Cross-border payments and FX
Asked as “cross-border payments platform for businesses”, and as “FX hedging and international payments tool”, on behalf of a mid-market B2B company. 48 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
40%
Contested · Airwallex 17%
40Wise Business17Airwallex10Kantox33others
40% of first choices, contested.
Since October 2026▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.Wise Business held the lead, +1 point on 39%, inside the 10-point floor.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
Small business
Wise Business67%Clear leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.Standing →Mid-marketWise Business40%Contested▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.This pageEnterprise
Airwallex27%Contested▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.Standing →
Wise Business67%Clear leader▼−1Since October 2026: 68% → 67%, −1 point. Inside the 10-point floor: within noise.Standing →Mid-marketWise Business40%Contested▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.This pageEnterpriseAirwallex27%Contested▲+5Since October 2026: 22% → 27%, +5 points. Inside the 10-point floor: within noise.Standing →The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for a mid-market B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince October 2026
01Wise Business40%10%62endorsed leader▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.39% → 40%
Wise Business40%10%62endorsed leader▲+1Since October 2026: 39% → 40%, +1 point. Inside the 10-point floor: within noise.39% → 40%02Airwallex17%4%45accepted challenger▼−3Since October 2026: 20% → 17%, −3 points. Inside the 10-point floor: within noise.20% → 17%
Airwallex17%4%45accepted challenger▼−3Since October 2026: 20% → 17%, −3 points. Inside the 10-point floor: within noise.20% → 17%03
Corpay Cross-Border Payments8%7%14accepted challenger▲+4Since October 2026: 4% → 8%, +4 points. Inside the 10-point floor: within noise.4% → 8%
Corpay Cross-Border Payments8%7%14accepted challenger▲+4Since October 2026: 4% → 8%, +4 points. Inside the 10-point floor: within noise.4% → 8%04
XTransfer6%0%23accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%
XTransfer6%0%23accepted challenger▲+6Since October 2026: 0% → 6%, +6 points. Inside the 10-point floor: within noise.0% → 6%05
Thunes2%0%14accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
Thunes2%0%14accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%06
WorldFirst2%0%13accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%
WorldFirst2%0%13accepted challenger▲+2Since October 2026: 0% → 2%, +2 points. Inside the 10-point floor: within noise.0% → 2%07
Convera2%10%10accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%
Convera2%10%10accepted challenger=heldSince October 2026: 2% → 2%, ±0 points. Inside the 10-point floor: within noise.2% → 2%Show the eight products at 0%, ordered by negative rate
14
Western Union0%50%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Western Union0%50%10criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%15
PayPal0%45%20criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
PayPal0%45%20criticized challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%08
Payoneer0%16%31accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%
Payoneer0%16%31accepted challenger▼−2Since October 2026: 2% → 0%, −2 points. Inside the 10-point floor: within noise.2% → 0%12
OFX0%15%13accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%
OFX0%15%13accepted challenger▼−4Since October 2026: 4% → 0%, −4 points. Inside the 10-point floor: within noise.4% → 0%10
Stripe0%10%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Stripe0%10%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%13
Adyen0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Adyen0%10%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%09
Revolut Business0%5%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Revolut Business0%5%20accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%11
Remitly0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%
Remitly0%0%10accepted challenger=heldSince October 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise.0% → 0%The floor is 10 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one can't be told apart from repeat variation, and both are shown. Each index measures its own floor from its own repeat, over its own categories, so the floor differs from one index to the next. Both editions asked the same fourteen models. How the floor is measured
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its product page.
For buyers
Head to head
All twenty-one head-to-head pages: the top seven products, each against each
Wise Business vs ThunesWise Business vs WorldFirstWise Business vs ConveraAirwallex vs Corpay Cross-Border PaymentsAirwallex vs XTransferAirwallex vs ThunesAirwallex vs WorldFirstAirwallex vs ConveraCorpay Cross-Border Payments vs XTransferCorpay Cross-Border Payments vs ThunesCorpay Cross-Border Payments vs WorldFirstCorpay Cross-Border Payments vs ConveraXTransfer vs ThunesXTransfer vs WorldFirstXTransfer vs ConveraThunes vs WorldFirstThunes vs ConveraWorldFirst vs Convera
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
010203040506070809101112131415Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative50%
Key
01Wise Business40%
Wise Business40%02Airwallex17%
Airwallex17%03Corpay Cross-Border Payments8%
Corpay Cross-Border Payments8%04XTransfer6%
XTransfer6%05Thunes2%
Thunes2%06WorldFirst2%
WorldFirst2%07Convera2%
Convera2%08Payoneer0%
Payoneer0%09Revolut Business0%
Revolut Business0%10Stripe0%
Stripe0%11Remitly0%
Remitly0%12OFX0%
OFX0%13Adyen0%
Adyen0%14Western Union0%
Western Union0%15PayPal0%
PayPal0%What they warned about
One of fourteen models held their first choice under the paraphrase. GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.20, Mistral Small, DeepSeek V4 Flash, Llama 4 Maverick, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX, MiniMax M2.5, GPT-6 Luna and Muse Glimmer 30B changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
PayPal45%
9 of 20 labels negative · 6 of 14 models · 3 hard negative
“Platforms to Avoid on a Tight Budget ... PayPal / Braintree: While convenient, PayPal charges standard FX margins of 3% to 4% above the mid-market rate” Gemini 3.5 Flash, budget prompt
MoneyGram83%
5 of 6 labels negative · 5 of 14 models · 2 hard negative
“Avoid using wire transfer, MoneyGram/Ria/Western Union cash pickup, crypto ATMs, gift cards or prepaid cards to pay someone you haven't met in person” Muse Glimmer 30B, negative prompt
Western Union50%
5 of 10 labels negative · 5 of 14 models · 2 hard negative
“Highest complaint volume... Zero monetary relief... Long history of fraud issues” Kimi K2, negative prompt
Wise Business10%
6 of 62 labels negative · 5 of 14 models · 1 hard negative
“not recommended as a primary FX hedging tool for mid-sized B2B firms because it lacks forward contracts and structured risk-management capabilities” Gemini 3.5 Flash, paraphrase prompt
What they cite
Fourteen of the fourteen models returned a source list in this edition: five return the pages they cited and nine the search results they consulted.
Sites the answers cite
75 of 84 answers in this category came back with a source list, from 14 of 14 models: citations where the model returns them, or the search results it consulted. 843 links across 257 sites, every framing counted. Ranked by the number of answers carrying the site or page. 5 of the 252 answers across every segment cited this index's own page for the category; the method page measures whether that reading tilts an answer.
vendor site · XTransfer34 answers · 105 citations · 11 models
24 answers · 52 citations · 10 models
vendor site · Airwallex24 answers · 47 citations · 13 models
vendor site · Stripe13 answers · 20 citations · 9 models
vendor site · ConnectPay13 answers · 13 citations · 7 models
vendor site · Tipalti13 answers · 13 citations · 9 models
vendor site · PhotonPay12 answers · 14 citations · 5 models
vendor site · Routefusion12 answers · 13 citations · 7 models
vendor site · Payoneer11 answers · 12 citations · 8 models
vendor site · WorldFirst10 answers · 18 citations · 7 models
vendor site · G210 answers · 10 citations · 8 models
vendor site · HighRadius9 answers · 9 citations · 5 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
13 answers · 8 models
11 answers · 8 models
10 answers · 5 models
10 answers · 7 models
10 answers · 9 models
9 answers · 8 models
9 answers · 9 models
8 answers · 6 models
8 answers · 5 models
8 answers · 4 models
Search against answers
Each company's standing in the answers beside its site's footprint in Google search, one row a site: the products the models named on it with their shares, and the share they add up to; monthly searches on Google, and DataForSEO's estimate of AI search demand (modeled from search signals, directional, not a count of queries to any assistant), for the most-searched of the company's and its products' names (the name is in each row's hover text); estimated monthly organic visits to the site; and its best position in Google's top ten for “best cross-border payments platform for businesses”, “cross-border payment platforms”, “cross-border payments platform for businesses”. US estimates from DataForSEO and Google's Ads Transparency Center. A small company's site, or a mid-sized company's site for its flagship, is marked company; a product on a large parent's site (Google, Microsoft) has no site figures. A column with no figures for this category is left out, and an empty cell means none were seen, not none exist. Two measurements side by side: neither is read as the cause of the other.
| Company and products | Share | Own site cited | Name searches, Google | AI search demand, est. | Organic visits | Paid search a month, est. | Google ads, last 30 days | Best Google position |
|---|---|---|---|---|---|---|---|---|
| Wise Business wise.com | 40% | 270 | 1,900 | 167 | 158,520,306 | $81 | 78 | |
| Airwallex airwallex.com | 17% | 260 | 27,100 | 416 | 420,414 | $56,832 | 45 | 5 |
| Kantox kantox.com | 10% | 14 | 140 | 4 | 16,755 | 0 | ||
| Corpay corpay.com Corpay Cross-Border Payments 8% | 8% | 28 | 14,800 | 531 | 25,659 company | $4,482 | 12 | 5 |
| XTransfer xtransfer.com | 6% | 55 | 1,600 | 23 | 622,724 | |||
| iBanFirst ibanfirst.com | 6% | 11 | ||||||
| Bound bound.co | 4% | 7 | ||||||
| Thunes thunes.com | 2% | 38 | 22,200 | 350 | 14,014 | 2 | ||
| WorldFirst worldfirst.com | 2% | 30 | 7 | |||||
| Convera convera.com | 2% | 30 | 3,600 | 76 | 10,160 |
Google's top ten for the three searches hold 15 sites; 7 of them are among the sites the models cited here (airwallex.com, connectpay.com, highradius.com, payoneer.com, stripe.com, tipalti.com, worldfirst.com). The first result for “best cross-border payments platform for businesses” is connectpay.com.
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.ShowHide
How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ShowHideModelDirect“What is the best cross-border payments platform for businesses for a mid-market B2B company?”Paraphrase“Which FX hedging and international payments tool would you recommend to a mid-sized B2B company?”Comparative“What are the top cross-border payment platforms and how do they differ?”Budget-constrained“What is the best cross-border payments platform for businesses for a company with a limited budget?”Scale-constrained“We are a 500 person company evaluating a cross-border payments platform for businesses. What should we look at?”Negative“Which cross-border payment platforms should I avoid or be cautious about?”
Claude Haiku 4.5Wise BusinessWise BusinessHeldno first choiceWise Businessno first choicenothing named
Three alternatives
Airwallex, Thunes, TipaltiFour alternatives
Airwallex, Convera, HedgeFlows, iBanFirstTwo alternatives
Revolut Business, iBanFirstGPT-5.4 miniAirwallexWorldFirstChangedWise BusinessWise Businessagainst: Airwallex, PayPalno first choiceagainst: Sendwave, Wise Business
One alternative
Wise BusinessTwo alternatives
Airwallex, Wise BusinessFive alternatives
Adyen, Airwallex, Payoneer, Revolut Business, StripeOne alternative
PayoneerGemini 3.5 FlashAirwallexagainst: Wise BusinessCorpay Cross-Border PaymentsChangedagainst: Wise BusinessWise BusinessAirwallex, Wise Businessagainst: Braintree, PayPalno first choiceagainst: Bank of America, Citi, HSBC Payments & FX Solutions, JPMorgan Chaseagainst: Bank of America, Cash App, Chase, HSBC Payments & FX Solutions, MoneyGram, Payoneer, Revolut Business, Venmo, Wells Fargo, Western Union, Zelle
Four alternatives
Corpay Cross-Border Payments, Ebury, HighRadius, TipaltiThree alternatives
Airwallex, Kantox, MonexNine alternatives
Airwallex, Nium, Payoneer, Remitly, Revolut Business, Stripe, Thunes, Tipalti, Western UnionTwo alternatives
OFX, Revolut BusinessPerplexity SonarAirwallexiBanFirstChangedagainst: Airwallex, Corpay Cross-Border Payments, Ebury, Wise BusinessWise Businessagainst: PayPalWise Businessagainst: Stripeno first choicenothing named
Two alternatives
Wise Business, XTransferTwo alternatives
HedgeFlows, KantoxSeven alternatives
Adyen, Airwallex, Currencycloud, OFX, Payoneer, Stripe, XTransferThree alternatives
Airwallex, Payoneer, XTransferGrok 4.20Airwallexagainst: Payoneer, SWIFTBoundChangedno first choiceWise Businessagainst: Adyen, OFX, PayPal, Payoneerno first choiceagainst: LocalBitcoins, MoneyGram, PayPal, Venmo, WeChat Pay, Western Union
Three alternatives
Thunes, Wise Business, WorldFirstFive alternatives
Corpay Cross-Border Payments, HedgeFlows, OFX, WorldFirst, iBanFirstTwo alternatives
Airwallex, StripeMistral SmallXTransferKantox, iBanFirstChangedno first choiceWise Businessno first choiceagainst: Crosspay
Five alternatives
Corpay Cross-Border Payments, Ebury, Payoneer, Thunes, Wise BusinessThree alternatives
Atlar, Ebury, MoneyCorpTwo alternatives
Payoneer, XTransferDeepSeek V4 FlashAirwallexKantoxChangedWise Businessagainst: PayPalWise Businessagainst: OFX, PayPal, Traditional banksWise Businessagainst: Eandmoney.com, MoneyGram, Skydo.com, Western Union, Xoom
Four alternatives
Convera, Corpay Cross-Border Payments, Thunes, Wise BusinessThree alternatives
Bound, Convera, Corpay Cross-Border PaymentsEight alternatives
Adyen, Airwallex, Payoneer, Payouts.com, Stripe, Thunes, WorldFirst, XTransferFour alternatives
Airwallex, Payoneer, Revolut Business, TransferGo BusinessFive alternatives
Airwallex, Corpay Cross-Border Payments, J.P. Morgan Payments, Payoneer, StripeLlama 4 MaverickXTransferno first choiceChangedno first choiceWise Businessno first choiceagainst: Mudrex, Saber.money
Four alternatives
Airwallex, Payoneer, Wise Business, WorldFirstThree alternatives
Payoneer, Tipalti, XTransferQwen 3.7 FlashCorpay Cross-Border Payments, EburyKantoxChangedagainst: Citi, HSBC Payments & FX Solutionsno first choiceWise Businessno first choiceagainst: Chase, Citi, HSBC Payments & FX Solutionsagainst: Convera, Remittix, Skydo, Wooshpay
Three alternatives
Airwallex, Thunes, XTransferTwo alternatives
Ebury, iBanFirstTwo alternatives
Airwallex, PayoneerThree alternatives
Airwallex, Currencycloud, Wise BusinessKimi K2Wise BusinessKantoxChangedagainst: Wise BusinessAirwallex, Wise Businessagainst: PayPal, XoomWise Businessno first choiceagainst: MoneyGram, PayPal, Western Union, Xoom
Three alternatives
Airwallex, Tipalti, XTransferTwo alternatives
Convera, MoneyCorpSix alternatives
Adyen, Payoneer, Remitly, Stripe, WorldFirst, XTransferOne alternative
AirwallexGLM 4.7 FlashXXTransferagainst: Payoneer, StripeiBanFirstChangedagainst: HSBC Payments & FX Solutions, HedgeFlows, StoneX FXAirwallex, Wise BusinessWise Businessno first choiceagainst: Chipper Cash, Eversend, MoneyMatch Transfer, Wooshpay
Two alternatives
Airwallex, Wise BusinessTwo alternatives
Convera, KantoxSeven alternatives
Cashfree, Payoneer, Stripe Connect, Thunes, Whop, WorldFirst, XTransferTwo alternatives
OFX, Revolut BusinessMiniMax M2.5Airwallex, Corpay Cross-Border PaymentsBound, KantoxChangedno first choiceWise Businessagainst: Payoneerno first choiceagainst: Cashplus, MarTrust
Three alternatives
Ebury, Wise Business, XTransferThree alternatives
Convera, MoneyCorp, iBanFirstTwo alternatives
WorldFirst, XTransferGPT-6 LunaAirwallexCorpay Cross-Border PaymentsChangedWise BusinessWise Businessno first choiceagainst: Sendwave, Servicio UniTeller, Wise Business
Three alternatives
Corpay Cross-Border Payments, Tipalti, Wise BusinessTwo alternatives
Kyriba, OFXFive alternatives
Adyen, Airwallex, PayPal, Payoneer, StripeOne alternative
Airwallex ExploreMuse Glimmer 30BThunes, Wise BusinessConveraChangedagainst: AtlasFX, KyribaWise BusinessWise Businessno first choiceagainst: MoneyGram, Ria, Western Union
Two alternatives
Airwallex, XTransferThree alternatives
Bound, HedgeFlows, KantoxFive alternatives
Airwallex, PayPal, Stripe, Western Union, XTransferThree alternatives
OFX, Revolut Business, XTransferBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency.
Eighty-four rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:48 | yes | 10 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:00 | yes | 2 | 5 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:11 | yes | 10 | 24 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-11-01 09:14 | yes | 10 | 4 s |
| Direct recommendation | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:26 | yes | 13 | 33 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 09:31 | yes | 5 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:25 | yes | 25 | 34 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:37 | yes | 5 | 3 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:43 | yes | 5 | 28 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:05 | yes | 18 | 29 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:55 | yes | 20 | 108 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 10:04 | yes | 5 | 28 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:11 | yes | 4 | 17 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:49 | yes | 13 | 21 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:25 | yes | 19 | 10 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 11:26 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:51 | no | 0 | 16 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-11-01 09:01 | yes | 10 | 4 s |
| Paraphrase | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:21 | yes | 5 | 28 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:46 | yes | 5 | 5 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:15 | yes | 22 | 25 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 11:06 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 11:41 | yes | 5 | 32 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:37 | yes | 14 | 48 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:22 | yes | 19 | 51 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:22 | yes | 9 | 33 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:17 | yes | 3 | 12 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 08:55 | yes | 13 | 18 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 12:48 | yes | 14 | 11 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 08:40 | yes | 8 | 8 s |
| Comparative | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 11:34 | yes | 9 | 21 s |
| Comparative | Perplexity Sonar | sonar | 2026-11-01 09:21 | yes | 10 | 6 s |
| Comparative | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:11 | yes | 5 | 32 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:24 | yes | 10 | 9 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:41 | yes | 24 | 44 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:46 | yes | 5 | 2 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 10:06 | yes | 5 | 32 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:41 | yes | 20 | 65 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:30 | yes | 20 | 40 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:01 | no | 0 | 14 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:20 | yes | 7 | 20 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:09 | yes | 15 | 26 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:52 | yes | 10 | 8 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 10:28 | yes | 5 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 09:00 | no | 0 | 16 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-11-01 11:04 | yes | 10 | 3 s |
| Budget constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:23 | yes | 9 | 33 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:40 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 09:33 | yes | 25 | 27 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:33 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:54 | yes | 5 | 20 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 10:11 | yes | 14 | 58 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 11:58 | yes | 13 | 51 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 08:45 | yes | 14 | 60 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 11:39 | yes | 2 | 9 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 10:39 | yes | 15 | 15 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 10:50 | no | 0 | 6 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 12:59 | yes | 3 | 10 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 08:50 | no | 0 | 17 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-11-01 09:24 | yes | 10 | 8 s |
| Scale constrained | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:09 | yes | 5 | 35 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 12:06 | no | 0 | 8 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 11:51 | yes | 24 | 31 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 10:30 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 08:45 | no | 0 | 35 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 09:51 | yes | 25 | 32 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:51 | yes | 15 | 47 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 09:13 | no | 0 | 30 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-11-01 10:29 | yes | 4 | 17 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 11:33 | no | 0 | 5 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-11-01 08:48 | yes | 18 | 8 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-11-01 09:12 | yes | 6 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.6-flash (asked for gemini-3.5-flash; the API answered as this version) | 2026-11-01 12:07 | yes | 9 | 15 s |
| Negative framing | Perplexity Sonar | sonar | 2026-11-01 12:39 | yes | 10 | 5 s |
| Negative framing | Grok 4.20 | spacexai/grok-4.20-non-reasoning via xai | 2026-11-01 13:25 | yes | 5 | 30 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-11-01 10:24 | yes | 5 | 4 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-11-01 12:09 | yes | 25 | 30 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-11-01 09:31 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-11-01 09:25 | yes | 10 | 36 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-11-01 12:04 | yes | 24 | 24 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-11-01 09:24 | yes | 25 | 160 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-11-01 12:35 | yes | 20 | 82 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-11-01 12:20 | yes | 5 | 20 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-11-01 12:15 | yes | 24 | 26 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
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Category-scoped readings
Corpay read as Corpay Cross-Border Payments
Corpay (FLEETCOR) read as Corpay Cross-Border Payments
Corpay (FleetCor) read as Corpay Cross-Border Payments
Corpay (formerly FXAll/Cross-Border) read as Corpay Cross-Border Payments
Corpay Cross-Border read as Corpay Cross-Border Payments
HSBC read as HSBC Payments & FX Solutions
HSBC (Payments & FX / FX Overlay / Autohedge) read as HSBC Payments & FX Solutions
HSBC's Payments & FX Solutions read as HSBC Payments & FX Solutions
JP Morgan read as J.P. Morgan Payments
Pangea read as Pangea Prime
Ripple Payments read as Ripple
Unresolved, counted raw
Airwallex Explore
Azimo
Bound's FX risk management platform
Crosspay
Eandmoney.com
Eversend
LocalBitcoins
MarTrust
Monex
MoneyGram International
MoneyMatch Transfer
Remittix
Ria Money Transfer
SWIFT Network
Servicio UniTeller
Skydo.com
StoneX FX
TransferWise for Business
WeChat Pay
Wells Fargo's Foreign Exchange for Corporates
Discontinued, still offered
No shut-down product was recommended here.