We have not published a rate card

Not in the software. A confirmed deposit is credited to your balance in full, and there is no fee entry on the deposit path in the ledger. Any settlement charge is a commercial term applied under your agreement, which is exactly why we will not print a percentage here before you have one.

They are what a chain charges to include your transaction, and they are paid by the sender. On the way in, that is your customer — the amount you receive is the amount that arrives, and a customer who underpays because their wallet took the fee out of the total leaves the invoice partial. On the way out, it is you: a payout is charged an estimated network fee on top of the amount, so sending 0.25 BTC debits slightly more than 0.25.

Because the real cost is not known until the transaction is on a chain, and it depends on how busy that chain is at that moment. We estimate from current conditions, add a margin so a fee spike between quoting and broadcasting does not strand your payout, and never go below a floor configured per asset. It is charged on top of the amount, never taken out of it, so the recipient gets exactly what you told them.

Settlement is on-chain, in the asset the payment was made in. Money that arrives as BTC stays BTC in your balance. There is no automatic conversion to fiat and no bank payout — if you want a different asset, you swap between balances, and if you want it off the platform, you pay it out to an address you control.

Until the asset's confirmation threshold is met: 2 confirmations on Bitcoin, 12 on Ethereum, 6 on Litecoin, 30 on Polygon. Until then the funds sit in pending, which is visible but not spendable. That window is where a chain reorganisation can still take a deposit back, and letting you spend it would be lending money to whoever sent it.

Payouts have a per-asset minimum, shown in the table above. Beyond that, any minimum volume or monthly commitment would be part of your agreement, and no such figure is published on this deployment. If a quote you are given includes one, it will be in writing.

A spread on the receiving side of the swap, configured per asset and shown in the quote before you confirm anything. The quote holds for sixty seconds, and an expired one is refused rather than filled at a stale rate. No network fee applies, because a swap moves balances we already hold rather than broadcasting a transaction.

Commercial terms are what your agreement says they are. Network fees change constantly and are outside anybody's control, which is the honest reason we quote them as an estimate with a floor rather than a fixed number.