SmartExchange™ enables automatic exchange of other wallet currencies performed by our system when you do not have enough local currency during purchase. This provides you with a seamless payment experience and ability to use different currency wallets. The same competitive real-time wholesale exchange rate with no transaction fee and no markup will be used at the time of Smart Exchange. The remaining purchase amount will come from other wallets in this order: SGD, USD, EUR, GBP, JPY, HKD, AUD, NZD, CHF, SEK