I wish they had crypto payments once again, I remember Xm had them at some point and then decided not to bother. But for me, payout through crypto is the easiest because low fees + I can then P2P USDT through the exchange. Right now I'm withdrawing through the card, and the good is, its quite fast. I do it on the wednesday usualy, middle of the day, and money is in my bank in 20 minutes. I think they send it right away, just my bank takes time processing. There are also no fees inside xm for trasnfering from my acc to my wallets, its good. But USDT & others should still be added imo.