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the fees on exchanges are very small compared to paypal and similar products. Coinbase Pro fees are less than 0.6% and go down to nearly 0%.

for payments over 10K the fees may be less than Wise or a wire, and faster.

for average users the end game is L2 and direct on- and off- ramps from CEX and services like Ramp, and more payment processors accepting crypto so off-ramps will not be always needed. fees in L2 are in cents.