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This episode examines LBank’s deployment of direct fiat-to-crypto infrastructure through SEPA, SEPA Instant, and Wire transfer support, the two-tier promotional structure designed to separate deposit behavior from trading activity, and the broader closed-loop payment architecture connecting bank transfers to spot purchases, derivatives products, and merchant payment channels. We cover the mechanics of the Fiat Deposit and Buy Crypto by Fiat Balance features, the cost structure and settlement characteristics of different payment rails, the incentive design channeling users toward futures trading, and how the platform integrates these features with LBank Pay and the forthcoming LBank Card to reduce reliance on external processors while maintaining control over the fiat-to-crypto workflow.