Pricing and limits
One service fee. Bank and network costs at cost. Nothing hidden in the rate.
Every quote shows four lines, and the same four lines appear in the agent report and your monthly statement: the mid-market rate, the service fee, the bank and network costs, and the delivery date.
- 0.9–2.0%service fee by amount
- $25minimum fee
- +0.35%conversion, only when the payout is not in USD
- noaccount, monthly or setup fees
Service fee
Charged on the USD equivalent of the payment at the mid-market rate. The tier applies to the whole amount, not in slices.
| Payment amount (USD equivalent) | Fee | Fee at the tier's top |
|---|---|---|
| $300 – $5,000 | 2.0% | $100 |
| $5,000 – $25,000 | 1.5% | $375 |
| $25,000 – $100,000 | 1.2% | $1,200 |
| over $100,000 | 0.9% | $4,500 at $500,000 |
Minimum $25 per payment. The same tiers apply to collections (get paid), deducted from the amount received. Business accounts: volume pricing below.
Bank, network and conversion costs
Passed on at cost and shown as separate lines. We publish the ceiling per corridor; if the bank charges less, you pay less.
| Cost | Amount | When |
|---|---|---|
| SWIFT · SHA | $35 | payout, correspondent fees deducted en route |
| SWIFT · OUR | $65 | payout, beneficiary receives the exact amount |
| SEPA | €3 | payout in EUR |
| Local rails | $0–5 | payout where we hold local accounts |
| Incoming SWIFT / SEPA / local | $15 / €1 / $0 | collections |
| Conversion | 0.35% | only when the payout or collection currency is not USD; mid-market rate shown with its source |
| Network fee | at cost | paid by your wallet when you send; deducted at cost when we send USDT to you |
Worked examples
Computed by the same engine as the quote calculator, at the indicative rates shown. Change the amount or currency in the calculator and the lines move the same way.
$10,000 to a supplier by SWIFT
Total above mid-market: 1.85%
indicative figures as of Oct 21, 2026 · live rates load in a moment
€86,000 rent instalment in Spain
Total above mid-market: 1.56%
indicative figures as of Oct 21, 2026 · live rates load in a moment
$1,000 to a clinic in Thailand
Total above mid-market: 3.12%
indicative figures as of Oct 21, 2026 · live rates load in a moment
Limits by verification level
Limits are per payment in USD equivalent. Above the online maximum, the desk quotes individually, usually within an hour.
| Level | What we verify | Per payment | Per month |
|---|---|---|---|
| Individual | Identity document and selfie, address | $300 – $25,000 | $100,000 |
| Individual · enhanced | Plus source of funds and purpose of recurring payments | $500,000 | agreed |
| Business | Registration, directors, beneficial owners, nature of business | $500,000 | by contract |
| Above $500,000 | Per-payment review by the desk | by quote | — |
SWIFT payments from $1,000; SEPA and local rails from $300. Limits may be adjusted by compliance after KYB.
Business volume pricing
For companies that pay or collect regularly. The tier is set by the previous month's volume and reviewed monthly, by contract.
| Monthly volume | Service fee from | Included |
|---|---|---|
| under $100,000 | 1.2% | team access, monthly statement |
| $100,000 – $500,000 | 1.0% | named manager, bulk payouts |
| over $500,000 | 0.7% | API, approval workflows, desk settlement, custom SLAs |
How the rate is built
For USDT the reference rate is the Binance USDT/USD market, live. For fiat-to-fiat conversions the mid-market rate is the midpoint between the best bid and ask at the moment of the quote. Every quote shows the rate with its source and timestamp.
When the payout currency is not USD, the client rate is the mid-market rate adjusted by 0.35%, shown as its own line. Amounts are rounded up to the cent in your favour on the fee lines and to the cent on the payout.
The quote is locked for 15 minutes after you confirm. If the USDT arrives later, we re-quote at the current rate and ask you to confirm before sending anything.
reference = Binance USDT/USD market, live # 1 USDT = 1.0000 USD
mid = (best_bid + best_ask) / 2 # EUR/USD 1.1215, fiat-to-fiat
client_rate = mid × (1 + 0.0035) # payout not in USD
usd_needed = 10,000 EUR × client_rate # 11,253.78 USD
service_fee = max(usd_needed × 1.5%, 25) # 168.81 USD
bank_fee = SEPA €3 # 3.36 USD
you_send = usd_needed + service_fee + bank_fee # 11,425.96 USDT
locked_until = quote_time + 15 minIncluded, and never charged
- ✓Quote, rate lock and re-quote
- ✓Invoice reading, IBAN and BIC validation, sanctions screening
- ✓MT103 or confirmation, UETR, agent report, our invoice, payment-on-behalf-of letter
- ✓Support around the clock, a named manager for business accounts
- ✓Resend after a bank return with corrected details
Never charged
- ×Account opening, monthly or inactivity fees
- ×Hidden FX margin beyond the 0.35% line
- ×A fee for a refund after a bank return, other than the bank's own return charge
- ×A fee for documents, statements or copies
Where the rate comes from
The spread and the agent fee are the only two lines we earn on; the reference rate is public.
Source
For USDT the reference rate is the Binance USDT/USD market, live; for BTC, ETH and USDC the corresponding Binance USD markets. For fiat-to-fiat conversions (EUR, GBP, CNY to USD and back) we use the mid-market rate. Binance is a rate source only; conversion is executed by our licensed partners, whose names we do not publish.
Update frequency
The reference rate is taken at the moment of the quote. Once you confirm a quote it is locked for 15 minutes; if the funds arrive later, you see a fresh rate before anything is sent.
Spread
The difference between the reference rate and your rate: 0.35% on business conversions and fiat lines, 0.10–0.25% on the desk. It is shown as its own line, never hidden in the rate.
Agent fee
What we charge for executing the order: 0.1% on business conversions, 0.9–2.0% by amount on invoice payments, from 0.7% by contract on volume. Bank and network costs are passed through at cost.
Reference rate: Binance USDT/USD market, live. Conversion is executed by our licensed partners, whose names we do not publish.
Reference rates only, refreshed every minute. Your rate is the reference rate minus the spread shown in the quote; conversion is executed by our licensed partners.
The same $10,000 invoice by four routes
Typical figures for a person holding USDT who needs to pay a supplier abroad. Your bank and trading platform may differ.
| Route | Time to beneficiary | Typical total cost | What the beneficiary sees | Main risk |
|---|---|---|---|---|
| Sell USDT on a trading platform, withdraw to your bank, wire | 3–7 days | 3–5% | a personal transfer | bank freezes the withdrawal, asks for source of funds |
| Sell USDT peer-to-peer for cash, deposit, wire | 2–5 days | 2–6% | a personal transfer | fraud, counterfeit, no documents |
| Crypto card | instant, if accepted | 2–4% | a card payment | suppliers rarely take cards for invoices; limits |
| Payment agent (this service) | same day to 2 days | 1.2–2.0% + $35 | a company transfer with the invoice reference | compliance may ask for the contract |
Questions about pricing
Why is the SWIFT fee shown as a ceiling?
Correspondent banks deduct their own charges en route and we do not know their number in advance. $35 covers our bank's outgoing fee and the usual correspondent deduction; with OUR we pay all correspondents and the beneficiary receives the full amount.
Is the 0.35% charged on USD payments?
No. If the invoice is in USD, there is no conversion and no conversion line. The service fee and the bank fee are the only costs.
Can I pay the fee separately, so the beneficiary gets the full amount?
The fee is always added on top of the invoice amount in the quote: you send the invoice amount plus fees, the beneficiary receives the invoice amount. For SWIFT choose OUR to cover correspondent deductions.
Your numbers, not ours