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How do I use L2's?

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I've mostly been using trust wallet to swap erc20 tokens and it has a built in swap system that automatically finds the "cheapest" fees and best route for swapping across a few different DEX's. However these "cheapest fees" are still upwards of $15+. How do I access optimism,matic, etc to get these fees lowered? Why doesn't trust wallet check these exchanges? Are ALL ERC20 coins compatible on L2? I've been buying low stuff, (under $20,000,000 mCap) are these not compatible?

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