Trust · Updated regularly
The Honest Sheet
How we keep this honest: when we say no, when we may earn, and why that does not change the recommendation.
Rule 1
If stablecoins do not help, we say no.
Rule 2
If the best option pays us nothing, we still recommend it.
Rule 3
If there is a commercial relationship, we disclose it here.
Trust rule: if stablecoins do not help, we say no. If the best option does not pay us, we still recommend it. If there is a commercial relationship, it is disclosed here.
Some options pay us. Some do not. The table below is the commercial truth. We do not upgrade an option because it pays. If a non-paying option is cheaper, simpler, or a better fit, we still recommend it.
This page exists to make trust inspectable: what pays us, what does not, and whether we would still recommend the option at £0.
| Product | Earns us | User pays extra? | Would recommend if £0? | Status |
|---|---|---|---|---|
Revolut In-app GBP to USDC/USDT swap | Per successful referral, amount varies by user tier at Revolut. Typical £10-30 GBP. | No | Yes | Active |
Coinbase FCA-registered exchange (UK entity) | Variable per signup. Typically £10-20 GBP for verified UK users. | No | Yes | Active |
Kraken FCA EMI-authorised exchange (Payward Services Limited) | Pending confirmation | No | Yes | Active |
Gemini FCA-registered exchange (UK) | Pending confirmation | No | Yes | Active |
Coinbase USDC Loans Crypto-backed lending (Morpho on Base) | Nothing | No | Yes | Active |
Wise Traditional remittance comparison baseline | Nothing | No | Yes | Active |
Methodology
Fee calculations use the GBP to PHP as the canonical corridor and the rounding rule “nearest_10_gbp”. Stablecoin all-in cost is assumed at 0.50%.
Stablecoin transfers are not automatically cheaper than Wise for every corridor and amount. They are much cheaper than bank wires. Against Wise, savings depend on the off-ramp on the receiving side.
Update log
Database version UK_v1.1. Last updated 2026-04-22. We refresh fees and regulatory notes monthly, sooner if a partner status changes.
Found something wrong? Tell us and we’ll correct it.