{ "study_id": "retail-crypto-cost-benchmark-2026-q2", "version": "v1.1.0", "published_date": "2026-04-21", "window_label": "Latest captured /cheapest snapshot (Q2 2026)", "source": { "card_url": "https://augea.io/cheapest", "bank_url": "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.", "truthAdapter": "cheapest-country-summary-truth/v1", "sourceSurface": "/cheapest", "snapshotLabel": "Latest captured /cheapest snapshot (Q2 2026)", "snapshotId": null, "capturedAt": "2026-04-21" }, "baseline": { "assetSymbol": "BTC", "buyAmountUsd": 100 }, "coverage": { "countries": 10, "cardCountryRoutes": 10, "bankCountryRoutes": 10, "comparableAssetsPerCountry": 18 }, "claim_gate": { "preferredPair": { "rail": "card", "highCountryIso2": "CA", "highCountryName": "Canada", "lowCountryIso2": "PL", "lowCountryName": "Poland", "ratio": 3.5, "percentHigher": 250, "highMedianPct": 4.9, "lowMedianPct": 1.4, "highRangeLowPct": 4.1, "lowRangeHighPct": 1.6, "comparableCount": 18, "rangeNonOverlap": true, "qualifies2x": true, "qualifies3_5x": true }, "strongestPair": { "rail": "card", "highCountryIso2": "CA", "highCountryName": "Canada", "lowCountryIso2": "PL", "lowCountryName": "Poland", "ratio": 3.5, "percentHigher": 250, "highMedianPct": 4.9, "lowMedianPct": 1.4, "highRangeLowPct": 4.1, "lowRangeHighPct": 1.6, "comparableCount": 18, "rangeNonOverlap": true, "qualifies2x": true, "qualifies3_5x": true }, "selectedPair": { "rail": "card", "highCountryIso2": "CA", "highCountryName": "Canada", "lowCountryIso2": "PL", "lowCountryName": "Poland", "ratio": 3.5, "percentHigher": 250, "highMedianPct": 4.9, "lowMedianPct": 1.4, "highRangeLowPct": 4.1, "lowRangeHighPct": 1.6, "comparableCount": 18, "rangeNonOverlap": true, "qualifies2x": true, "qualifies3_5x": true }, "selectedHeadlineWording": "In matched card routes, Canada is 3.50× Poland (4.9% vs 1.4%).", "selectedSafeWording": "Canada median card cost is 3.50× Poland in this benchmark slice (BTC, $100), with ranges 4.1%+ vs up to 1.6%.", "selectedResearchWording": "Cross-country dispersion in card-rail retail BTC costs: CA vs PL ratio 3.50× using live country-level median/range summaries.", "selectedClickableWording": "Why does the same BTC buy cost 3.50× more in Canada than Poland?", "fallbackReason": null, "gate": { "preferredHighCountryIso2": "CA", "preferredLowCountryIso2": "PL", "preferredRail": "card", "minComparableCount": 10, "minRatioFor2xLanguage": 2, "minRatioFor3_5xLanguage": 3.5 } }, "country_rail_rows": [ { "countryIso2": "AU", "countryName": "Australia", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.2, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.2, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "CA", "countryName": "Canada", "rail": "bank", "comparableCount": 18, "medianPct": 0.3, "rangeLowPct": 0.3, "rangeHighPct": 0.8, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.3, "lowestAssetHighPct": 0.3, "medianUsdOn100": 0.3 }, { "countryIso2": "DE", "countryName": "Germany", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.1, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "FR", "countryName": "France", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.1, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "GB", "countryName": "United Kingdom", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.2, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.2, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "NL", "countryName": "Netherlands", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.1, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "PL", "countryName": "Poland", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.1, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "SE", "countryName": "Sweden", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.2, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.2, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "SG", "countryName": "Singapore", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.1, "lowestAssetHighPct": 0.2, "medianUsdOn100": 0.2 }, { "countryIso2": "US", "countryName": "United States", "rail": "bank", "comparableCount": 18, "medianPct": 0.2, "rangeLowPct": 0.1, "rangeHighPct": 0.2, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 0.1, "lowestAssetHighPct": 0.1, "medianUsdOn100": 0.2 }, { "countryIso2": "AU", "countryName": "Australia", "rail": "card", "comparableCount": 18, "medianPct": 2.1, "rangeLowPct": 1.6, "rangeHighPct": 2.8, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.6, "lowestAssetHighPct": 1.8, "medianUsdOn100": 2.1 }, { "countryIso2": "CA", "countryName": "Canada", "rail": "card", "comparableCount": 18, "medianPct": 4.9, "rangeLowPct": 4.1, "rangeHighPct": 5.6, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 4.1, "lowestAssetHighPct": 4.6, "medianUsdOn100": 4.9 }, { "countryIso2": "DE", "countryName": "Germany", "rail": "card", "comparableCount": 18, "medianPct": 1.5, "rangeLowPct": 1.2, "rangeHighPct": 1.7, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.2, "lowestAssetHighPct": 1.4, "medianUsdOn100": 1.5 }, { "countryIso2": "FR", "countryName": "France", "rail": "card", "comparableCount": 18, "medianPct": 1.5, "rangeLowPct": 1.2, "rangeHighPct": 1.7, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.2, "lowestAssetHighPct": 1.4, "medianUsdOn100": 1.5 }, { "countryIso2": "GB", "countryName": "United Kingdom", "rail": "card", "comparableCount": 18, "medianPct": 1.5, "rangeLowPct": 1.2, "rangeHighPct": 1.7, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.2, "lowestAssetHighPct": 1.4, "medianUsdOn100": 1.5 }, { "countryIso2": "NL", "countryName": "Netherlands", "rail": "card", "comparableCount": 18, "medianPct": 1.5, "rangeLowPct": 1.2, "rangeHighPct": 1.7, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.2, "lowestAssetHighPct": 1.4, "medianUsdOn100": 1.5 }, { "countryIso2": "PL", "countryName": "Poland", "rail": "card", "comparableCount": 18, "medianPct": 1.4, "rangeLowPct": 1.2, "rangeHighPct": 1.6, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.2, "lowestAssetHighPct": 1.4, "medianUsdOn100": 1.4 }, { "countryIso2": "SE", "countryName": "Sweden", "rail": "card", "comparableCount": 18, "medianPct": 1.5, "rangeLowPct": 1.2, "rangeHighPct": 1.7, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.2, "lowestAssetHighPct": 1.4, "medianUsdOn100": 1.5 }, { "countryIso2": "SG", "countryName": "Singapore", "rail": "card", "comparableCount": 18, "medianPct": 2.3, "rangeLowPct": 1.9, "rangeHighPct": 2.6, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.9, "lowestAssetHighPct": 2.2, "medianUsdOn100": 2.3 }, { "countryIso2": "US", "countryName": "United States", "rail": "card", "comparableCount": 18, "medianPct": 2.1, "rangeLowPct": 1.7, "rangeHighPct": 2.6, "lowestAssetSymbol": "BTC", "lowestAssetLowPct": 1.7, "lowestAssetHighPct": 1.9, "medianUsdOn100": 2.1 } ], "country_card_bank_delta_rows": [ { "countryIso2": "CA", "countryName": "Canada", "cardMedianPct": 4.9, "bankMedianPct": 0.3, "cardToBankRatio": 16.3333, "deltaPctPoints": 4.6, "deltaUsdOn100": 4.6 }, { "countryIso2": "SG", "countryName": "Singapore", "cardMedianPct": 2.3, "bankMedianPct": 0.2, "cardToBankRatio": 11.5, "deltaPctPoints": 2.1, "deltaUsdOn100": 2.1 }, { "countryIso2": "AU", "countryName": "Australia", "cardMedianPct": 2.1, "bankMedianPct": 0.2, "cardToBankRatio": 10.5, "deltaPctPoints": 1.9, "deltaUsdOn100": 1.9 }, { "countryIso2": "US", "countryName": "United States", "cardMedianPct": 2.1, "bankMedianPct": 0.2, "cardToBankRatio": 10.5, "deltaPctPoints": 1.9, "deltaUsdOn100": 1.9 }, { "countryIso2": "DE", "countryName": "Germany", "cardMedianPct": 1.5, "bankMedianPct": 0.2, "cardToBankRatio": 7.5, "deltaPctPoints": 1.3, "deltaUsdOn100": 1.3 }, { "countryIso2": "FR", "countryName": "France", "cardMedianPct": 1.5, "bankMedianPct": 0.2, "cardToBankRatio": 7.5, "deltaPctPoints": 1.3, "deltaUsdOn100": 1.3 }, { "countryIso2": "GB", "countryName": "United Kingdom", "cardMedianPct": 1.5, "bankMedianPct": 0.2, "cardToBankRatio": 7.5, "deltaPctPoints": 1.3, "deltaUsdOn100": 1.3 }, { "countryIso2": "NL", "countryName": "Netherlands", "cardMedianPct": 1.5, "bankMedianPct": 0.2, "cardToBankRatio": 7.5, "deltaPctPoints": 1.3, "deltaUsdOn100": 1.3 }, { "countryIso2": "SE", "countryName": "Sweden", "cardMedianPct": 1.5, "bankMedianPct": 0.2, "cardToBankRatio": 7.5, "deltaPctPoints": 1.3, "deltaUsdOn100": 1.3 }, { "countryIso2": "PL", "countryName": "Poland", "cardMedianPct": 1.4, "bankMedianPct": 0.2, "cardToBankRatio": 7, "deltaPctPoints": 1.2, "deltaUsdOn100": 1.2 } ], "claim_boundaries": { "canClaimStrongly": [ "Cross-country retail buy-cost dispersion is visible in the live country summaries.", "Card and bank rails show materially different country-level medians.", "The selected headline ratio is reproducible from published country medians." ], "canClaimCautiously": [ "Country-level medians and ranges suggest persistent spread differences in this snapshot.", "Card rails appear structurally more expensive than bank rails across most countries in this slice." ], "hypothesesOnly": [ "Differences may reflect local payment economics, market structure, and exchange mix." ], "mustAvoid": [ "Do not claim causality from this benchmark alone.", "Do not claim the ratio holds for all amounts, assets, or future snapshots.", "Do not present these values as guaranteed execution prices." ] }, "citation": { "reportUrl": "/reports/retail-crypto-cost-benchmark-2026-q2", "methodologyUrl": "/methodology/retail-crypto-cost-benchmark-v1", "dataUrl": "/data/reports/retail-crypto-cost-benchmark-2026-q2/v1", "chartBaseUrl": "/charts/retail-crypto-cost-benchmark-2026-q2/v1", "dataFiles": { "benchmarkJson": "/data/reports/retail-crypto-cost-benchmark-2026-q2/v1/benchmark-pack.json", "countryRailCsv": "/data/reports/retail-crypto-cost-benchmark-2026-q2/v1/country-rail-benchmark.csv", "countryDeltaCsv": "/data/reports/retail-crypto-cost-benchmark-2026-q2/v1/country-card-vs-bank-delta.csv", "claimGateJson": "/data/reports/retail-crypto-cost-benchmark-2026-q2/v1/claim-gate.json", "readme": "/data/reports/retail-crypto-cost-benchmark-2026-q2/v1/README.md" }, "chartFiles": { "hero": { "dark": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/hero-stat-card-dark", "light": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/hero-stat-card-light" }, "countryLadderCard": { "dark": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/country-ladder-card-dark", "light": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/country-ladder-card-light" }, "countryLadderBank": { "dark": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/country-ladder-bank-dark", "light": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/country-ladder-bank-light" }, "cardVsBankDelta": { "dark": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/card-vs-bank-delta-dark", "light": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/card-vs-bank-delta-light" }, "dispersionRangeCard": { "dark": "/charts/retail-crypto-cost-benchmark-2026-q2/v1/dispersion-range-card-dark", "light": 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