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Where are you located? I send a fair amount of SWIFT wires, and they cost at most $25 and clear the next day.

Within the eurozone (the 20 countries using the euro), there’s SEPA instant credit which clears in less than ten seconds, is available 24/7, and costs practically nothing (a few cents). It’s a fine example of how thoughtful regulation can enable a system that is better than any crypto solution.


If only we all had such thoughtful regulation, yet we are not all so fortunate as those in Europe.




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