So if a US user receives funding through direct deposit to a BitWage routing number, to have BitWage convert it USD and send it to a BTC address, there is 0% spread in the BTC price, and 0% fees. Is that correct?
If so, what exchange is being used for the spot price?
There is a spread that is applied. It would be around 1% in the above scenario, for BTC output. And no withdrawal fees.
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And where is this mentioned on your website?