Here come a bunch of "where did you pay 140bps I only pay 40bps" The answer is 40bps is still insane from an ETF perspective and doing research I decided to try and get bitcoin on my own. Ledger app sources many exchanges 150bps was MINIMUM to convert my dollars to bitcoin. Coinbase was slightly lower 140bps (and I used the inst player hater option or whatever its called). Maybe you the experienced crypto trader get better deal (altho again, 40bps is still 20x more than 2bps) but newbies get hit with a much higher trading fee(Eric Balchunas)