Canadian fiat to UST on terra

What’s the most cost effective way to go from CAD fiat to UST to put in anchor EARN. I have a account. I lose about .55% going from CAD fiat to USDC for example. I’m sure there is a cost associated with moving it to a terra wallet and then some sort of fee to pair swap for ust.

I’m not stuck on using its just a good crypto for dummies starting point to dump some cash into their earn product while I try and wrap my head around this.

Thanks for any help

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