arpDigital
SAR → INR · Revenue Simulator
Annual revenue uplift via ARP
$10.2M / yr
Extra margin Barq captures on $100M/month of India-corridor volume by sourcing INR through ARP — on top of the FX revenue it already earns.
$850K per month · 85 bps better than Barq's current sourcing cost
Barq keeps charging its customers exactly as today. This is the improvement on the sourcing leg only — ARP delivers INR above mid-market, so Barq's cost drops and its FX margin widens.

SAR→INR rate stack vs mid-market

+85 bps
margin gain
mid-market25.4447
ARPBarq sources here
ARP
25.59
Barq costassumed sourcing
Barq now
25.37
Barq app rate
customers see
25.19
Dashed = XE mid-market. Hatched band = the sourcing improvement ARP delivers. Dotted line = Barq's customer app rate (the 80 bps FX revenue below stays with Barq).

Set the scenario

$100M
Assumption
30 bps
Assumes Barq earns ~80 bps of FX revenue on its customer rate (25.19, ≈101 bps below mid), leaving a sourcing cost of ~30 bps below mid. Adjust if you have a firmer figure — this is a stated assumption, not observed.
Uplift / month
$850K
extra margin for Barq
Sourcing gain
85
bps vs current cost
Per 1 SAR sent
+0.22
more INR sourced
Verified rate sourceschecked live · 13 Aug 2026
XE.com
25.4447
mid-market
SAR → INR converter. Mid-market rate at 13:33 UTC. The independent benchmark both sides trust.
Barq app
25.1876
−101 bps vs mid
Price Estimator — India, bank account, 0 fee. Beneficiary receives 25.19 per SAR: the customer rate today.
ARP · +25 bps
25.51
+25 bps vs mid
Send Money quote — India, 100 SAR. Est. saving +0.25% vs mid. Conservative pricing.
ARP · +55 bps
25.59
+55 bps vs mid
Send Money quote — India, 100 SAR. Est. saving +0.55% vs mid. Same engine, tighter to the corridor premium.
Every figure above is a live screen capture from its source, taken 13 Aug 2026. Original screenshots available on request.

How the uplift is calculated. Uplift = volume × (ARP rate − Barq's sourcing cost) ÷ mid-market. ARP rate = mid + the selected premium; Barq's sourcing cost = mid − the assumed spread. SAR is pegged to USD at 3.75, so ARP prices the USD/INR leg and expresses it as SAR/INR. Rates are point-in-time (13 Aug 2026); refresh at quote time.

The assumption, stated plainly: Barq's observed customer rate is 25.1876 (≈101 bps below mid). We assume ~80 bps of that is Barq's own FX revenue, which it keeps unchanged, implying a sourcing cost of ~30 bps below mid. This simulator compares ARP only against that sourcing cost — so the uplift shown is incremental margin, not a claim on revenue Barq already earns.