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What exchange rate will be used if I deposit via cash or bank?

You set your account default currency when you create it (which you can change at any point). If your wallet currency is set to USD (or a currency different from the currency your bank account is in), a deposit will remain in the denomination you received it as. You will be able to view all digital fiat and digital currency balances in your account, in addition to seeing your default currency balance.

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