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Currensea
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== Monetisation strategy<ref name=":0" /> == Currensea has multiple revenue streams: * Card interchange (paid by the merchant when the card is used) * Card FX (a 0.5% spread on its Essential card) * Subscriptions (the annual charges its premium and Elite cards) * Transfer FX (a 0.5% spread on international transfers) But also low costs: Holding a customer's money is expensive. Regulation, financial crime, cyber etc. The risks are just so high. Currensea has built its technology to be as secure as any bank, but unlike challenger banks or pre-pay cards, the company doesn’t hold its customers money, so it doesn’t have those massive costs. Currensea reckons high-street banks are pretty good at doing that, they’re just not so good at some of the other things.
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