What crypto means by it
The percentage added on top of the real exchange rate when you spend in a currency your account does not hold. It is charged on the whole amount, so it scales with your holiday.
What you already know this as
The foreign transaction fee on a bank card, typically stated as one number that quietly bundles the network's cross-border charge and the bank's own margin.
In Kite: US dollar spends carry no added fee. Everything else is a flat 1.8%.
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