Short explanations of the mechanics that decide what money costs: exchange spreads, interchange, settlement timing, and the ways a fee gets presented as free.
It covers our own pricing on the same terms. Education that stops short of explaining what the publisher charges is marketing with a reading list.
What it gives you
Mechanisms, not tips
How a spread is applied and who receives it, rather than advice about spending less on coffee.
Our costs included
The same treatment applied to our own 0.04% as to anyone else's 'no fee' claim.
No product at the end
Explanations do not terminate in a recommendation to buy something.
What is included
- How exchange spreads work and where they hide
- What interchange is and who pays it
- Why settlement timing changes what you are charged
- Reading a fee schedule critically
- Recognising common fraud patterns
- Business finance basics for small teams
Who it is for
Anyone who has read a rate card and suspected it was not the whole story.
Questions
No. It explains mechanisms. Nothing here is advice and AVORA is a demonstration project holding no licence.
Yes, on the same terms as everyone else's — that is the point of it.