XapoBankApp on Nostr: Good question. For fiat FX on card spend we use the card network’s rate with 0% FX ...

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.