Review 09 · Markets & Capital
Money.
A rates desk that uses the numbers institutions publish and prints the day each one belongs to. In our test, the Treasury's own feed was slower than the page is willing to wait.
- Tested 27 September 2026, 20:10–20:23 UTC
- Where the work happens straight from the source to your browser
- Against Xe Currency Converter, Wise currency converter, US Treasury par yield curve page
1What it is, and who it is for
Money is a rates desk. An FX board shows the 29 currencies the European Central Bank fixes, against any base you choose, each with its daily move; a converter works both ways; the US Treasury par yield curve is drawn today against a year ago; and any currency pair can be charted over twelve months. No key, no account, and every figure is stamped with the day it was fixed.
It is for people who want official reference rates rather than a dealer's quote, for invoices, accounts or travel budgets, and for anyone following the yield curve.
2How it works
All of it runs in your browser (money/assets/js/app.js 1–8). FX comes from the ECB's daily reference rates through the Frankfurter API: one ranged call over ten days gives the board and the daily move (93–112), and one 365-day call for a single pair draws the chart (339–356).
Yields come from the Treasury's own month-scoped XML feed of Daily Treasury Par Yield Curve Rates, parsed with DOMParser. If the current month has no rows yet, the page falls back to the previous month, and the year-ago curve is the row nearest to 365 days back (201–245). Ten tenors are drawn, from 3 months to 30 years. Each request has a 15-second abort; the two feeds fail independently; and the page re-reads at most every 30 minutes, and only while the tab is visible (36–37, 75–83, 434–437).
3The test
We loaded the page from the local 537 copy and reproduced its three reads: the ten-day board, a one-year pair, and the Treasury's September feeds for 2026 and 2025.
Loaded the page.
HTTP 200, 51,132 bytes; app.js 20,001 bytes.
The board: ten days, base USD.
HTTP 200 in 0.04 s, 2,827 bytes, access-control-allow-origin: *. Seven banking days, 17 to 25 September; 29 currencies. USD to EUR 0.87696 on the 25th against 0.87974 the day before.
The Treasury feed for September 2026 and September 2025 (retimed at 20:19:10).
The data came (18 rows to 25 September; 10-year 5.17, 2-year 4.81, 30-year 5.49), but slowly: 17.1 s on the first try, then 16.1 s and 20.5 s to first byte. All three were past the page's 15-second abort.
The one-year chart, USD to EUR.
HTTP 200 in 0.32 s, 7,449 bytes; 255 banking days, 26 September 2025 to 25 September 2026.
4Against the field
Each rival was read on its own pages on the test day. Pencil marks what it does better; red, where Money goes further.
Xe Currency Converter
xe.com · checked 27 September 2026, 20:20 UTC
A converter with live mid-market rates for over 100 currencies, historical rates, free alerts and money transfer. It says its rate is for information only, not the rate you get when sending money.
In pencil
- A continuously updated mid-market rate, where the ECB fixes once a banking day.
- Over 100 currencies, free rate alerts and longer history.
In red
- An official central-bank fixing, named, with its date on every figure: a rate an accountant can cite.app.js 2–4, 106–110
- The US Treasury par yield curve, today against a year ago, beside the board.app.js 5–6, 236–245
Wise currency converter
wise.com · checked 27 September 2026, 20:20 UTC
A converter for 140 currencies at the mid-market rate, with interactive charts of up to five years, rate alerts and international money transfers.
In pencil
- 140 currencies and five years of history.
- It moves money, and alerts you when a rate improves.
In red
- No account, key or relay: the page reads public sources directly and names where each number came from.app.js 1–8
- Any base currency for the whole board at once, with each currency's daily move.app.js 93–140
US Treasury par yield curve page
home.treasury.gov · checked 27 September 2026, 20:20 UTC
The Treasury's own table of daily par yield curve rates, fourteen tenors from 1 month to 30 years, with CSV and XML downloads and archives.
In pencil
- The complete table, all fourteen tenors every day, with downloads and archives.
- It is the authority; Money is one of its readers.
In red
- It draws the curve as a shape, today against the nearest day a year ago, instead of rows of figures.app.js 228–245
5Where it falls short
- A slow source. The Treasury feed took 16 to 20 seconds in our test, past the page's 15-second abort, so the curve would not have drawn.
- Once a day. ECB rates are fixed once per banking day: up to a day old by design, with nothing new at weekends or on ECB holidays. It is not a live market rate.
- Narrow. 29 currencies; no alerts, no history beyond a year, no transfers.
- Ten tenors, not fourteen. The 1, 1.5, 2 and 4-month bills in the Treasury's table are left out.
6The verdict
Money is the right desk when you need a rate you can cite and the day it applies to, and the wrong one for a live quote; its yield curve depends on a Treasury feed that, on test day, answered too slowly for it.
- In red ink
- Official ECB fixings with their dates, the Treasury's own feed parsed in the page, two feeds that fail separately, and restrained re-reads.
- In pencil
- For live mid-market rates, alerts and transfers, Xe or Wise; for every tenor, the Treasury's own table.