How do these compare to https://www.wisebanyan.com https://www.wisebanyan.com? It seems to be roughly the same idea, but without any fees at all (I haven't use

How do these compare to https://www.wisebanyan.com https://www.wisebanyan.com? It seems to be roughly the same idea, but without any fees at all (I haven't used any of them, so I'm likely missing something)