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Banks hide their fees inside the exchange rate. We show you the real rate and charge you a small honest fee. It's not complicated. They just don't want you to know.
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I left Citigroup because I realized big banks would never serve average Americans well. The incentives don't align.
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Rather than competing with one another, it's really more of a symbiotic relationship. The amount of business that banks do with us now is more than it has ever been.