I've watch my server FPS drop significantly whenever a command for Transfer and Exchange is done on server.
An example for Exchange:

An example for Transfer:
FPS drop amount between 30-50 or more.
Solution for Exchange: Increasing Exchange Amount so that player doesn't exchange that frequently
Solution for Transfer: No idea since this is freely done by players with any amount they like.
Would be great to know if there's a posibility for you to make this thing better in terms of performance/recourse consumption?