Why do you publish every fee?
A common industry practice is to publish one fee layer, hide another, and leave key rules unwritten. We do the opposite — every charging point is on this page and the pricing page. Feel free to compare it against any similar platform.
Framing "do you dare to publish it" as a matter of courage misses the point: it is really a matter of verifiability. The only value of publishing fee rates is letting you calculate the total cost down to the cent before you pay. Whether a platform is willing to let you do that arithmetic tells you far more than how often it repeats that it is transparent.
Look at it another way: writing out every fee is not bravery on our part, it is structurally costless. The reason some platforms in this industry disclose one layer and hide another is that the real profit often lives in what goes unwritten, the second markup at the card level and the hidden hurdles at withdrawal. Writing it out means putting that profit on the table for comparison shopping. Our charges have only one layer, the four points you meet in normal use are all out in the open (plus per-transaction card fees charged by BIN range — transaction fee, decline fee, 3DS verification fee, etc.; some ranges charge none, and each is itemized on the card-opening page), and there is no second markup behind them at the issuing stage, so publishing them costs us nothing at all.
The main charging points you meet in normal use are these four, listed in the table below
| Charging point | Fee rate | When it applies |
|---|---|---|
| Top-up fee | A flat 0.5%, no tiers — the same rate for every amount | When the USD top-up is credited, deducted from the top-up amount |
| Card opening fee | From $1 per card, set by card tier | Charged once each time a card is opened |
| Card opening limit service fee | Tiered 2% → 0.5% by calendar-month cumulative top-up volume: 2% under $1,000, 1.5% from $1,000, 1% from $5,000, 0.8% from $10,000, 0.5% from $50,000; the tier applies for the whole month and any overcharge is refunded automatically | At card opening, charged on the opening limit |
| Card top-up service fee | Tiered 2% → 0.5%, same tier as the limit service fee (by calendar-month cumulative top-up volume) | When topping up an existing card, drawn in real time from the platform balance |
Beyond these four points, there is no second markup at the issuing stage
- No monthly fee, no annual fee, no account management fee. You are charged by usage, and an idle card incurs no fees whatsoever.
- No second card-level fee layer. There is no extra markup at the issuing stage. One further item, listed separately: moving your account balance off the platform has two routes — Prepayment Refund (no closure; any amount above the minimum — TRC20 $12 / ERC20 $3) or Account Closure (full clearance) — each charging a flat $2 per payout (the transfer fee is already included).
- No hidden charges. Before you pay, you can use the published flat 0.5% rate to calculate the fee, the credited amount, and the total cost down to the cent, on the same basis as the worked examples below.
- Even the "bad news" is public: the failed-transaction fee depends on the card tier — some tiers charge $0.60 per failed payment, others charge nothing — itemized on the card-opening page so you can see it before choosing, and spelled out in the open as well.
Only a platform that can answer these five questions point by point is truly transparent
The five questions below are the touchstone for whether a platform's fee rates are genuinely transparent. You can take each one and hold it up against any comparable platform. Anything they cannot answer, or that requires you to "contact support to find out," is usually the layer that has been hidden. And these five, we answer point by point right here on this page.
- Beyond the top-up fee, is there a charge for topping up a card? How much?
- Beyond the platform fee, is there a second fee layer at the card level (the issuer)?
- Is there a monthly fee, an annual fee, or an account management fee?
- Is there a charge when a payment is declined? How much?
- If you want your platform balance back (prepayment refund), how is it charged, and are there any hurdles?
The answers to the first four questions are all in the fee table and list above. The fifth is the one peers are most likely to hide, so we state it plainly too: there are two exit paths. Prepayment Refund — no account closure, any amount, submitted yourself in the account centre (password + email verification code, payout account); it can be started once 24 hours have passed since your last transaction, and after a 24-hour security cooldown (cancellable) the payout runs automatically, or within 72 hours at most if a risk review is triggered. Account Closure — close every card under your name first, then submit; after a 24-hour cooling-off period and manual review the payout is sent and the account is closed right after. Both cost the same: a flat $2 per payout (the transfer fee is already included), with a threshold by network — at least $12 on TRC20 or at least $3 on ERC20; below $3 neither qualifies. If part of the balance came back from a closed card, the upstream 60-90 day freeze is fronted by the platform and never delays your refund.
Every total cost can be calculated down to the cent, and that is what publishing it is for
Publishing is not about posting a string of percentages, it is about letting you recompute the numbers yourself. Two examples: top up 35 USD, charged about 0.18 at 0.5%, and 34.82 is credited; open a card with a 30 limit, and the maximum charge to your balance is 32.60 — the 30 limit + the $2 issuance fee (using the top of the card tier) + a $0.60 service fee (limit × 2%, at the 2% tier, charged separately), with the full 30.00 usable on the card. You can calculate both of these numbers right now using the rates in the table above, and only if they match is it truly public.