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A stablecoin transfer that costs one dollar in fees can cost you forty in total. The other thirty-nine do not appear on any fee schedule, which is exactly why almost nobody counts them. If you are about to open an account for stablecoin transfers, my referral code is BBBKK at https://www.binance.com/register?ref=BBBKK - roughly 20% off spot trading fees - and the thirty-second verification described later is what makes the discount real rather than hypothetical. Now the four layers.
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Yinghui Chen (2026) studied this question.
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