I agree! But all I want to do is move my money as quickly as possible. I want to give NEO that spread 
But as a consumer, I see that sending to card is faster, no fees (even though they’re baked in), and gives me more exchange than send to account.
Totally agree! I actually think this is a super cool way to move money, I’m glad you shared it. You’ve got me thinking.
I don’t know when that screenshot was taken exactly but in the very best case, it looks like they are charging at least 1.7% on top of the mid-market exchange rate. The worst case for send to card, looks like 2.5%.
For smallish amounts, that seems reasonable but I would not want to send a big chunk this way.
Also, the cash pickup option appears to be much worst at 14-15%.
Cash pick tends to be a credit risk problem. People who suddenly withdraw all their money into cash have a tendency to not pay it back, so the fees get crazy.
Nice work with the historical rate analysis, I have been meaning to finish my math on this one for a week now.
When you partner, do you not add more fees??
What do you mean by “when you partner”? Can you clarify that for me, a bit?
