Because you don't have the new version yet.

I use Phoenix. I don’t see .4%. Can you clue me in?
https://nostrcheck.me/media/public/nostrcheck.me_9279304825248100851692288698.webp
If you look at the fee structure, it will read “up to”. This is a max threshold as shown in my post. That is, of course, if they did a major change. But I don’t think they would do that as it would make their app less competitive.
I like the new on chain costs. Much better
What version do you have bud?