Why are deposit fees tiered?
Larger deposits amortize our on-chain consolidation and treasury costs, so we pass it back: 30–500 at 2%, 500–1000 at 1.5%, 1000+ at 1%.
In this business, a tiered rate is more often a trap than a favor: either the rate climbs as the amount grows, quietly penalizing larger customers, or only one tier is shown up front while a second charge is slipped in at the card end or the withdrawal end. So the real question isn't "why tier the rate at all," but "which direction does the tier move, and what cost does it map to."
The bulk of on-chain consolidation and treasury costs is fixed per transaction and doesn't scale linearly with the amount. A single USDT deposit has to pass through on-chain confirmation, fund consolidation, double-entry posting, and reconciliation with the upstream issuer, and processing 30 USDT takes almost the same effort as processing several thousand USDT. That fixed cost weighs heavily on small amounts and lightly on large ones, so a rate that falls as the amount rises is simply us passing the amortized portion back, not a limited-time promotion.
The rate falling as the amount rises is the result of amortized cost, not a marketing gimmick
| Single deposit range | Rate | Effect |
|---|---|---|
| 30–500 USDT | 2% | Small-amount base tier; deposit 30 and 29.40 is credited |
| 500–1000 USDT | 1.5% | Lower rate; a higher share of the same amount is credited |
| Over 1000 USDT | 1% | Lowest rate; fixed costs are most fully amortized on large amounts |
The deposit fee is charged once, at the deposit step, with no second segment hidden elsewhere
Take the deposit fee on its own: the fee overview lists four items in total — the deposit fee, the card-issuance fee, a 2% service fee on the card-issuance limit, and 2% on card top-ups — each stated plainly in the fee overview, with no monthly fee and no hidden fee. Of the four, only the deposit fee moves down with the amount; there is no reverse design where "the more you deposit, the higher the unit cost," and no undisclosed second segment that surfaces only after your money arrives.
How to use this tier depends on your real usage
- Depositing small amounts many times keeps you stuck in the 2% tier every time; putting the same money into a higher range in a single deposit gets a lower applicable rate and a higher share credited.
- But there's no need to hoard funds just to reach a tier: the platform balance is used only for issuing cards and topping up cards, and if you genuinely need to withdraw, it goes through a support ticket and is returned as USDT along the original path, with the on-chain transfer fee still deducted from the withdrawal amount.
- The steadier approach is to deposit enough at once to cover your actual usage over the coming period, landing in a better rate tier while not leaving funds sitting idle in your balance.
You don't have to do the math on which tier you land in: the deposit page calculates the fee and the credited amount in real time from the amount you enter, so the rate range, the fee deducted, and the amount credited are all visible on one screen before payment — confirm the credited amount, then pay.