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How does Revolut calculate the cryptocurrency rates?

We stream the prices from the exchanges we’ve partnered with and calculate a Volume Weighted Average Price (VWAP). Our derived rate takes into account other factors such as market depth and volatility. We then apply a markup on our derived rate, which is the rate you receive in the app - this is dependant on what plan you are on. (See Fees Page for details) The price you pay is locked in at the time of the exchange settlement.

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