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Thanks for the rsvp Xpays, I've been back and forth via email with them as well.
Seems a little odd to me that you cannot see the fee structure before signing up.
Another thing I don't understand is the process of payment/escrow... HM states they don't provide escrow services, but says "we instead collect the payment using safe-transfer services to ensure that the exchange completes successfully and without issue", isn't that the same as escrow?
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