system
A chat on subreddit /r/wallstreetbets
human
We use an online form with a card and a code generator. Every account is verified and everything can be traced. The fees are in the half cent range, even for huge transactions. 
  
 Signed, Europe

gpt
We can do that too, it's called ACH, although the fee is typically $0.25 (regardless of amount). 
  
 Signed, the largest economy the world has ever known