thanks Tytanowy Janusz, good info.

I guess one question I would have is if you can get Bitcoin at such low rates, why pay 1.49% even 0.99% when you can get it for less than .1% on Binance?

I assume it's like Coinbase versus Coinbase pro I have heard that Coinbase pro has lower rates. So the question is if there's no difference why do they charge more for one than the other? I'm kind of confused as to why I've been buying on these exchanges at higher rates.

I've been buying at Swan Bitcoin at 1.49% and then after $5,000 in one year it drops down to 0.99% but even that is high compared to a 0.1% so wtf?