youll have to sign up with xpay, register bank with xpay to receive 😅😭

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the US version of the Chivo Wallet

This isn't for real is it? I heard about the "refund" and wouldn't doubt this little caveat being thrown in.

not out of the realm of possibilities

if they actually do a refund, id imagine itll be an option, prolly incentivized too like 5% bonus money