Cair

Payout planner for prize winners and freelancers outside the US

The payout route a chatbot can't get wrong.

Tell Cair who is paying you, how much, and where you live. It refuses payout options that can't deliver to your country, tells you what goes on W-8BEN line 10, and shows the source of every amount, rate and treaty article. Where no primary source exists, it says UNCLEAR.

Your payout

Which options does the payout form show you?

About 10 seconds: the checks run in a fixed order, then the explanation is checked against them.

Payout plan

Devpost → Indonesia

plan EE3W412A trace 586368705f8d…

Which option · Pilih yang mana

  • Payoneer DELIVERS1
  • Wise REFUSED2 Due to local financial regulations in Indonesia, personal Wise account holders with an address in Indonesia can no longer hold money or currencies in their account.

Pick Payoneer.

Your W-8BEN · Formulir pajak3

Lines 1–8
Your own details, as on your passport. Cair does not fill these.
Line 9
Only if you claim treaty benefits (IRS instructions). Cair does not decide this line.
Line 10
Leave blank4 — the US treaty with this country has no Other Income article. Nearest articles in the treaty text: Art. 15 Independent Personal Services; Art. 17 Artistes and Athletes; Art. 16 Dependent Personal Services.

What lands · Yang diterima

Gross6$7,000.00
US withholding 30%5− $2,100.00

In your Payoneer — at most

$4,900.007 UNCLEAR

Before the receiving fee — the provider does not publish it, so Cair does not guess it.

To your bank — at most

IDR 87,616,9008

At the ECB reference rate, before the provider's conversion margin.

1 USD = 17,881 IDR · ECB reference rate, as of 2026-10-098

In plain words

You should pick Payoneer because it delivers to Indonesia. Wise is refused, as personal account holders in Indonesia can no longer hold money or currencies there according to Wise. A W-8BEN applies. Leave line 10 blank because the US treaty with Indonesia has no Other Income article. The withholding rate is 30%, so $2,100.00 is withheld from your $7,000.00 payment, leaving $4,900.00 after withholding. The exact amount that lands is UNCLEAR. The upper bound is $4,900.00 before the receiving fee. In local currency, the upper bound is IDR 87,616,900 at the ECB reference rate of 1 USD = 17,881 IDR as of 2026-10-09, before the provider's conversion margin. The final landed amounts depend on fees and margins not specified here. This is not tax advice; Cair explains forms and never files them.

How this plan was checked

  • 6 tool calls (fee_calc, fx_quote, platform_rails, rail_eligibility, treaty_lookup) ran in a fixed order; the route was decided by code, not by the model.
  • Provenance guardrail: PASSED.
  1. rail_eligibility · PAYO-ID · www.payoneer.com/id/ · read 2026-10-10
  2. rail_eligibility · WISE-ID · wise.com/help/articles/7GuCMPA7SYaX3NFgM3uxgp/changes-to-… · read 2026-10-10
  3. platform_rails · DP114 · help.devpost.com/article/114-how-to-claim-your-hackathon-… · read 2026-10-10
  4. treaty_lookup · TRTY-ID · www.irs.gov/pub/irs-trty/indo.pdf · read 2026-10-10
  5. treaty_lookup · IRS-P515-30 · www.irs.gov/publications/p515 · read 2026-10-10
  6. your input · the amount you entered
  7. fee_calc · Decimal arithmetic on the cells above; no figure comes from the model
  8. fx_quote · ECB reference rate via api.frankfurter.dev, as of 2026-10-09

Got paid? Tell Cair what landed

Cair reads its quote back from the neatlogs trace and records the comparison. Cair stores amounts, never names; the question you typed is sent to the model and traced.