Scenario Comparison

Side-by-side comparison under the assumptions you set on the Simulator page. No route is labeled "best" without stating the priority and weights behind that ranking.

Demo — SWIFT wire (exemplo, não é cotação real)

CalculadoQuality: estimated

Estimated total cost

$3,129.56 (1.25%)

Estimated net amount received

R$1,333,800.00

Funds-available window

Sep 7, 2026, 7:52 AM UTC — Sep 7, 2026, 1:52 PM UTC

Window crosses a weekend or a day you marked non-business.

Working capital & liquidity impact

$0.00 · prefunded 0 USD · 0.0 days tied up

Comparative score (this priority)

47 / 100

Cost decomposition

Tarifa fixa$35.00
Tarifa variável$50.00
Custo de intermediários$18.00
Custo do spread de câmbio$3,000.00
Custo de liquidez / pré-funding$0.00
Taxa de rede$0.00
Tarifa de on-ramp$0.00
Tarifa de off-ramp$0.00
Slippage$0.00
Custo operacional interno$18.00
Custo esperado do atraso$8.56
Custo total estimado$3,129.56

Sensitivity — FX spread × expected delay

spread Δ \ atraso Δ (h)-2+0+4+12
-0.50pp$1,877$1,880$1,885$1,897
+0.00pp$3,127$3,130$3,135$3,147
+0.50pp$4,377$4,380$4,385$4,397
+1.00pp$5,627$5,630$5,635$5,647

Sensibilidade calculada a partir das premissas atuais (demo/usuário) — não é previsão.

In plain language

Under these assumptions, this route costs about $3,129.56 in total — most of it from the 1.20% FX spread and the fees added on top of your transfer. Funds take roughly 3–1 hours per leg to move, before any weekend or compliance hold is applied.

Demo — PSP/fintech (exemplo, não é cotação real)

CalculadoQuality: estimated

Estimated total cost

$6,519.20 (2.61%)

Estimated net amount received

R$1,315,067.89

Funds-available window

Sep 6, 2026, 11:52 PM UTC — Sep 7, 2026, 2:52 AM UTC

Window crosses a weekend or a day you marked non-business.

Working capital & liquidity impact

$6.85 · prefunded 50000 USD · 1.0 days tied up

In cash-conversion-cycle terms: this route locks up $50,000.00 of the client's working capital for 1.0 day(s) before it's available to redeploy — that carrying cost is the $6.85 line above, not a fee charged by anyone.

Comparative score (this priority)

45 / 100

Cost decomposition

Tarifa fixa$5.00
Tarifa variável$2,000.00
Custo de intermediários$0.00
Custo do spread de câmbio$4,500.00
Custo de liquidez / pré-funding$6.85
Taxa de rede$0.00
Tarifa de on-ramp$0.00
Tarifa de off-ramp$0.00
Slippage$0.00
Custo operacional interno$4.50
Custo esperado do atraso$2.85
Custo total estimado$6,519.20

Sensitivity — FX spread × expected delay

spread Δ \ atraso Δ (h)-2+0+4+12
-0.50pp$5,266$5,269$5,275$5,286
+0.00pp$6,516$6,519$6,525$6,536
+0.50pp$7,766$7,769$7,775$7,786
+1.00pp$9,016$9,019$9,025$9,036

Sensibilidade calculada a partir das premissas atuais (demo/usuário) — não é previsão.

In plain language

Under these assumptions, this route costs about $6,519.20 in total — most of it from the 1.80% FX spread and the fees deducted from the principal before conversion. Funds take roughly 1–0.5 hours per leg to move, before any weekend or compliance hold is applied.

Demo — Wire + stablecoin híbrido (exemplo, não é cotação real)

CalculadoQuality: estimated

Estimated total cost

$2,720.14 (1.09%)

Estimated net amount received

R$1,339,618.77

Funds-available window

Sep 6, 2026, 9:52 PM UTC — Sep 6, 2026, 11:52 PM UTC

Window crosses a weekend or a day you marked non-business.

Working capital & liquidity impact

$0.00 · prefunded 0 USD · 0.0 days tied up

Comparative score (this priority)

96 / 100

Cost decomposition

Tarifa fixa$10.00
Tarifa variável$375.00
Custo de intermediários$0.00
Custo do spread de câmbio$1,500.00
Custo de liquidez / pré-funding$0.00
Taxa de rede$6.00
Tarifa de on-ramp$375.00
Tarifa de off-ramp$375.00
Slippage$50.00
Custo operacional interno$27.00
Custo esperado do atraso$2.14
Custo total estimado$2,720.14

Sensitivity — FX spread × expected delay

spread Δ \ atraso Δ (h)-2+0+4+12
-0.50pp$1,468$1,470$1,476$1,487
+0.00pp$2,718$2,720$2,726$2,737
+0.50pp$3,968$3,970$3,976$3,987
+1.00pp$5,218$5,220$5,226$5,237

Sensibilidade calculada a partir das premissas atuais (demo/usuário) — não é previsão.

In plain language

Under these assumptions, this route costs about $2,720.14 in total — most of it from the 0.60% FX spread and the fees added on top of your transfer. Funds take roughly 0.25–0.5 hours per leg to move, before any weekend or compliance hold is applied.

Scores are normalized 0–100 within this set of three routes only, using the priority weights set on the Simulator page (default: balanced — cost 30%, speed 25%, liquidity 20%, operational risk 25%). A route with missing material data is never scored as if it were zero cost or zero risk — it is excluded from the recommendation badge instead.