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The XCOYNZ Exchange enables Individuals to set their own fee when exchanging their Crypto assets. This will be based on a recurring annual allowance from the time of first registration, with further loyalty bonuses being awarded based on periodic exchange activity volume. This is a ground-breaking incentive in the Crypto world and will disrupt the way business is done for Cryptocurrency exchanges in the future. Users of the XCOYNZ Exchange will also have the ability to transfer from one’s Individual wallet, or even the XCOYNZ SAW - to another Individual’s bank account as fiat.