I rarely have to use crypto, and I would never use wire transfer (or even
Zelle).
For example, one domestic vendor on Discord even has a pay later option using Klarna (on their password-protected website). Klarna accepts cards, and has a $4.99 fee maybe (unless one subscribes at $8 per month or whatever it is).
I often say a hippie culture is prevalent in the peptide community (since these vendor groups are not the most legal entities on the planet). So a lot of vendor info is shared in DMs at Discord and TG.