text: import useApi from '../../../hooks/use-api';
  
  const useRates = () => {
    const [rates, loading, error] = useApi('rates', {
      autoReload: false,
    });
  
    const usdRates = rates === undefined ? undefined : rates.USD;
  
    return [usdRates, loading, error];
  };
  
  export default useRates;
  