At what spot mark t rates do you do the conversions? Is it flat market or you have certain spread you add to the spot FX market?
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Good question. For fiat FX on card spend we use the card network’s rate with 0% FX fee from us, no hidden markup. For BTC↔USD conversions in-app, we quote you live pricing with a small, transparent spread (around 0.10%) included in the quote, and you see it before you confirm.