The Network Fee Is the Cheapest Part of Buying $BTC . So What Costs So Much? This March, Banca d’Italia sent 200 $USDC across 10 corridors. The total cost ranged from 0.3% to roughly 9%. The on-chain part averaged just 0.4%, and on the Brazil to Italy leg it was 0.01%. Almost everything else came from the edges: exchange fees, FX, fiat deposits and withdrawals. The UAE to Italy route shows it best. The sender could only fund the transfer with a card, and the card surcharge alone was 3.8%. Brazil had PIX, which settles in about three seconds, and Brazil to Italy cost 2.21%, about half of what Wise charged on that route. So if your app lets users buy $BTC or top up stablecoins, the payment menu at checkout decides a big part of their bill. Picture a user in São Paulo who only sees “Pay by card”. The surcharge hits every top-up, while PIX, the rail they use every day, isn’t even on the list. An on-ramp with local rails fixes that part. Kraken Ramp, for example, plugs in through one API and supports 24+ payment methods, including PIX, SEPA, ACH and cards. Orders run on the same liquidity pools as Kraken’s exchange. https://www.kraken.com/institutions/ramp?utm_source=coinmarketcap&utm_medium=onoffr_martin&utm_campaign=post Kraken doesn’t publish Ramp fees on the page, so you’d still compare quotes per method. But I’d check the rails list before the fee table. Which payment method do most of your users pick at checkout? 👇 ❗️Disclaimer: This is not financial or investment advice. Do your own research before making any decisions. Use at your own risk. #Macro Insights# #Altcoin Season#