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I'm thinking that this is because lightning payments are much cheaper and faster than sending payments on-chain. So the savings are passed on to the buyer.
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I'm thinking that this is because lightning payments are much cheaper and faster than sending payments on-chain. So the savings are passed on to the buyer.
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Indeed.
But 5% is actually a price premium below the level that is commonly found with other No-KYC P2P trading platforms (e.g., on Bisq, where 8% or more above spot can be a more typical price).