Bands × HORO — financial

Band	Step	Description	fee %
CASH · cash	base	physical currency — no per-transaction fee	0
SEPA · SEPA transfer	share	euro area — free intra-bank / low fee	0
CARD · debit card	weave	EU interchange cap — 0.2-0.3% of value	0.003
WALLET · digital wallet	crest	PayPal / Stripe / Revolut Business — ~1.9% + fixed	0.019
CRYPTO · crypto on-chain	descent	gas fees vary — Lightning / L2 much cheaper	0.005
WIRE · wire transfer	round	SWIFT outside euro area — correspondent fees	0.025
FX · FX conversion	unity	bank rate + spread — 2-5% over mid-market	0.04

Sources (2)

• BIS — Committee on Payments and Market Infrastructures(2024-01-01)
• ECB — Single Euro Payments Area (SEPA)(2024-01-01)