PayChina · MW → CN · 2026-10-07

Malawi to China route research: Yellow Card → USDC (ERC-20) → XEROF → China bank

Yellow Card publishes Malawi collection bands and USDC ERC-20 sending network support. This does not establish the actual account FX quote, custodial USDC send fee, XEROF eligibility for a Malawi-incorporated company, or China beneficiary payout price.

The comparison calculator can sort included fees for its three modelled routes. Unknown charges are explicitly excluded and the result is NOT an all-in price, guaranteed lower bound, executable quote or verified cheapest route.

Research status (not a full-route verification): COMPONENTS VERIFIED / END-TO-END ELIGIBILITY CHECK

Published/researched fee description: Yellow Card Malawi bank collection: MWK 3,000 for MWK 1.2m–40m. XEROF China payout: 1.00% brokerage (min USD 200) + 0.25% third-party + USD 50 fiat withdrawal.

FX basis: Stablecoin conversion uses tier-1 liquidity passed through at cost; China CNY payout/settlement is quoted per payment

Published timing: Yellow Card Malawi bank collection: 24–48h; end-to-end China payout ETA not yet verified