{ "studyId": "arci-v2-2026-q3", "version": "v1.0.0", "publishedDate": "2026-04-28", "windowLabel": "Q3 2026", "edition": "2026-Q3", "baseline": { "assetSymbol": "BTC", "buyAmountUsd": 100 }, "source": { "cardUrl": "https://augea.io/cheapest", "bankUrl": "https://augea.io/cheapest?rail=bank", "note": "Country summary values transcribed from the live /cheapest by-country tables (median, range, lowest asset) for the latest captured snapshot. Per-asset cost data for ETH and Tier B assets is not yet captured at headline grade in this edition; those cells appear in the dataset as `tracked` rows pending Phase 2 ingestion.", "truthAdapter": "cheapest-country-summary-truth/v1", "sourceSurface": "/cheapest", "snapshotLabel": "Latest captured /cheapest snapshot (Q3 2026)", "snapshotId": null, "capturedAt": "2026-04-28" }, "countryTiers": { "A": [ { "iso2": "AU", "name": "Australia" }, { "iso2": "CA", "name": "Canada" }, { "iso2": "DE", "name": "Germany" }, { "iso2": "FR", "name": "France" }, { "iso2": "GB", "name": "United Kingdom" }, { "iso2": "NL", "name": "Netherlands" }, { "iso2": "PL", "name": "Poland" }, { "iso2": "SE", "name": "Sweden" }, { "iso2": "SG", "name": "Singapore" }, { "iso2": "US", "name": "United States" }, { "iso2": "IT", "name": "Italy" }, { "iso2": "ES", "name": "Spain" } ], "B": [ { "iso2": "CH", "name": "Switzerland" }, { "iso2": "NO", "name": "Norway" }, { "iso2": "DK", "name": "Denmark" }, { "iso2": "FI", "name": "Finland" }, { "iso2": "BE", "name": "Belgium" }, { "iso2": "AT", "name": "Austria" }, { "iso2": "PT", "name": "Portugal" }, { "iso2": "NZ", "name": "New Zealand" }, { "iso2": "JP", "name": "Japan" }, { "iso2": "KR", "name": "South Korea" } ], "C": [ { "iso2": "BR", "name": "Brazil", "tierCReason": "currency_volatility_breaks_median" }, { "iso2": "MX", "name": "Mexico", "tierCReason": "thin_adapter_coverage" }, { "iso2": "IN", "name": "India", "tierCReason": "regulatory_uncertainty" }, { "iso2": "TR", "name": "Turkey", "tierCReason": "currency_volatility_breaks_median" }, { "iso2": "AR", "name": "Argentina", "tierCReason": "currency_volatility_breaks_median" }, { "iso2": "NG", "name": "Nigeria", "tierCReason": "thin_adapter_coverage" }, { "iso2": "PH", "name": "Philippines", "tierCReason": "thin_adapter_coverage" }, { "iso2": "TH", "name": "Thailand", "tierCReason": "regulatory_uncertainty" }, { "iso2": "ID", "name": "Indonesia", "tierCReason": "regulatory_uncertainty" }, { "iso2": "VN", "name": "Vietnam", "tierCReason": "regulatory_uncertainty" } ] }, "assetTiers": { "A": [ "BTC", "ETH" ], "B": [ "SOL", "XRP", "ADA", "DOT", "LTC", "BCH", "AVAX", "LINK", "MATIC", "UNI", "ATOM", "XLM", "DOGE" ], "C": [ "USDC", "USDT" ], "D": [ "PEPE", "SHIB", "TAO" ] }, "railTiers": { "1": [ "card", "bank" ], "2": [ "sepa", "faster_payments", "blik", "swish", "interac", "payid", "ach", "paynow" ], "3": [ "paypal", "apple_pay", "google_pay", "cash_app", "venmo" ], "4": [ "klarna", "stablecoin_polygon", "stablecoin_tron" ] }, "reasonCodeDictionary": { "benchmark_ready": "Cell clears the headline benchmark threshold and powers headline claims.", "appendix_ready": "Cell clears the appendix threshold but not the headline threshold; visible with MID/LOW confidence label.", "no_data_yet": "Cell is in Augea's supported or actively-planned universe; no usable benchmark data captured yet.", "insufficient_rankable_rows": "Fewer than the appendix-tier rankable-row threshold; cell ships as tracked.", "stale_coverage": "Median row freshness is STALE (> 30 days); excluded from ranked output.", "missing_fee_or_spread": "Core ScoreVector numeric fields are > 50% null on rows for this cell.", "low_route_availability": "Rail unsupported or partial across most exchanges in the country.", "methodology_not_yet_approved": "Cell would require a doctrine ratification (rail, asset, or path) before publication.", "stablecoin_route_slice": "Stablecoin route entry/exit cost; surfaced in the dedicated route slice with separate methodology.", "long_tail_methodology_required": "Asset requires a reflexivity-aware methodology pre-commit before headline or appendix inclusion.", "local_rail_threshold_not_met": "Local rail (e.g. SEPA, BLIK) does not yet have ≥ 5 exchanges reporting in this country.", "unsupported_route": "Route is structurally unsupported in this country (e.g. SEPA outside Europe).", "currency_volatility_breaks_median": "Country-level currency volatility breaks the per-country median methodology.", "regulatory_uncertainty": "Regulatory framework introduces noise or risk; cell tracked, not benchmarked.", "thin_adapter_coverage": "Fewer than 3 adapters report data for the cell." }, "inclusionStateCounts": { "headline": 9, "appendix": 11, "tracked": 884, "no_data_yet": 20 }, "rowCount": 924, "headlineCells": [ { "iso2": "AU", "countryName": "Australia", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.2, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "DE", "countryName": "Germany", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "FR", "countryName": "France", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "GB", "countryName": "United Kingdom", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.2, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "NL", "countryName": "Netherlands", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "PL", "countryName": "Poland", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "SE", "countryName": "Sweden", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.2, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "SG", "countryName": "Singapore", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "rankableExchangeCount": 5, "rankableRowCount": 5, "freshnessBucket": "FRESH" }, { "iso2": "US", "countryName": "United States", "rail": "bank", "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "rankableExchangeCount": 6, "rankableRowCount": 6, "freshnessBucket": "FRESH" } ], "citation": { "reportUrl": "/reports/arci-v2-2026-q3", "methodologyUrl": "/methodology/arci-v2", "dataUrl": "/data/reports/arci-v2-2026-q3", "pressUrl": "/reports/arci-v2-2026-q3/press", "licenseUrl": "https://creativecommons.org/licenses/by/4.0/", "preferredCitation": "Augea, Augea Retail Cost Index v2 — 2026 Q3 Edition (Augea Research, 2026), https://augea.io/reports/arci-v2-2026-q3, accessed [DATE]. CC-BY-4.0.", "previousEditionUrl": "/reports/retail-crypto-cost-benchmark-2026-q2", "previousEditionLabel": "ARCI v1 — 2026 Q2 Edition" } }