Do your fees and policies change arbitrarily?
All fee and policy changes are published on this page and the pricing page; completed orders always follow the rates at order time. Fees, failure causes and usage rules are all in the open.
"Will they change things at will?" is a question that can only be answered with a promise—any platform can thump its chest and swear it "will never change things," yet a verbal promise carries no binding force on its own. It's more useful to replace it with two questions you can verify on the spot: if the rate changes, which point in time does the order I've already placed follow? How many fee points does the platform have in total, and are they all laid out where you can find them? Both can be checked at a glance—no trust required.
What truly decides whether a policy is stable isn't "whether it changes," but whether completed orders are touched after a change, and whether any fee points are hidden out of sight. We've built these two things into mechanisms: completed orders lock in the rate at order time, and all fee points are permanently published in two places. Here's the breakdown.
The three things you worry about, and how the mechanism constrains them
| The situation you worry about | Our mechanism-level safeguard |
|---|---|
| The rate is raised retroactively after you order, and in-flight orders rise along with it | Orders already placed settle at the rate at order time; changes are never applied retroactively to completed orders |
| One rate is published while a second is hidden out of sight (a second-tier rate / hidden fee) | All fee points are consolidated on this page and the pricing page—no monthly fee, no hidden fee, no second-tier rate |
| Key rules (failure criteria / usage limits) aren't spelled out, and get explained off the cuff only after something goes wrong | Fees, failure causes and usage rules are all published; this page and the pricing page are authoritative |
Orders already placed are executed at the rate at order time; changes are not retroactive
A rate change takes effect only for new orders placed after the change; it never reaches back to touch an order you've already placed. The first layer of protection lands at the moment you order: when you top up, open a card, or add funds to a card, the system calculates the fee and the amount credited / total cost in real time at the then-current rate and locks it in—for example, topping up 30 USDT shows 29.40 credited, and that figure is fixed the instant you confirm; what you see is exactly the settlement figure. Even if the pricing page is later updated, this order still settles at the figure from when you placed it. The second layer of protection lands in the ledger: we use standard double-entry bookkeeping (an unbalanced entry is rejected outright), reconcile automatically with the upstream issuer every day, and alert on any discrepancy, ensuring the ledger records match the upstream funds. Each layer handles one thing—the first guarantees the price you see is the price actually charged, the second guarantees the books reconcile with the upstream issuer.
All fee points are consolidated in two places, with no second-tier rate
- Top-up fee: tiered and decreasing—2% for 30–500 USDT, 1.5% for 500–1000, and 1% above 1000 USDT
- Card-opening fee: $1–2 per card, depending on the card tier
- Card-limit service fee: 2% of the card's opening limit
- Card top-up fee: 2% to move funds from your platform balance onto the card, effective immediately
- Three "no"s: no monthly fee, no hidden fee, no second-tier rate—an open card that goes unused incurs no charge at all
- Even the unflattering costs are laid out: independent-limit cards charge $0.60 per failed payment (the upstream cost passed through at cost, not a cent added), while shared-limit cards (the main card tier) are exempt
How to verify for yourself that the policy hasn't been quietly changed
- Before ordering, check the fee and the amount credited that the system calculates in real time—this is the locked-in value for this order; the figure is fixed the instant you confirm and is unaffected by any later change
- Put this page and the pricing page side by side: all fee points should match across the two, with no third "supplementary note" to be found anywhere
- Before opening a card / topping up a card, confirm the service-fee rate is 2% in each case, then check the total cost (e.g., opening a card with a 26 limit costs at most 28.52)
- When a payment fails, open the transaction details on the card page: the failure cause will only be one of three plainly stated reasons—insufficient limit / insufficient balance / mistyped card details—never some ad hoc new rule