Three ways to put money into IPX, and they don't cost the same. Card. Instant, and it carries a processing fee — roughly 3.5%. Bank transfer. Two to three days, and no card fee. USDC on Base. About two minutes, and it costs whatever the network costs, which is close to nothing. @IPXExchange shows all three side by side instead of quietly defaulting you to the expensive one. That's the part worth noticing. Because the real choice isn't "which payment method". It's which trade you're making: speed against cost. If you're buying a membership that will still be there tomorrow, waiting two days costs you nothing. If you're trying to catch a drop that closes in an hour, waiting costs you the drop. Most platforms hide that trade behind a single "pay" button, then take the fee and let you assume it was free. Here the trade is on the screen, which means you can actually make it. Rule of thumb: pay for speed only when the thing you're buying is time-sensitive. Otherwise let the bank do it for free.