In a year, I exchanged about 23 thousand dollars here and now I receive a 0.4% discount on all exchanges. This amount is deducted from the commission, and sometimes I manage to save more than half of it. Therefore, this exchange service now looks much more advantageous compared to others. However, if we consider exchanges without the discount, 365cash sometimes falls short on rates. Overall, the rates are regularly updated based on demand, and the exchange maintains them at an average level. For example, for a single-currency transfer (dollar to dollar, but to different wallets, "PM" to "Payer"), the commission is 0.7%, and with the discount, it’s only 0.3%. The advantage is that you can exchange currency in many directions without the involvement of operators, allowing you to use the service around the clock. However, cryptocurrency exchanges are only available during working hours. The reserves are large, which allows for transactions with significant amounts when necessary. Applications are processed quickly, and the longest waiting time I experienced was 15 minutes.