Fees Reference

Last updated: 2026-10-16

This page documents how fees are represented and calculated for merchant integrations.

All fees are charged in-kind, in the currency and on the network of the underlying transaction (for example a USDT-TRX deposit is charged in USDT on TRX). Balances and fees are segmented per (currency, network) pair; today USDT on TRX (and its Nile testnet twin, TRX_NILE) is enabled for deposits and withdrawals. USDT and USDC on BSC (BNB Smart Chain) are enabled for deposits since 2026-09-08 and USDT and USDC on Polygon (POL) since 2026-09-09; withdrawals on both EVM networks are enabled once the first production deposits have been observed (see the Changelog). The BSC / Polygon schedule below applies. Other pairs (ETH, SOL) follow later, one network at a time.

Current fee schedule (USDT on TRX)

Effective 2026-09-03 00:00 GMT+8 (2026-09-02 16:00 UTC). Records dated before that carry the previous values.

The fees fund on-chain costs the platform now pays directly (address activation, energy for sweeps and payouts). Small deposits under 1 USD equivalent remain fee-exempt.

BSC (BNB Smart Chain) and Polygon schedule — USDT / USDC

Applies from each network's go-live date (see the Changelog). Same mechanics as TRON; only the per-network numbers differ.

Both are priced on their own cost basis: a BEP-20 / Polygon ERC-20 transfer costs a fraction of a cent, and there is no address activation on EVM chains.

AML address checks

The fee is reserved when a check starts and charged when the result arrives. A check the provider completes without risk data is still charged. See AML Address Checks.

TRON address compliance checks

Debited when the verdict is returned. See TRON Address Compliance Checks.

Fee Categories

• Deposit commission (Deposit.commission, Deposit.commissionRate) — the percentage-based merchant charge on customer deposits (floor 0.50 USDT per deposit; 0.10 before 2026-09-03)
• Address activation fee — a fixed 1.00 charge (0.50 before 2026-09-03) applied once, on the first confirmed deposit to a deposit address. It is reduced when the deposit cannot bear it: a deposit never credits below zero, so on a first deposit of exactly 1.00 the fee is capped at what remains after the commission floor (from 2026-09-08)
• Direct deposit (top-up) fee — a flat fee (MerchantProfile.directDepositFeeFlat, 1.20 USDT; 1.00 before 2026-09-03) on merchant self-custody wallet top-ups; replaces the percentage commission and activation fee for top-ups
• Withdrawal commission (Withdrawal.commission, Withdrawal.commissionRate) — the merchant withdrawal fee (percentage or per-network flat)
• Network fee (Withdrawal.networkFee) — the per-network fee quoted at submission time: SupportedAsset.withdrawalFee (1.20 on TRX) for the standard tier, or the fresh-destination fee (2.50) when the destination address holds no USDT at submission. The tier is recorded in Withdrawal.metadata.feeQuote
• Settlement fees (Settlement.settlementFees)
• AML check fee (AmlCheck.feeAmount) — 1.50 per delivered AML screening result
• Compliance check fee (AmlCheck.feeAmount, kind: COMPLIANCE) — 1.00 per TRON deny-list verdict
• Merchant charges (MerchantCharge.chargeAmount) — the fee ledger; every fee above is recorded as a MerchantCharge row

Deposit.fee vs Deposit.commission

These are different fields with different meanings:

• Deposit.commission is the percentage deposit commission.
• Deposit.fee mirrors the fixed charge on that deposit for audit purposes: the address activation fee for customer deposits, or the flat top-up fee for merchant direct deposits. It is not the deposit commission.

MerchantCharge descriptions

The MerchantCharge ledger is the single source of truth for fees. The description field identifies the fee:

Data Fields Used in API Models

• Deposit.fee, Deposit.commission, Deposit.commissionRate
• Withdrawal.commission, Withdrawal.commissionRate, Withdrawal.networkFee, Withdrawal.actualFee (finalized network cost, reconciliation only — the merchant always pays the quoted networkFee)
• Settlement.totalFees, Settlement.feeRate, Settlement.settlementFees, Settlement.receivableAmount
• MerchantCharge.baseAmount, MerchantCharge.chargeAmount, MerchantCharge.chargeType, MerchantCharge.description

Charge Types

• PERCENTAGE: chargeAmount = baseAmount * chargePercentage
• FIXED_AMOUNT: chargeAmount = fixedChargeAmount
• HYBRID: percentage fee plus fixed amount

After the type-specific calculation, the merchant's minChargeAmount / maxChargeAmount constraints are applied, and a per-deposit minimum commission is enforced: the pair's own floor when one is configured (SupportedAsset.depositMinCommission — 0.10 on BSC), otherwise the platform-wide setting deposit_min_commission (0.50 USDT, TRON). The one-time first-deposit fee works the same way (SupportedAsset.firstDepositFee — 0 on BSC; otherwise address_activation_fee, 1.00).

Withdrawal Fees

The total debited for a withdrawal is:

total = amount + max(commission, networkFee)

The network fee is a floor under your commission, not an add-on (since 2026-09-01; before that the two were stacked). The Withdrawal.commission field and the Withdrawal Fee ledger row therefore hold only the margin above the network fee, and are 0 when your commission does not exceed it.

• commission is resolved at submission from the merchant profile: a percentage rate (withdrawalFeeRate, 0.1% for all merchants since 2026-09-03) if set, otherwise a per-network flat fee (MerchantWithdrawalFee for the withdrawal's (currency, network)), falling back to the legacy scalar withdrawalFeeFlat. Reseller-created merchants are seeded with per-network defaults of 1 (TRX), 2 (ETH), 0.2 (BNB, SOL).
• networkFee is quoted at submission and snapshotted onto the withdrawal. On TRX it is 1.20 USDT (SupportedAsset.withdrawalFee), or 2.50 USDT when the destination address holds no USDT at the time of submission — such transfers cost roughly twice the network resources. If the destination balance cannot be read, the higher tier is quoted. The finalized on-chain cost lands later in actualFee, but the merchant is always charged the quoted networkFee.

Withdrawals draw only from the same chain's balance — there is no cross-chain fungibility.

Deposit Fee Exemption

Customer deposits below 1 USD equivalent (system setting deposit_fee_exempt_below, default 1) are fee-exempt: no deposit commission is charged, no activation fee applies, and no merchant deposit callback is sent.

Fee Splits and Merchant Margin

Every fee event is recorded in a fee split that divides the charged fee four ways: the on-chain and provider costs the platform pays, the platform share, the reseller share and the merchant share (merchantShare). The four always sum to the fee charged.

For merchants on a reseller line, the merchant-margin component (merchantShare) is credited back to the merchant's balance at fee time. The merchant's true fee cost is therefore chargeAmount − merchantShare. Margin earnings can be queried with GET /api/merchants/{merchantId}/earnings (see the Merchant Charges guide).

Rounding

• Share math in fee splits is carried at 8 decimal places, rounding down; the platform residual absorbs rounding dust.
• Round fee outputs to the precision required by the settlement currency.
• Keep internal calculations at higher precision where possible to avoid drift.

Practical Examples

Example A: Percentage Charge

• Base amount: 1000.00 USDT
• Charge percentage: 0.25% (0.0025)
• Fee: 2.50
• Net: 997.50

Example B: Fixed Charge

• Base amount: 300.00 USDT
• Fixed charge: 1.00
• Fee: 1.00
• Net: 299.00

Example C: Hybrid Charge

• Base amount: 500.00 USDT
• Percentage: 0.20% (1.00)
• Fixed: 0.50
• Total fee: 1.50
• Net: 498.50

Example D: Withdrawal Total (commission below the floor)

• Withdrawal amount: 200.00 USDT on TRX
• Commission: 0.1% = 0.20
• Network fee (standard tier): 1.20
• Total fee: max(0.20, 1.20) = 1.20; Withdrawal.commission records 0
• Total debited from the USDT-TRX balance: 201.20; destination receives 200.00

Example E: Withdrawal Total (commission above the floor)

• Withdrawal amount: 5000.00 USDT on TRX to an address holding no USDT
• Commission: 0.1% = 5.00
• Network fee (fresh-destination tier): 2.50
• Total fee: max(5.00, 2.50) = 5.00; Withdrawal.commission records the 2.50 margin
• Total debited: 5005.00; destination receives 5000.00

Reconciliation Guidance

Use the following relationships:

• Deposits: receivableAmount = amount - (commission + activation fee) for customer deposits; amount - direct deposit fee for merchant top-ups
• Withdrawals: total debit = amount + max(commission, networkFee) — equivalently amount + Withdrawal.commission + Withdrawal.networkFee, since the stored commission is the margin above the network fee
• General: netAmount = grossAmount - totalFees

For settlement operations, compare:

• requested amount
• applied fees
• receivable amount

If your merchant is on a reseller line, also account for margin credits (FeeSplit.merchantShare, reported by the earnings endpoint) as inbound ledger entries.

This should align with transaction and settlement records used in your accounting system.