Cross-border payments and FX · October 2026 Edition
Airwallex vs OFX
Eight of fourteen models named Airwallex first on the direct prompt; zero named OFX. Airwallex was named by fourteen of the fourteen models and OFX by nine and Airwallex carries 52 labels and OFX 14, so the shares are not directly comparable.
Named in twelve categories this edition.
Named in three categories this edition.
First-choice share20%4%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate4%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#2#5A position in a field of 13; printed, not drawn.
Labels5214A 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 fourteen direct answers. Wise Business vs Airwallex · Wise Business vs OFX · Airwallex vs Tipalti
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; 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 fourteen models made each the first choice, per way of asking, and how many argued against it.
AirwallexFirst choices, of fourteen modelsOFX
Direct801 against Airwallex
Paraphrase021 against Airwallex
Comparative40
Budget-constrained00
Scale-constrained20
Negative00
Bars are first choices, 0 to 14 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to fourteen.
Every model, every framing
The eighty-four 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 | | | ||||
| GPT-6 Luna | | | | | ||
| Muse Glimmer 30B | | |
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 not the choice
8 of 14 modelsOFX was named in the answer but not as the choice, or not at all.Gemini 3.5 FlashAirwallex, Tipalti alternatives: Corpay Cross-Border Payments, Ebury, Wise Business
Grok 4.1 FastAirwallex alternatives: Tipalti, Wise Business
DeepSeek V4 FlashAirwallex alternatives: Corpay Cross-Border Payments, Thunes, Tipalti
Qwen 3.7 FlashAirwallex alternatives: Tipalti, Wise Business
Kimi K2Airwallex, Tipalti alternatives: Wise Business
MiniMax M2.5Airwallex, Tipalti alternatives: Wise Business
GPT-6 LunaAirwallex alternatives: Corpay Cross-Border Payments, Wise Business
Muse Glimmer 30BAirwallex, Wise Business alternatives: Ebury, Thunes, Tipalti
Neither was the first choice, one was named
4 of 14 modelsThe answer put something else first and named one of the two as an alternative.Claude Haiku 4.5no first choice alternatives: Airwallex, Thunes, Tipalti, Wise Business
Perplexity SonarTipalti alternatives: Airwallex
Mistral SmallTipalti alternatives: Airwallex, Nium
GLM 4.7 FlashXTipalti alternatives: Airwallex, OFX, Wise Business
Neither was named
2 of 14 modelsThe answer made no first choice from these two in this category.GPT-5.4 miniWise Business alternatives: Payoneer, Stripe
Llama 4 MaverickWise Business alternatives: XTransfer
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
The order flips: Airwallex leads at mid-market.
Airwallex20%#2 of 13OFX4%#5 of 13Enterprise
Airwallex leads by twenty-two points.
Airwallex22%#1 of 11OFX0%#– of 11What the models said about Airwallex
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of five in this category shown.
“the strongest endorsement I found here is from Airwallex's own content, so I'd treat it as a contender rather than an unbiased winner” GPT-5.4 mini · direct prompt · soft negative
“Can feel complex/costly for pure hedging” Grok 4.1 Fast · paraphrase prompt · soft negative
“If your company is scaling quickly and needs to automate payments across a broad range of countries with a modern tech stack, Airwallex is often considered the top choice.” Qwen 3.7 Flash · direct prompt · first choice
“Choose Wise Business / Airwallex if priority is transparent mid-market FX, low transfer fees and multi-currency holding for SMB/mid-market teams.” Muse Glimmer 30B · direct prompt · first choice
“Airwallex is a strong overall choice for businesses that want international accounts, FX, payment acceptance, and payouts in one system” Llama 4 Maverick · comparative 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. Three of four in this category shown.
“For most mid-sized B2B companies, OFX offers the best balance of full hedging capability, competitive pricing, multi-currency payments, and accessibility.” DeepSeek V4 Flash · paraphrase prompt · first choice
“My default recommendation for a U.S.-based, mid-sized B2B company is OFX's Global Business Account” GPT-6 Luna · paraphrase prompt · first choice
“Better for larger, less frequent transfers because its no-transfer-fee model can be cost-effective” Perplexity Sonar · budget 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.