As mentioned in the original white paper, the network relies on pay-in and payout brokers to facilitate near instant payments with any fiat or cryptocurrency, and near-instant merchant payouts into any fiat or cryptocurrency. What follows is a more detailed description of how the system operates along with the fees that are present. Read full blogpost at https://www.graft.network/2018/07/27/pay-in-payout-exchange-brokers-design-and-economics/