Variant A: USD-Anchored

Chips always show USD amounts. If depositing in another currency, the summary shows how much you'll be charged in your local currency. Simple and consistent.

Variant B: Local-First

Chips show amounts in the selected deposit currency (PLN/EUR). The user thinks in their own money. Summary shows how much USD they'll receive in their balance.

Variant C: Dual Display

Each chip shows both currencies stacked. Maximum transparency - users see exactly what they pay and what they get at every step. Best for trust.

Variant D: Currency Toggle

User picks their mental model: enter amounts in USD or in their local currency. The "other" currency is always shown as a live conversion. Most flexible but adds an extra UI element.

Variant P: Promo Code (addon to Dual Display)

Based on Variant C with an expandable promo code section. Shows a banner when a code is applied, and the bonus amount appears in the summary breakdown.