rich1.0m0wer (npub1w3…t4c5c)https://nostr.ae/npub1w3vaxva0vcrx7pnvlpmede5smvafdl69xnu7ma82kaxl9us89zdsht4c5cnjumphttps://nostr.aeThe latter. It involves an intermediate step which has onchain transaction fees, but no swap fees.