Cross-border payments and FX for enterprise buyers
Asked as “cross-border payments platform for businesses”, and as “FX hedging and international payments tool”, on behalf of an enterprise B2B company. 54 first choices recorded across the direct, paraphrase, budget and scale prompts, fourteen models each.
Standing · first-choice share
22%
Contested · Kyriba 20%
22Airwallex20Kyriba11Wise Business46others
22% of first choices, contested.
Since September 2026↗new leaderNew leader since September 2026: Airwallex (24%) replaces Thunes (22% then, 4% now), 20 points clear, past the 10-point floor.Airwallex leads at 24%, replacing Thunes, which led at 22% and stands at 4% now: 20 points clear, past the 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 Business68%Clear leader▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketWise Business39%Contested▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Enterprise
Airwallex22%Contested↗new leaderNew leader since September 2026: Airwallex (24%) replaces Thunes (22% then, 4% now), 20 points clear, past the 10-point floor.This page
Wise Business68%Clear leader▼−3Since September 2026: 73% → 70%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →Mid-marketWise Business39%Contested▲+4Since September 2026: 35% → 39%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.Standing →EnterpriseAirwallex22%Contested↗new leaderNew leader since September 2026: Airwallex (24%) replaces Thunes (22% then, 4% now), 20 points clear, past the 10-point floor.This pageThe standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all fourteen models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrantSince September 2026
01Airwallex22%6%49accepted challenger▲+5Since September 2026: 19% → 24%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.19% → 24%
Airwallex22%6%49accepted challenger▲+5Since September 2026: 19% → 24%, +5 points. Inside the 10-point floor: within noise. Read over the models both editions asked.19% → 24%02
Kyriba20%0%13accepted challenger▼−2Since September 2026: 22% → 20%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.22% → 20%
Kyriba20%0%13accepted challenger▼−2Since September 2026: 22% → 20%, −2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.22% → 20%03Wise Business11%18%38accepted challenger▼−3Since September 2026: 14% → 11%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.14% → 11%
Wise Business11%18%38accepted challenger▼−3Since September 2026: 14% → 11%, −3 points. Inside the 10-point floor: within noise. Read over the models both editions asked.14% → 11%04
Adyen9%7%27accepted challenger▲+6Since September 2026: 3% → 9%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 9%
Adyen9%7%27accepted challenger▲+6Since September 2026: 3% → 9%, +6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 9%05
Tipalti7%5%22accepted challenger▲+4Since September 2026: 3% → 7%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 7%
Tipalti7%5%22accepted challenger▲+4Since September 2026: 3% → 7%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 7%06
Convera6%4%23accepted challenger▲+4Since September 2026: 3% → 7%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 7%
Convera6%4%23accepted challenger▲+4Since September 2026: 3% → 7%, +4 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 7%07
Thunes4%5%20accepted challenger▼−17Since September 2026: 22% → 4%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.22% → 4%
Thunes4%5%20accepted challenger▼−17Since September 2026: 22% → 4%, −17 points. Past the 10-point floor: movement. Read over the models both editions asked.22% → 4%08
Nium4%0%13accepted challenger▲+2Since September 2026: 3% → 4%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 4%
Nium4%0%13accepted challenger▲+2Since September 2026: 3% → 4%, +2 points. Inside the 10-point floor: within noise. Read over the models both editions asked.3% → 4%09
Corpay Cross-Border Payments2%0%14accepted challenger▼−6Since September 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.8% → 2%
Corpay Cross-Border Payments2%0%14accepted challenger▼−6Since September 2026: 8% → 2%, −6 points. Inside the 10-point floor: within noise. Read over the models both editions asked.8% → 2%Show the two products at 0%, ordered by negative rate
11
Payoneer0%38%21criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Payoneer0%38%21criticized challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%10
Stripe0%14%21accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.0% → 0%
Stripe0%14%21accepted challenger=heldSince September 2026: 0% → 0%, ±0 points. Inside the 10-point floor: within noise. Read over the models both editions asked.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 is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. 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.
Head to head
All fifteen head-to-head pages: the top six products, each against each
Wise Business vs OFXWise Business vs PayoneerAirwallex vs TipaltiAirwallex vs Corpay Cross-Border PaymentsAirwallex vs OFXAirwallex vs PayoneerTipalti vs Corpay Cross-Border PaymentsTipalti vs OFXTipalti vs PayoneerCorpay Cross-Border Payments vs OFXCorpay Cross-Border Payments vs PayoneerOFX vs Payoneer
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 →
0102030405060708091011Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Airwallex22%
Airwallex22%02Kyriba20%
Kyriba20%03Wise Business11%
Wise Business11%04Adyen9%
Adyen9%05Tipalti7%
Tipalti7%06Convera6%
Convera6%07Thunes4%
Thunes4%08Nium4%
Nium4%09Corpay Cross-Border Payments2%
Corpay Cross-Border Payments2%10Stripe0%
Stripe0%11Payoneer0%
Payoneer0%What they warned about
Zero of fourteen models held their first choice under the paraphrase. Claude Haiku 4.5, GPT-5.4 mini, Gemini 3.5 Flash, Perplexity Sonar, Grok 4.1 Fast, 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.
PayPal75%
6 of 8 labels negative · 6 of 14 models · 1 hard negative
“**Why avoid**: Enterprises report operational disruptions and hidden costs” Grok 4.1 Fast, negative prompt
Payoneer38%
8 of 21 labels negative · 5 of 14 models · 1 hard negative
“**Why avoid**: High chargeback/dispute risks in cross-border e-commerce; lacks depth for corporate treasury.” Grok 4.1 Fast, negative prompt
Wise Business18%
7 of 38 labels negative · 4 of 14 models · 2 hard negative
“a basic fintech app or retail-focused transfer tool (like Wise or Revolut Business) will not suffice” Gemini 3.5 Flash, paraphrase prompt
Adyen7%
2 of 27 labels negative · 2 of 14 models
“For cross-border *payouts*, Adyen can sometimes be more expensive than Airwallex because it relies heavily on card networks” Qwen 3.7 Flash, budget prompt
What they cite
Citations exist only for the models that return a source list: fourteen of the fourteen in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
81 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. 1238 links across 334 sites, every framing counted. Ranked by the number of answers carrying the site or page. 2 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 · Airwallex48 answers · 104 citations · 14 models
vendor site · HighRadius42 answers · 47 citations · 11 models
29 answers · 55 citations · 12 models
vendor site · Tipalti29 answers · 36 citations · 10 models
29 answers · 32 citations · 10 models
vendor site · Guideflow25 answers · 25 citations · 11 models
vendor site · ConnectPay22 answers · 25 citations · 10 models
vendor site · Stripe21 answers · 35 citations · 11 models
vendor site · XTransfer19 answers · 26 citations · 10 models
vendor site · WorldFirst19 answers · 19 citations · 9 models
18 answers · 18 citations · 9 models
vendor site · Chargeflow15 answers · 17 citations · 10 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.
34 answers · 11 models
27 answers · 12 models
26 answers · 9 models
25 answers · 11 models
18 answers · 9 models
18 answers · 10 models
17 answers · 9 models
15 answers · 9 models
14 answers · 8 models
12 answers · 7 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 |
|---|---|---|---|---|---|---|---|---|
| Airwallex airwallex.com | 22% | 308 | 27,100 | 416 | 420,414 | $56,832 | 45 | 5 |
| Kyriba kyriba.com | 20% | 244 | 4,400 | 155 | 38,514 | 45 | ||
| Wise Business wise.com | 11% | 292 | 1,900 | 167 | 158,520,306 | $81 | 78 | |
| Adyen adyen.com Adyen 9%, Adyen for Platforms 2% | 11% | 180 | 22,200 | 890 | 126,446 | $7,702 | 84 | |
| Tipalti tipalti.com | 7% | 517 | 18,100 | 381 | 213,652 | $83,363 | 120 | 4 |
| Convera convera.com | 6% | 31 | 3,600 | 76 | 10,160 | |||
| Thunes thunes.com | 4% | 35 | 22,200 | 350 | 14,014 | 2 | ||
| Nium nium.com | 4% | 26 | 1,600 | 58 | 6,078 | 1 | ||
| Corpay corpay.com Corpay Cross-Border Payments 2% | 2% | 35 | 14,800 | 531 | 25,659 company | $4,482 | 12 | 5 |
| HighRadius highradius.com | 2% | 691 | 6,600 | 118 | 294,561 | $2,272 | 120 | 3 |
Google's top ten for the three searches hold 15 sites; 6 of them are among the sites the models cited here (airwallex.com, connectpay.com, highradius.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 an enterprise B2B company?”Paraphrase“Which FX hedging and international payments tool would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade cross-border payment platforms and how do they differ?”Budget-constrained“What is the best cross-border payments platform for businesses for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a cross-border payments platform for businesses. What should we look at?”Negative“Which cross-border payment platforms should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5ThunesConvera, HighRadiusChangedThunesWise Businessno first choicenothing named
Four alternatives
Airwallex, HighRadius, Tipalti, Wise BusinessTwo alternatives
Alt21, Pangea PrimeFive alternatives
Adyen, Airwallex, HighRadius, Tipalti, Wise BusinessThree alternatives
Adyen, Airwallex, ConveraGPT-5.4 miniAirwallex, Wise BusinessKyribaChangedagainst: Wise BusinessSWIFT, SWIFT gpiWise Businessno first choicenothing named
One alternative
PayPalOne alternative
Corpay Cross-Border PaymentsFour alternatives
Adyen, Stripe Treasury, Visa B2B Connect, Visa DirectTwo alternatives
Airwallex, StripeGemini 3.5 Flashno first choiceCorpay Cross-Border Payments, KantoxChangedagainst: Revolut Business, Wise BusinessAirwallex, Wise BusinessAirwallexno first choiceagainst: PayPal, Remitly, Synapse, Wise Business, WorldRemit
Eight alternatives
Adyen, Airwallex, Convera, Corpay Cross-Border Payments, Nium, Serrala, Stripe, TipaltiTwo alternatives
Convera, KyribaSix alternatives
Adyen, Nium, Serrala, Stripe, Thunes, dLocalThree alternatives
Convera, Corpay Cross-Border Payments, Wise BusinessPerplexity SonarNiumagainst: PayoneerKyribaChangedno first choiceAirwallexno first choiceagainst: Adyen, PayPal, Payoneer, Stripe, Worldpay
Three alternatives
Adyen, Airwallex, ThunesTwo alternatives
HSBC Autohedge, KantoxTwo alternatives
Adyen, ConveraGrok 4.1 FastAirwallexKyribaChangedagainst: Wise BusinessAdyen, AirwallexAirwallexagainst: Convera, OFX, Rapyd, Stripe, Thunes, Wise BusinessAirwallexagainst: PayPal, Payoneer, Ripple, Stripe, Wise Business
Four alternatives
FIS, Mastercard Cross-Border, Thunes, Wise BusinessThree alternatives
Airwallex, Corpay Cross-Border Payments, KantoxFive alternatives
Nium, Payoneer, Rapyd, Stripe, Wise BusinessTwo alternatives
Adyen, TipaltiTwo alternatives
Nium, TipaltiMistral SmallFuze BusinessKyribaChangedno first choiceConverano first choiceagainst: Alipay, WeChat Pay
Three alternatives
Airwallex, Thunes, TipaltiOne alternative
TelpayFXNine alternatives
Adyen, Airwallex, HighRadius, Payoneer, Ripple, Stripe, Thunes, Tipalti, Wise BusinessOne alternative
OFXDeepSeek V4 FlashAirwallexagainst: Wise BusinessKyribaChangedAirwallex, Wise Businessagainst: Payoneer, SWIFT gpiConvera, Wise Businessagainst: Airwallex, Payoneer, Tipaltino first choiceagainst: PayPal, Payoneer
Four alternatives
Adyen, Convera, Thunes, TipaltiTwo alternatives
Corpay Cross-Border Payments, KantoxFour alternatives
Adyen, Corpay Cross-Border Payments, Stripe, TipaltiLlama 4 MaverickCurrencycloud, Thunes, Tipaltino first choiceChangedno first choiceAdyenno first choicenothing named
Qwen 3.7 FlashAirwallex, Wise BusinessCorpay Cross-Border Solutions, KyribaChangedAirwallexAirwallex, Niumagainst: Adyenno first choiceagainst: PayPal, Payoneer
Four alternatives
Currencycloud, HSBC, J.P. Morgan, ThunesFive alternatives
Adyen, Rapyd, Stripe, Thunes, Wise BusinessKimi K2Adyen, TipaltiKyribaChangedAdyenTipaltino first choiceagainst: Binance, Block, DaVinci Payments, OKX, PayPal, Poloniex, Robinhood, Wirecard AG
Three alternatives
Convera, Nium, ThunesThree alternatives
FIS Quantum, ION Treasury, SAP Treasury and Risk ManagementSeven alternatives
Airwallex, Citi, HSBC, JPMorgan Chase, Payoneer, Stripe, Wise BusinessTwo alternatives
Airwallex, Corpay Cross-Border PaymentsGLM 4.7 FlashXAirwallexKyribaChangedno first choiceAdyenno first choicenothing named
Four alternatives
Nium, Rapyd, Stripe, Wise BusinessFour alternatives
Airwallex, HighRadius, Oracle Treasury, SAP Treasury and Risk ManagementSix alternatives
Airwallex, Convera, Thunes, Tipalti, TransferMate, WorldpayThree alternatives
Airwallex, Convera, Wise BusinessMiniMax M2.5Airwallex, BILLKyribaChangedagainst: Bloomberg TerminalAirwallexAdyenno first choicenothing named
Three alternatives
Payoneer, Tipalti, TrolleyTwo alternatives
GTreasury, TreasuryXpressTwo alternatives
Stripe, Wise BusinessTwo alternatives
Convera, OFXSix alternatives
Adyen, Airwallex, Brex, Deel, Rapyd, StripeGPT-6 LunaJ.P. Morgan PaymentsKyribaChangedno first choiceWise Businessno first choiceagainst: Airwallex's Australian operation, Paxful, Wise US, WorldRemit's Australian operation
Three alternatives
Airwallex, HSBC Global Payments Solutions, Wise BusinessOne alternative
Corpay Cross-Border PaymentsSeven alternatives
Airwallex, Corpay Cross-Border Payments, J.P. Morgan Payments, Nium, Thunes, Visa Direct / Mastercard Move, Wise BusinessOne alternative
AirwallexMuse Glimmer 30BAdyen for Platforms, Airwallex, TipaltiKyribaChangedConveraAdyenagainst: Airwallexno first choiceagainst: Airwallex, HSBC, OFX, Payoneer, WorldFirst
One alternative
TransferMateTwo alternatives
Corpay Cross-Border Payments, Kantox Dynamic HedgingFour alternatives
Airwallex, SWIFT gpi, Thunes, Wise BusinessTwo alternatives
Convera, NiumBold 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. Full answer text is in the free responses file. Download the record
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 | 2026-10-01 10:25 | yes | 9 | 8 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:43 | yes | 4 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 07:39 | yes | 24 | 26 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-10-01 09:46 | yes | 16 | 5 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 11:16 | yes | 22 | 10 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:56 | yes | 7 | 5 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 10:17 | yes | 22 | 31 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:37 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:58 | no | 0 | 32 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:15 | yes | 13 | 20 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:41 | yes | 22 | 74 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:24 | yes | 5 | 12 s |
| Direct recommendation | GPT-6 Luna | gpt-6-luna | 2026-10-01 10:26 | yes | 4 | 14 s |
| Direct recommendation | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:31 | yes | 14 | 19 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 11:14 | yes | 9 | 7 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 07:32 | yes | 3 | 4 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:21 | yes | 19 | 21 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-10-01 08:11 | yes | 33 | 5 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:47 | yes | 21 | 7 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:20 | yes | 5 | 3 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:23 | yes | 21 | 39 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:22 | yes | 5 | 2 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 08:16 | yes | 10 | 71 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:59 | yes | 22 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 10:55 | yes | 25 | 27 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:06 | no | 0 | 58 s |
| Paraphrase | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:16 | yes | 2 | 10 s |
| Paraphrase | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:45 | yes | 17 | 41 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 09:33 | yes | 9 | 8 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 10:48 | yes | 6 | 10 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:06 | yes | 17 | 32 s |
| Comparative | Perplexity Sonar | sonar | 2026-10-01 08:58 | yes | 18 | 7 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 07:57 | yes | 19 | 9 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 10:48 | yes | 9 | 6 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:51 | yes | 22 | 43 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 10:56 | yes | 5 | 1 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 09:10 | yes | 14 | 38 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 07:56 | yes | 19 | 30 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 07:43 | yes | 25 | 31 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:52 | yes | 24 | 41 s |
| Comparative | GPT-6 Luna | gpt-6-luna | 2026-10-01 09:30 | yes | 8 | 20 s |
| Comparative | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:27 | yes | 25 | 54 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 07:56 | yes | 17 | 10 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:16 | yes | 3 | 5 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 09:37 | yes | 26 | 25 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-10-01 07:59 | yes | 16 | 3 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:41 | yes | 23 | 9 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:26 | yes | 5 | 3 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 08:11 | yes | 25 | 32 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:11 | yes | 5 | 1 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 11:26 | yes | 20 | 121 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 10:27 | yes | 24 | 30 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:34 | yes | 25 | 96 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 10:53 | yes | 21 | 74 s |
| Budget constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:08 | yes | 2 | 21 s |
| Budget constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 08:48 | yes | 14 | 28 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 10:18 | yes | 19 | 14 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 09:59 | yes | 3 | 8 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 10:28 | yes | 12 | 25 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-10-01 07:36 | yes | 16 | 4 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 08:01 | yes | 17 | 10 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 07:33 | yes | 20 | 12 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 11:09 | yes | 23 | 79 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 09:41 | yes | 5 | 12 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:55 | no | 0 | 30 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 08:50 | yes | 25 | 36 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:35 | yes | 25 | 72 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 09:22 | yes | 5 | 38 s |
| Scale constrained | GPT-6 Luna | gpt-6-luna | 2026-10-01 08:48 | yes | 7 | 27 s |
| Scale constrained | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 10:22 | yes | 14 | 20 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-10-01 08:48 | yes | 17 | 9 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-10-01 11:11 | yes | 7 | 7 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-10-01 08:32 | yes | 18 | 29 s |
| Negative framing | Perplexity Sonar | sonar | 2026-10-01 10:26 | yes | 17 | 4 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-10-01 09:37 | yes | 24 | 12 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-10-01 09:33 | yes | 20 | 13 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-10-01 09:46 | yes | 24 | 54 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-10-01 08:40 | yes | 5 | 2 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-10-01 10:07 | yes | 23 | 108 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-10-01 09:50 | yes | 25 | 36 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-10-01 09:41 | yes | 24 | 139 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-10-01 08:23 | yes | 20 | 74 s |
| Negative framing | GPT-6 Luna | gpt-6-luna | 2026-10-01 11:02 | yes | 5 | 24 s |
| Negative framing | Muse Glimmer 30B | meta/muse-glimmer-30b via togetherai | 2026-10-01 09:52 | yes | 13 | 24 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 (formerly Cambridge Global Payments) read as Corpay Cross-Border Payments
Corpay (formerly Western Union Business Solutions) read as Corpay Cross-Border Payments
Corpay Cross-Border read as Corpay Cross-Border Payments
Pangea read as Pangea Prime
Unresolved, counted raw
Airwallex's Australian operation
Alipay
Alpha Group (formerly Alpha FX)
Bloomberg Terminal
Citi Treasury
Corpay Cross-Border Solutions
DaVinci Payments
Deutsche Bank db-interactive
HSBC Autohedge
HSBC Global Banking
HSBC Global Payments Solutions
J.P. Morgan's Onyx system
Kantox Dynamic Hedging
Mastercard Cross-Border
Monex USA
Paxful
PingPong
Poloniex
Robinhood
TelpayFX
Visa Direct
Visa Direct / Mastercard Move
WeChat Pay
Wirecard AG
Wise US
WorldRemit's Australian operation
Discontinued, still offered
No shut-down product was recommended here.