": "untested" } }, { "id": "sgpbgd", "from": "SGP", "to": "BGD", "sendCur": "SGD", "recvCur": "BDT", "volume": 159000000, "providers": 23, "avg": 6.54, "median": 6.14, "min": 3.37, "digitalAvg": 7.34, "benchmark": 6.14, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -4.86, "offRampPremium": 4.86, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for SGD", "at500": { "benchmark": 5.61, "benchmarkKind": "median provider", "min": 2.23, "providers": 23, "verdict": "untested" } }, { "id": "sgplka", "from": "SGP", "to": "LKA", "sendCur": "SGD", "recvCur": "LKR", "volume": 26000000, "providers": 15, "avg": 3.9, "median": 4.03, "min": 0.94, "digitalAvg": 3.92, "benchmark": 3.92, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -2.84, "offRampPremium": 2.84, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for SGD", "at500": { "benchmark": 2.9, "benchmarkKind": "median provider", "min": 0.92, "providers": 15, "verdict": "untested" } }, { "id": "sgpmys", "from": "SGP", "to": "MYS", "sendCur": "SGD", "recvCur": "MYR", "volume": 1005000000, "providers": 30, "avg": 4.59, "median": 4.41, "min": 0.65, "digitalAvg": 3.21, "benchmark": 3.21, "benchmarkKind": "online providers", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for SGD", "at500": { "benchmark": 2.4, "benchmarkKind": "median provider", "min": 0.45, "providers": 30, "verdict": "untested" } }, { "id": "sgppak", "from": "SGP", "to": "PAK", "sendCur": "SGD", "recvCur": "PKR", "volume": 444000000, "providers": 12, "avg": 3.26, "median": 1.52, "min": 1.26, "digitalAvg": 2.45, "benchmark": 1.52, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -3.83, "offRampPremium": 3.83, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for SGD", "at500": { "benchmark": 1.52, "benchmarkKind": "median provider", "min": 0.88, "providers": 12, "verdict": "untested" } }, { "id": "sgpphl", "from": "SGP", "to": "PHL", "sendCur": "SGD", "recvCur": "PHP", "volume": 51000000, "providers": 38, "avg": 3.16, "median": 2.32, "min": 0.76, "digitalAvg": 3.92, "benchmark": 2.32, "benchmarkKind": "median 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7.29, "median": 2.92, "min": 0.72, "digitalAvg": 4.08, "benchmark": 2.92, "benchmarkKind": "median provider", "onRamp": 17.63, "offRamp": -12.01, "offRampPremium": 12.01, "law": "ok", "nearLo": 18.01, "nearHi": 19.01, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 2.1, "benchmarkKind": "median provider", "min": 0.72, "providers": 25, "nearLo": 17.75, "nearHi": 18.75, "verdict": "loses", "keep": 0 } }, { "id": "swelbn", "from": "SWE", "to": "LBN", "sendCur": "SEK", "recvCur": "LBP", "volume": 232000000, "providers": 8, "avg": 5.31, "median": 4.67, "min": 3.56, "digitalAvg": 5.31, "benchmark": 4.67, "benchmarkKind": "median provider", "onRamp": 17.63, "offRamp": -0.3, "offRampPremium": 0.3, "law": "ok", "nearLo": 18.01, "nearHi": 19.01, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 3.99, "benchmarkKind": "median provider", "min": 2.14, "providers": 8, "nearLo": 17.75, "nearHi": 18.75, "verdict": "loses", "keep": 0 } }, { "id": "swesom", "from": "SWE", "to": "SOM", "sendCur": "SEK", "recvCur": "SOS", "volume": 129000000, "providers": 9, "avg": 6.79, "median": 7.26, "min": 5.84, "digitalAvg": 6.79, "benchmark": 6.79, "benchmarkKind": "online providers", "onRamp": 17.63, "offRamp": -6.02, "offRampPremium": 6.02, "law": "ok", "nearLo": 18.01, "nearHi": 19.01, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 6.44, "benchmarkKind": "online providers", "min": 4.8, "providers": 9, "nearLo": 17.75, "nearHi": 18.75, "verdict": "loses", "keep": 0 } }, { "id": "thachn", "from": "THA", "to": "CHN", "sendCur": "THB", "recvCur": "CNY", "volume": 224000000, "providers": 17, "avg": 12.78, "median": 17.23, "min": 2.51, "digitalAvg": 8.94, "benchmark": 8.94, "benchmarkKind": "online providers", "onRamp": null, "offRamp": 0.37, "offRampPremium": null, "law": "illegal", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 5.75, "benchmarkKind": "online providers", "min": 2.37, "providers": 17, "verdict": "untested" } }, { "id": "thaidn", "from": "THA", "to": "IDN", "sendCur": "THB", "recvCur": "IDR", "volume": 2000000, "providers": 16, "avg": 12.81, "median": 12.47, "min": 2.45, "digitalAvg": 9.1, "benchmark": 9.1, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -0.41, "offRampPremium": 0.41, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 6.12, "benchmarkKind": "median provider", "min": 2.31, "providers": 16, "verdict": "untested" } }, { "id": "thaind", "from": "THA", "to": "IND", "sendCur": "THB", "recvCur": "INR", "volume": 403000000, "providers": 21, "avg": 12.59, "median": 11.76, "min": 0.72, "digitalAvg": 10.34, "benchmark": 10.34, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -12.01, "offRampPremium": 12.01, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 6.4, "benchmarkKind": "online providers", "min": 0.58, "providers": 21, "verdict": "untested" } }, { "id": "thakhm", "from": "THA", "to": "KHM", "sendCur": "THB", "recvCur": "KHR", "volume": 1202000000, "providers": 22, "avg": 9.87, "median": 5.1, "min": 2.5, "digitalAvg": 8.38, "benchmark": 5.1, "benchmarkKind": "median provider", "onRamp": null, "offRamp": -1.07, "offRampPremium": 1.07, "law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 4.52, "benchmarkKind": "median provider", "min": 1.43, "providers": 22, "verdict": "untested" } }, { "id": "thalao", "from": "THA", "to": "LAO", "sendCur": "THB", "recvCur": "LAK", "volume": 97000000, "providers": 16, "avg": 11.49, "median": 15.52, "min": 2.74, "digitalAvg": 10.66, "benchmark": 10.66, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -1.92, "offRampPremium": 1.92, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 6.05, "benchmarkKind": "online providers", "min": 2.29, "providers": 16, "verdict": "untested" } }, { "id": "thammr", "from": "THA", "to": "MMR", "sendCur": "THB", "recvCur": "MMK", "volume": 437000000, "providers": 14, "avg": 10.38, "median": 14.83, "min": -0.89, "digitalAvg": 8.05, "benchmark": 8.05, "benchmarkKind": "online providers", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 3.66, "benchmarkKind": "online providers", "min": -1.03, "providers": 14, "verdict": "untested" } }, { "id": "thavnm", "from": "THA", "to": "VNM", "sendCur": "THB", "recvCur": "VND", "volume": 76000000, "providers": 22, "avg": 11.33, "median": 12.32, "min": 2.3, "digitalAvg": 9.68, "benchmark": 9.68, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 6.31, "benchmarkKind": "online providers", "min": 2.16, "providers": 22, "verdict": "untested" } }, { "id": "turbgr", "from": "TUR", "to": "BGR", "sendCur": "TRY", "recvCur": "BGN", "volume": 612000000, "providers": 11, "avg": 118.19, "median": 113.63, "min": 13.2, "digitalAvg": 108.3, "benchmark": 108.3, "benchmarkKind": "online providers", "onRamp": null, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for TRY", "at500": { "benchmark": 45.2, "benchmarkKind": "online providers", "min": 9.1, "providers": 11, "verdict": "untested" } }, { "id": "tzaken", "from": "TZA", "to": "KEN", "sendCur": "TZS", "recvCur": "KES", "volume": 161000000, "providers": 12, "avg": 59.99, "median": 83.17, "min": 0.72, "digitalAvg": 45.23, "benchmark": 45.23, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -0.18, "offRampPremium": 0.18, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for TZS", "at500": { "benchmark": 25.11, "benchmarkKind": "online providers", "min": 0.72, "providers": 12, "verdict": "untested" } }, { "id": "tzarwa", "from": "TZA", "to": "RWA", "sendCur": "TZS", "recvCur": "RWF", "volume": 0, "providers": 6, "avg": 45.11, "median": 42.61, "min": 7.81, "digitalAvg": 11.39, "benchmark": 11.39, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -1.54, "offRampPremium": 1.54, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for TZS", "at500": { "benchmark": 11.35, "benchmarkKind": "online providers", "min": 4.76, "providers": 6, "verdict": "untested" } }, { "id": "tzauga", "from": "TZA", "to": "UGA", "sendCur": "TZS", "recvCur": "UGX", "volume": 8000000, "providers": 10, "avg": 62.68, "median": 75.07, "min": 1.3, "digitalAvg": 74.24, "benchmark": 74.24, "benchmarkKind": "online providers", "onRamp": null, "offRamp": -6.84, "offRampPremium": 6.84, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for TZS", "at500": { "benchmark": 34.25, "benchmarkKind": "online providers", "min": 1.3, "providers": 10, "verdict": "untested" } }, { "id": "usabgd", "from": "USA", "to": "BGD", "sendCur": "USD", "recvCur": "BDT", "volume": 1216000000, "providers": 24, "avg": 7.61, "median": 7.53, "min": 5.17, "digitalAvg": 7.41, "benchmark": 7.41, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -4.86, "offRampPremium": 4.86, "law": "illegal", "nearLo": 0.38, "nearHi": 1.38, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 6.15, "benchmarkKind": "median provider", "min": 4.87, "providers": 24, "nearLo": 0.12, "nearHi": 1.12, "verdict": "illegal", "keep": 0 } }, { "id": "usacri", "from": "USA", "to": "CRI", "sendCur": "USD", "recvCur": "CRC", "volume": 413000000, "providers": 25, "avg": 5.97, "median": 5.65, "min": 2.83, "digitalAvg": 5.64, "benchmark": 5.64, "benchmarkKind": 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"volume": 6260000000, "providers": 33, "avg": 2.72, "median": 2.47, "min": -0.49, "digitalAvg": 2.15, "benchmark": 2.15, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": null, "offRampPremium": null, "law": "banking-ban", "verdict": "untested", "reason": "No public P2P market observed for NGN", "at500": { "benchmark": 1.36, "benchmarkKind": "median provider", "min": -0.49, "providers": 31, "verdict": "untested" } }, { "id": "usanic", "from": "USA", "to": "NIC", "sendCur": "USD", "recvCur": "NIO", "volume": 1963000000, "providers": 21, "avg": 4.13, "median": 3.97, "min": 1.95, "digitalAvg": 4.05, "benchmark": 3.97, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 2.3, "offRampPremium": null, "law": "ok", "nearLo": 2.67, "nearHi": 3.67, "verdict": "wins", "keepPer200": 0.59, "beatsCheapest": false, "at500": { "benchmark": 1.95, "benchmarkKind": "median provider", "min": 1, "providers": 20, "nearLo": 2.42, "nearHi": 3.42, "verdict": "loses", "keep": 0 } }, { "id": "usaslv", "from": "USA", "to": "SLV", "sendCur": "USD", "recvCur": "USD", "volume": 7459000000, "providers": 46, "avg": 3.5, "median": 3.04, "min": 1, "digitalAvg": 3.28, "benchmark": 3.04, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 0, "offRampPremium": null, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 3.33, "beatsCheapest": false, "at500": { "benchmark": 1.78, "benchmarkKind": "median provider", "min": 0.4, "providers": 44, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 3.29 } }, { "id": "usatha", "from": "USA", "to": "THA", "sendCur": "USD", "recvCur": "THB", "volume": 2290000000, "providers": 27, "avg": 7.47, "median": 6.03, "min": 0.75, "digitalAvg": 5.11, "benchmark": 5.11, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for THB", "at500": { "benchmark": 3.78, "benchmarkKind": "online providers", "min": 0.46, "providers": 26, "verdict": "untested" } }, { "id": "usaukr", "from": "USA", "to": "UKR", "sendCur": "USD", "recvCur": "UAH", "volume": 869000000, "providers": 20, "avg": 4.45, "median": 3.53, "min": 1.1, "digitalAvg": 3.97, "benchmark": 3.53, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": -4.15, "offRampPremium": 4.15, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 4.31, "beatsCheapest": false, "at500": { "benchmark": 2.95, "benchmarkKind": "median provider", "min": 1.1, "providers": 19, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 9.14 } }, { "id": "usavnm", "from": "USA", "to": "VNM", "sendCur": "USD", "recvCur": "VND", "volume": 6735000000, "providers": 35, "avg": 5.27, "median": 5.81, "min": 0, "digitalAvg": 5.19, "benchmark": 5.19, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -1.11, "offRampPremium": 1.11, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 7.63, 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3.58, "benchmark": 3.58, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -1.24, "offRampPremium": 1.24, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 4.41, "beatsCheapest": true, "at500": { "benchmark": 2.61, "benchmarkKind": "median provider", "min": 1.41, "providers": 31, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 7.44 } }, { "id": "usaegy", "from": "USA", "to": "EGY", "sendCur": "USD", "recvCur": "EGP", "volume": 1621000000, "providers": 16, "avg": 5.36, "median": 5.26, "min": 2.77, "digitalAvg": 5.19, "benchmark": 5.19, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -3.02, "offRampPremium": 3.02, "law": "illegal", "nearLo": 0.38, "nearHi": 1.38, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 3.24, "benchmarkKind": "median provider", "min": 1.8, "providers": 16, "nearLo": 0.12, "nearHi": 1.12, "verdict": "illegal", "keep": 0 } }, { "id": "usachn", "from": "USA", "to": "CHN", "sendCur": "USD", "recvCur": "CNY", "volume": 6842000000, "providers": 22, "avg": 6.62, "median": 3.56, "min": 1.85, "digitalAvg": 4.85, "benchmark": 3.56, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 0.37, "offRampPremium": null, "law": "illegal", "nearLo": 0.75, "nearHi": 1.75, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 2.91, "benchmarkKind": "median provider", "min": 1.25, "providers": 22, "nearLo": 0.49, "nearHi": 1.49, "verdict": "illegal", "keep": 0 } }, { "id": "usacol", "from": "USA", "to": "COL", "sendCur": "USD", "recvCur": "COP", "volume": 3380000000, "providers": 39, "avg": 4.96, "median": 4.27, "min": -2.65, "digitalAvg": 5.13, "benchmark": 4.27, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 0.46, "offRampPremium": null, "law": "banking-ban", "nearLo": 0.83, "nearHi": 1.83, "verdict": "wins", "keepPer200": 4.87, "beatsCheapest": false, "at500": { 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"offRampPremium": 12.01, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 2.75, "beatsCheapest": false, "at500": { "benchmark": 1.88, "benchmarkKind": "median provider", "min": -0.53, "providers": 45, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 3.79 } }, { "id": "usaken", "from": "USA", "to": "KEN", "sendCur": "USD", "recvCur": "KES", "volume": 2027000000, "providers": 40, "avg": 4.26, "median": 4.48, "min": -0.29, "digitalAvg": 3.89, "benchmark": 3.89, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -0.18, "offRampPremium": 0.18, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 5.03, "beatsCheapest": false, "at500": { "benchmark": 3.26, "benchmarkKind": "online providers", "min": -1.49, "providers": 39, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 10.69 } }, { "id": "usanpl", "from": "USA", "to": "NPL", "sendCur": "USD", "recvCur": "NPR", "volume": 1224000000, "providers": 22, "avg": 4.41, "median": 4.64, "min": 0.86, "digitalAvg": 4.09, "benchmark": 4.09, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -15.73, "offRampPremium": 15.73, "law": "illegal", "nearLo": 0.38, "nearHi": 1.38, "verdict": "illegal", "reason": "Crypto is illegal at one end of this corridor", "at500": { "benchmark": 2.86, "benchmarkKind": "median provider", "min": 0.86, "providers": 21, "nearLo": 0.12, "nearHi": 1.12, "verdict": "illegal", "keep": 0 } }, { "id": "usapak", "from": "USA", "to": "PAK", "sendCur": "USD", "recvCur": "PKR", "volume": 2611000000, "providers": 25, "avg": 3.81, "median": 2.63, "min": 0.45, "digitalAvg": 3.24, "benchmark": 2.63, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": -3.83, "offRampPremium": 3.83, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 2.51, "beatsCheapest": false, "at500": { "benchmark": 2.51, "benchmarkKind": "median provider", "min": 0.45, "providers": 25, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 6.94 } }, { "id": "usaphl", "from": "USA", "to": "PHL", "sendCur": "USD", "recvCur": "PHP", "volume": 13443000000, "providers": 58, "avg": 4.52, "median": 3.96, "min": 0.58, "digitalAvg": 4.56, "benchmark": 3.96, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 0, "offRampPremium": 0, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 5.17, "beatsCheapest": false, "at500": { "benchmark": 2.86, "benchmarkKind": "median provider", "min": -0.31, "providers": 57, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 8.69 } }, { "id": "usassd", "from": "USA", "to": "SSD", "sendCur": "USD", "recvCur": "SSP", "volume": 0, "providers": 8, "avg": 4.38, "median": 4, "min": 3, "digitalAvg": 3.83, "benchmark": 3.83, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for SSP", "at500": { "benchmark": 3, "benchmarkKind": "median provider", "min": 1.2, "providers": 8, "verdict": "untested" } }, { "id": "usaeth", "from": "USA", "to": "ETH", "sendCur": "USD", "recvCur": "ETB", "volume": 2388000000, "providers": 19, "avg": 3.14, "median": 3, "min": -9.85, "digitalAvg": 1.97, "benchmark": 1.97, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for ETB", "at500": { "benchmark": 1.07, "benchmarkKind": "online providers", "min": -10.47, "providers": 18, "verdict": "untested" } }, { "id": "usahti", "from": "USA", "to": "HTI", "sendCur": "USD", "recvCur": "HTG", "volume": 2016000000, "providers": 16, "avg": 4.7, "median": 5, "min": 1, "digitalAvg": 4.27, "benchmark": 4.27, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -9.49, "offRampPremium": 9.49, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 5.79, "beatsCheapest": false, "at500": { "benchmark": 2.3, "benchmarkKind": "median provider", "min": 0.4, "providers": 16, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 5.89 } }, { "id": "usalbn", "from": "USA", "to": "LBN", "sendCur": "USD", "recvCur": "LBP", "volume": 1164000000, "providers": 16, "avg": 11.28, "median": 6.5, "min": 2.5, "digitalAvg": 6, "benchmark": 6, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": -0.3, "offRampPremium": 0.3, "law": "ok", "nearLo": 0.38, "nearHi": 1.38, "verdict": "wins", "keepPer200": 9.25, "beatsCheapest": true, "at500": { "benchmark": 3.76, "benchmarkKind": "online providers", "min": 1, "providers": 16, "nearLo": 0.12, "nearHi": 1.12, "verdict": "wins", "keep": 13.19 } }, { "id": "usaguy", "from": "USA", "to": "GUY", "sendCur": "USD", "recvCur": "GYD", "volume": 372000000, "providers": 21, "avg": 8.1, "median": 7.35, "min": 3.4, "digitalAvg": 7.84, "benchmark": 7.35, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for GYD", "at500": { "benchmark": 6.25, "benchmarkKind": "median provider", "min": 2.5, "providers": 19, "verdict": "untested" } }, { "id": "usaarm", "from": "USA", "to": "ARM", "sendCur": "USD", "recvCur": "AMD", "volume": 166000000, "providers": 16, "avg": 7.15, "median": 6.95, "min": 4.5, "digitalAvg": 6.97, "benchmark": 6.95, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 0.34, "offRampPremium": null, "law": "ok", "nearLo": 0.72, "nearHi": 1.72, "verdict": "wins", "keepPer200": 10.46, "beatsCheapest": true, "at500": { "benchmark": 4.49, "benchmarkKind": "median provider", "min": 1.8, "providers": 16, "nearLo": 0.46, "nearHi": 1.46, "verdict": "wins", "keep": 15.14 } }, { "id": "usajam", "from": "USA", "to": "JAM", "sendCur": "USD", "recvCur": "JMD", "volume": 2632000000, "providers": 20, "avg": 6.06, "median": 6.36, "min": -2.25, "digitalAvg": 6.06, "benchmark": 6.06, "benchmarkKind": "online 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"digitalAvg": 3.72, "benchmark": 3.72, "benchmarkKind": "online providers", "onRamp": 0, "offRamp": null, "offRampPremium": null, "law": "ok", "verdict": "untested", "reason": "No public P2P market observed for GHS", "at500": { "benchmark": 2.92, "benchmarkKind": "online providers", "min": -0.13, "providers": 30, "verdict": "untested" } }, { "id": "usacpv", "from": "USA", "to": "CPV", "sendCur": "USD", "recvCur": "CVE", "volume": 55000000, "providers": 14, "avg": 8.81, "median": 5.5, "min": 4.22, "digitalAvg": 5.82, "benchmark": 5.5, "benchmarkKind": "median provider", "onRamp": 0, "offRamp": 10.91, "offRampPremium": null, "law": "ok", "nearLo": 11.28, "nearHi": 12.28, "verdict": "loses", "keepPer200": 0, "beatsCheapest": false, "at500": { "benchmark": 4.23, "benchmarkKind": "median provider", "min": 2.8, "providers": 14, "nearLo": 11.03, "nearHi": 12.03, "verdict": "loses", "keep": 0 } }, { "id": "usadom", "from": "USA", "to": "DOM", "sendCur": "USD", "recvCur": "DOP", "volume": 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