Cross-border payments and FX · September 2026 Edition
Airwallex vs OFX
Nine of twelve models named Airwallex first on the direct prompt; zero named OFX. Airwallex was named by twelve of the twelve models and OFX by seven and Airwallex carries 43 labels and OFX 13, so the shares are not directly comparable.
Named in eight categories this edition.
Named in two categories this edition.
First-choice share33%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate5%8%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#4A position in a field of 11; printed, not drawn.
Labels4313A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Airwallex reading right to left. Rank and label count are printed, not drawn.Wise Business was named alongside these two in eleven of the twelve direct answers. Wise Business vs Airwallex · Wise Business vs OFX · Airwallex vs Corpay Cross-Border
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the Cross-border payments and FX page.
By framing
How many of the twelve models made each the first choice, per way of asking, and how many argued against it.
AirwallexFirst choices, of twelve modelsOFX
Direct90
Paraphrase121 against Airwallex
Comparative30
Budget-constrained201 against Airwallex · 1 against OFX
Scale-constrained30
Negative00
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.
Every model, every framing
The seventy-two answers behind the chart above, one cell each: where Airwallex and OFX stood in it.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| 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 | | | |
Airwallex OFX first choice named as an alternative argued againstblank: not namedEach cell is one answer, Airwallex on the left and OFX on the right.The direct prompt
The plain question, one answer per model, grouped by where Airwallex and OFX stood in it.
Airwallex first, OFX an alternative
9 of 12 modelsOFX was named in the answer but not as the choice, or not at all.GPT-5.4 miniAirwallex alternatives: Payoneer, Stripe, Wise Business
Gemini 3.5 FlashAirwallex alternatives: Convera, Corpay Cross-Border, Tipalti, TransferMate, Wise Business
Perplexity SonarAirwallex, Tipalti alternatives: Currencycloud, Payoneer, Stripe, Wise Business
Grok 4.1 FastAirwallex, Wise Business alternatives: Nium, Rapyd, Stripe Treasury, Thunes, Tipalti
DeepSeek V4 FlashAirwallex alternatives: Convera, OFX, Tipalti, Wise Business
Qwen 3.7 FlashAirwallex, Wise Business alternatives: Currencycloud, Revolut Business
Kimi K2Airwallex alternatives: Corpay Cross-Border, Tipalti, Wise Business
GLM 4.7 FlashXAirwallex alternatives: Banking Circle, Cedar Money, PhotonPay, Stripe, Thunes, Tipalti, Wise Business
MiniMax M2.5Airwallex alternatives: Stripe, Thunes, Wise Business
Neither was the first choice, one was named
1 of 12 modelsThe answer put something else first and named one of the two as an alternative.Mistral SmallThunes, Wise Business alternatives: Airwallex, Nium
Neither was named
2 of 12 modelsThe answer made no first choice from these two in this category.Claude Haiku 4.5Wise Business alternatives: Thunes, Tipalti
Llama 4 Maverickno first choice
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Mid-marketThe figures above
Airwallex leads by twenty-eight points.
Airwallex33%#2 of 11OFX4%#4 of 11Enterprise
What the models said about Airwallex
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“their platform is fundamentally optimized for transactional operations rather than complex risk hedging programs” Gemini 3.5 Flash · paraphrase prompt · soft negative
“it is usually positioned more as an all-in-one platform than the cheapest option” Perplexity Sonar · budget prompt · soft negative
“Airwallex is the best all‑in‑one choice for mid‑market B2B companies needing multi‑currency accounts, multi‑entity control, and broad local payout coverage.” GLM 4.7 FlashX · direct prompt · first choice
“Two platforms stand out as the absolute best budget-friendly cross-border payment solutions ... Wise Business and Airwallex.” Gemini 3.5 Flash · budget prompt · first choice
“Start with Airwallex if you're growing cross-border ops needing full-stack tools, or Wise for simple, cheap transfers.” Grok 4.1 Fast · direct prompt · first choice
What the models said about OFX
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“OFX or XE Business become competitive only when you reach higher monthly volumes (≥$50k)” GLM 4.7 FlashX · budget prompt · soft negative
“OFX is excellent if you want a slightly more agile interface with strong personal support” Qwen 3.7 Flash · paraphrase prompt · first choice
“For a true "FX hedging + payments" combo in one tool, OFX is my top pick” DeepSeek V4 Flash · paraphrase prompt · first choice
“Best for Large Transfers + FX Hedging ... If you need simple hedging for large occasional payments: → OFX” Kimi K2 · paraphrase prompt · alternative
Also compared
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.