Why no monthly fee?
We charge on usage (deposit / card issuance / top-up), not on time. An idle card costs nothing.
Many people treat "no monthly fee" as a kind of discount, but it's really a fork in the billing model. The logic of a monthly fee is that you pay for time: whether or not you issued a card this month, whether or not any charges went through, once the date arrives a fee is deducted. Let's turn this into a statement you can verify yourself: if you issue a card and let it sit untouched for a month, will the balance be smaller at month's end? Keep this test in mind, because what follows breaks down why our answer is always "no."
A Monthly Fee Charges by Time; Our Fees Charge Only by Action
We're able to offer no monthly fee not through some extra exemption, but because the revenue structure itself is charged per action. Every fee on the platform is tied to an operation you initiate yourself, as a one-time percentage or fixed amount, and not a single one treats "length of holding" as a variable. There is simply no "time" term in the billing formula, so an idle card cannot possibly generate a fee out of thin air.
| Dimension | By Monthly Fee (Subscription Model) | By Usage (RDVCC) |
|---|---|---|
| Billing trigger | Deducted automatically when the date comes, regardless of whether you use it | Charged only when you initiate a deposit / card issuance / card top-up |
| Card idle for a month | Monthly fee deducted as usual | Balance unchanged to the cent, zero charges |
| Issuing a few spare cards | Each adds a fixed monthly fee | Each card is charged its issuance-related fees once at the moment of issuance (card issuance fee + 2% limit service fee); after that, leaving them sitting costs nothing |
| Relationship between fees and usage | Decoupled: paying doesn't mean you'll use it | One-to-one: you pay for exactly as many actions as you take |
All Four Fee Points Are Triggered by Your Actions; None Is Charged by Holding Time
| Fee Point | The Action That Triggers It | Rate | If You Don't Take This Action |
|---|---|---|---|
| Deposit fee | You top up USDT into your platform balance | From 2%, with the rate decreasing as the amount grows | No deposit, no fee |
| Card issuance fee | You issue a new card | $1–2 per card (by card range) | No card issuance, no fee |
| Issuance limit service fee | You set the initial limit when issuing the card | 2% of the limit | No card issuance, no fee |
| Card top-up service fee | You add more limit to an existing card | 2% of the amount topped up | No top-up, no fee |
No Monthly Fee Doesn't Mean Free, But Sitting Idle Truly Costs Nothing
Let's make the boundary clear: no monthly fee doesn't mean free. The fees are real; they're just all tied to actions. You issue a card, you deposit, you add limit to a card, and each is charged once at the rates above. What we promise is that there is no fixed expense decoupled from usage: no monthly fee, no annual fee, no membership fee, and no account management fee or inactivity fee. There is also a common trick in the industry of stacking a second tier on top of the stated rate, adding a card-side fee on top of the platform fee, or falling back on a monthly / annual fee. We do the opposite: across the whole platform there are only these four action fees, deposit, card issuance, issuance limit, and card top-up, with no second rate tier and no hidden markup. Beyond these four actions, not a cent is charged in the following cases:
- Freezing a card: the freeze and unfreeze operations themselves carry no charge
- A platform balance sitting in your account: no custody fee and no account management fee
- A card expiring: an expired card follows the closure process to return its remaining limit to your platform balance, with no extra deduction