The 4 things I use to compare transfer services (after trying quite a few)

After testing different options, I’ve narrowed it down to 4 things that actually matter:

1. Final amount received (not just fees)
2. Speed consistency (not fastest case)
3. Route performance (depends on destination)
4. Reliability (how often things go wrong)

Everything else -- UI, marketing, even “instant” claims, is secondary.

Would love to hear different approaches to this.