[amluto]

> We use the interbank rate from global exchanges.

What, exactly, is that?

Do you mean the rate your provider charges you for the transaction in question? (Do you do your internal FX transactions as one upstream transaction per client transaction or do you group them? That will affect the rate.).

Do your rates have a spread? (Your website makes it sound like you only convert one way, so it’s easy to pretend spreads don’t exist.)

Do you actually believe that the best pricing comes from an interbank rate on a global exchange? That’s an interesting theory.

For what it’s worth, for major currency transactions under normal circumstances, the actual market spreads are tiny and not worth worrying about. Certainly for any transaction of reasonable size for a service like this, they are likely to be in the noise. But FX is not free, and if you let people move $100k at a time, it matters.