What's the best stablecoin onramp?

Looks like Circle charges ~3% for card transactions, 0.2% for ACH and $8 for wires.

Is that the best you can do? I *think* Coinbase users can ACH in $1000, then withdraw 1000 USDC. Are they just eating the cost as a loss leader?

https://www.circle.com/en/pricing#payments

Real World Ethereum 🌎 
building /daimo ✳️ 

@base builder #001; onchain cities w/ OAK & city3

like, directly from fiat to USDC address? or fiat > Coinbase account > convert to USDC > withdraw to address?

runs through Coinbase account right now or CBPay

i'm trying CBPay thru Metamask and so far it's pretty rough

says "by OnRamp Production" but i can't figure out what that is, no google results

whatever it is, it wants full access to my coinbase account including transaction history
 https://i.imgur.com/JFcGM9U.png

and looks like it just lets you buy ETH, not USDC?

also it says my payment limit is $49.09 lol
 https://i.imgur.com/8w4OlJ1.png