The BPAY Bill feature is costing users significantly more.This is also factoring in rewards.There is no option to use the AUD Cash Wallet, so users are hit with an exchange, and then hit with the buy/sell spread using the sell price for the cryptocurrency.A$41.25 » XRP110 ($41.20) + XRP1.111 TX fee.XRP at sell price is XRP113.4 ($41.25)Approximately 3XRP is needed to be converted to match the original exchange from AUD Wallet, to XRP.This will happen to all currencies, as the BPAY feature does not use AUD Cash Wallet... which makes no 'cents' at all.