"your bank thinks you bought cash." Card networks code crypto purchases as MCC 6051 (quasi-cash). Many issuers block them or treat them as cash advances. Banxa
"day 59." A US consumer can return a bank pull (ACH debit) as unauthorized for up to 60 calendar days. Nacha
"your bank said no." A January 2026 UK industry survey found banks block or delay about 40% of transfers to crypto platforms. Yellow
"now do it again for the on-ramp." On-ramps run their own identity checks, even if the app already verified you. Example docs
"that'll be fees." Bridge and swap fees come out of the deposit unless the app covers them. Example docs
The steps are simplified. Real stacks overlap, and checks run at more than one point.