These claims are dubious and read like DCC advertising (but Valoot isn't DCC):

"Because the card schemes only do the conversion a couple of days after the purchase date, the FX market can move against George."

"Also the rate used by the card scheme comes from individual banks, and they can contain a premium compared to the actual rate from the FX market...Valoot is connected to the real-time foreign exchange markets, and can thus provides the very best rates available."

"Also, George's bank will also charge him a commission, from using his card abroad."