---
title: "Discussion on \"Reference Rates Are Not Settlement Rates: Currency in JS\" | Hashnode"
description: "Discussion on \"Reference Rates Are Not Settlement Rates: Currency in JS\". A reference rate tells you what a currency pair is worth on paper. Your card, ATM, and the merchant terminal each tell a different story."
url: "https://hashnode.com/posts/reference-rates-are-not-settlement-rates-currency-in-js/6af13652f6a27eb44f62c052"
---

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# [Reference Rates Are Not Settlement Rates: Currency in JS](https://toolkitloop.hashnode.dev/reference-rates-are-not-settlement-rates-currency-in-js?utm_source=hashnode&utm_medium=feed)

A reference rate tells you what a currency pair is worth on paper. Your card, ATM, and the merchant terminal each tell a different story.

3d ago · 5 min read · toolkitloop.hashnode.dev  
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## Written by

[bowen Tse](https://hashnode.com/@bowentse)

@bowentse

  
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Founder of ToolkitLoop (toolkitloop.com) — 30 free online tools that run 100% in your browser. No sign-ups, no uploads, private by design.

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