In front of the bank counter #交易手续费揭秘 , Old Zhang clutched the wrinkled remittance slip, his fingers trembling slightly. The service fee column read '2%', and he calculated it three times, still finding that it was thirty dollars more deducted than last year. The financial manager at the adjacent window was enthusiastically introducing a 'Supreme VIP Fee Waiver Package' to a suited customer, and the reflection on the glass made Old Zhang squint.

Back home, he pulled out the remittance records sent by his son from abroad and found that each transaction had been stripped of two layers—charged once here, deducted again there. During a video call that night, his son laughed and said, 'Dad, now we use blockchain for transfers, and the service fees are only a few dimes.' But Old Zhang stared at the complex QR code on his phone and ultimately just sighed. The next day, he carried cash and took a two-hour bus ride to his relative's house in the suburbs, personally stuffing the tuition fees into his nephew's backpack. On the way back, the bus's QR code scanner beeped, deducting another fifty cents as a service fee.