RemitCompare

What RemitCompare is for

"I'm sending $1,000 at an 83 mid-market rate with a $5 fee and a 2% exchange-rate margin — what does the recipient actually get", "compare a $30 flat fee with no margin against a $0 fee with a 5% margin", "why does sending money to some countries cost more than others" — the math behind understanding what a money transfer REALLY costs, beyond the one fee number a provider advertises.

What it does

true_cost_calculator takes a send amount, a mid-market exchange rate, and any combination of a flat fee, a percentage fee, and a hidden exchange-rate margin (a markup below the mid-market rate that providers apply to the actual conversion but rarely disclose as a "fee"), and computes exactly what the recipient receives, the true total cost in both the send and receive currency, and the effective total cost as a percentage of the amount sent. compare_transfer_options runs the same computation across two or more hypothetical fee structures at once and ranks them by what the recipient actually ends up with — demonstrating that the option advertising the lowest fee is not always the cheapest once a hidden FX margin is counted. remittance_glossary defines the underlying concepts: mid-market rate, FX margin, flat vs. percentage fee, landed cost, corridor, correspondent banking, value date, cash pickup. corridor_cost_factors is a generic reference — not tied to any specific country pair's live rates — on why some currency corridors cost more to send through than others: liquidity, provider competition, correspondent-banking chain length, regulatory burden, volatility, and delivery method.

What it is not

Not tied to, and does not quote, any named money-transfer provider's live rates — every number comes from the mid-market rate and fee structure you supply as a hypothetical or as what a provider told you. It does not process real transfers, move money, or store any real payment credentials or account information. Real mid-market rates move constantly; always check your chosen provider's actual quoted rate and fee at the moment you send money rather than relying solely on a figure computed here.

Built and maintained by Unify Dynamics LLC. Contact: agent@connectorbay.com.

RemitCompare — Privacy Policy

Effective 28 September 2026. Unify Dynamics LLC ("we", "us"), Menlo Park, California.

What RemitCompare is. RemitCompare is a connector (an MCP server and REST API) that AI assistants and personal agents call on your behalf to run a hypothetical remittance-cost calculation or comparison. It does not process real money transfers. You interact with your assistant; the assistant sends us only the numbers needed for that one calculation.

What we receive. The arguments of each tool call — a send amount, a mid-market exchange rate you supply, and hypothetical fee figures (flat fee, percentage fee, FX margin), or a glossary/reference term — the technical headers needed to serve the request (an IP address or a client identifier supplied by the assistant, and a Pro API key if you have one), and standard server logs.

Everything is computed locally from the numbers you provide, and nothing is stored. There is no upstream call of any kind — this connector holds no live exchange-rate feed and does not connect to any named money-transfer provider — and no request, including any amount or rate you enter, is logged in request bodies, recorded, or used to train anything.

What we do not receive or store, and what we never process. We do not receive your conversation with the assistant, and we do not build a profile from your queries: each request is computed independently and nothing carries over between requests. RemitCompare does NOT process real money transfers, does not move money, and does not receive, request, or store real payment credentials, bank account numbers, card numbers, or recipient personal information of any kind — it is a pure calculator over numbers you type in. Rate-limit counters (a client identifier and timestamps) are held in memory for at most 24 hours. Hosting-provider access logs, which contain IP addresses and request paths but not request bodies, are retained for up to 30 days for security and abuse prevention.

Sub-processors. None — every calculation runs locally with no dataset and no upstream call of any kind. Hosting: Vercel (United States regions).

Legal bases and your rights. Our processing is necessary to provide the service you request through your assistant. Because we store no personal data beyond short-lived logs, requests to access, correct or delete personal data are usually satisfied automatically; you can still contact agent@connectorbay.com and we will respond within 30 days. We do not sell or share personal information and do not use your data to train models.

Children. RemitCompare is a general-audience service for adults; we knowingly collect no personal data from anyone.

Changes. We will post changes here with a new effective date.

RemitCompare — Terms of Service

Effective 28 September 2026. These terms govern use of the RemitCompare connector ("the Service") operated by Unify Dynamics LLC ("we", "us").

1. The Service. RemitCompare is an educational methodology tool that computes the true cost of a hypothetical money transfer — combining any flat fee, percentage fee, and hidden exchange-rate margin you describe — and compares hypothetical fee structures. It is accessed through an AI assistant or directly over MCP or HTTP.
2. Not a money-transfer service, and not tied to any named provider. RemitCompare does NOT process real transfers, move money, quote any specific money-transfer provider's live rates, or store real payment credentials or recipient information of any kind. Every result is computed purely from the mid-market rate and fee figures you or your assistant supply.
3. Not financial advice. Output is general educational information illustrating how transfer costs work — not a recommendation to use, or avoid, any specific provider or method, and not individualized financial advice.
4. Rates you supply, not live rates. The accuracy of any result depends entirely on the mid-market rate and fee figures supplied in the request. Real mid-market rates change continuously; always verify your actual provider's quoted rate and fee at the time you send money.
5. Acceptable use. Automated use within the published rate limits is welcome.
6. Availability. The Service is provided "as is" without warranty. We may change, limit or discontinue it at any time.
7. Data. Our Privacy Policy describes what we process. In short: every calculation is computed locally from the numbers you provide, no real transfer is processed, and nothing is stored.
8. Pro keys. Optional Pro API keys are issued at our discretion, are personal to the holder and may be revoked for abuse.
9. Liability. To the fullest extent permitted by law, Unify Dynamics LLC is not liable for any loss arising from use of, or reliance on, the Service, including any discrepancy between a hypothetical calculation here and an actual transfer's real-world cost. Our total liability is limited to US $100.
10. Governing law. California law; venue in San Mateo County, California.
11. Contact. Unify Dynamics LLC · agent@connectorbay.com · https://connectorbay.com/remitcompare

RemitCompare support

Email agent@connectorbay.com. We answer within two business days.

• MCP endpoint: https://remitcompare.connectorbay.com/mcp
• REST API: https://remitcompare.connectorbay.com/openapi.json
• Live status: https://remitcompare.connectorbay.com/health

When you report a problem, include the question you asked your agent, roughly when, and which agent you used (for example Claude, ChatGPT or Gemini). Never send us passwords, account numbers or ID numbers. RemitCompare never asks for them.