To start, I'm new to the guild (Plat) and loving it, so perhaps this has been mentioned before, perhaps not.

With sufficient circle, and trading skill, Traders should be able to reduce, or eliminate the fee's associated with exchange rates.

I know that the exchange rate depends on the bank, so I'll use Crossing at a 5% fee just as an example.

If I'm exchanging 200 platinum, 5% is 10 plat (200 *.05). This is a considerable loss, if you add it up over the course of several months. There's a Barb in Plat who has been kind enough to allow me to handle his bundle and gem pouch selling, and every few days he's accumulating quite a plat count. Now, he prefer lirums and dokoras over kronars. So either I need to be where I can obtain Lirums or Dokoras to sell his gem pouches or bundles (very inefficient business practice to cater your physical location to a single customers, especially in a geographically dispersed clientel) or I need to exchange the currencies to customers currencies of their choosing.

Often there are festivals or auctions that demand a specific currency type, I'm sure this ability would see significant use during those times as people withdraw large sums of coin and exchange it to the proper currency, often resulting in large amounts of coin lost to the people doing the exchange. So, instead see your friendly neighborhood Trader! He can assist you with those pesky exchange fee's.

Perhaps this ability could scale with the Traders circle.

Circle 10 - 10% reduction to exchange rate fee's
Circle 20 - 20% reduction to exchange rate fee's
Circle 30 - 30% reduction to exchange rate fee's
Circle 40 - 40% reduction to exchange rate fee's
Circle 50 - 50% reduction to exchange rate fee's
Circle 60 - 60% reduction to exchange rate fee's
Circle 70 - 70% reduction to exchange rate fee's
Circle 80 - 80% reduction to exchange rate fee's
Circle 90 - 90% reduction to exchange rate fee's
Circle 100 - 100% reduction to exchange rate fee's

Just an idea.

~Player of Dorak (Plat)