compare_interface_costs
Compare a crypto exchange's consumer app fees against its own PRO order-book rates to reveal hidden spread markups and annual overpayment at your monthly volume.
Instructions
当用户问"同一个交易所为什么 App 买币这么贵?Kraken app / Instant Buy / Coinbase Simple / 简单交易的手续费是多少?听说 App 里藏了点差(hidden spread)?同一家交易所有两套价格?TUM 实测哪个欧洲平台最坑?"时使用。Compares each venue's CONSUMER interface (Kraken app Instant Buy/custom orders, Coinbase Simple, Bitstamp Basic, Bitvavo Basic one-tap, Bitpanda/BISON spread-model brokerage) against its own PRO order-book benchmark on the same account. Evidence: TUM real-money €100 round-trip study (2025-10..11, six MiCA-licensed EU platforms) independently replicated by Frankfurt School (432 round-trips, 2026-03) — retail round-trips span 13x: Bitvavo 0.58% (pass-through, transparency benchmark) < Bison 2.58% < Kraken app 5.81% (3.81 pp hidden) < Bitpanda 6.23% (4.25 pp hidden) < Coinbase Simple 7.49% (4.51 pp hidden, worst; $2.99 flat fee dominates small DCA buys and simple LIMIT orders still carry a 1% execution fee). Returns per venue: consumer product name + fee model, modeled one-way all-in cost, measured round-trip, hidden markup pp, the PRO maker/taker base, the gap in pp, and — when monthly_volume_usd is passed — the annualized excess of using the consumer app instead of PRO (e.g. Coinbase at $1k/mo ≈ $168/yr); subscription caveats (Kraken+ $4.99/10k waiver, Coinbase One) and the fact that app volume earns NO PRO tier credit. Bitpanda/BISON have no separate PRO interface (the premium IS the fee); Bitstamp Basic is flagged unverified (no third-party measurement). Pass country to apply residency gating (Bitvavo/Bitpanda/BISON are venue-blocked outside their service areas). The same gap is auto-injected as consumer_interface hints into compare_exchange_fees / calculate_savings / compare_total_cost / recommend_exchange rows and as CONSUMER_INTERFACE_MORE_EXPENSIVE warnings on savings/recommendation results.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| country | No | ISO 3166-1 alpha-2 居住国代码,如 DE/FR/US/GB;用于逐行标注该场馆在居住国是否可用 | |
| exchange | No | 可选:只看单个交易所(已建模双界面的场馆:kraken/coinbase/bitvavo/bitstamp/bitpanda/bison) | |
| language | No | 输出语言:en=英文(默认),zh=中文。仅影响 advice/warnings/tradeoffs/reasons 等叙述性文字,数值、字段名与错误码不受影响 | |
| monthly_volume_usd | No | 月交易额(USD),传入后计算 consumer 界面相对 PRO 的一年多花金额 |