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Ok, let me rephrase my question when you click on

add funds on the nexo platform you get different methods so I click Top Up USD, EUR and GBP, then I choice any option from the 3 lets use gbp as an example you will see Nexo-Beneficiary, the sort code and account number then a 10 digit alphanumeric reference code (which states You MUST include the Reference in your transfer) what happens if I omit that when making the transfer?

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Well the transfer will not go through.

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