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Standard Pricing

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Global charges

TypeDetailsFeeNotes
Compliance (KYB)Onboarding of customers businesses$80.00 (If applicable)Free for the first 100 businesses
Compliance (KYC)ID verification (Passport, NRIC & Driving License)$3.00 (If applicable)Free for the first 1,000 users
Compliance relianceSubject to compliance approval$5,000.00Monthly
Monthly minimumMonthly minimum fee (beginning of billing cycle)$5,000.00Waived
Integration feesOne-time fee$5,000.00Waived

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OTC

OTC pricing for available currencies is listed below:
CurrencyTypePricing
AEDFiat10 bips over/under mid market/XE
AUDFiat10 bips over/under mid market/XE
CADFiat10 bips over/under mid market/XE
CHFFiat10 bips over/under mid market/XE
EURFiat10 bips over/under mid market/XE
GBPFiat10 bips over/under mid market/XE
JPYFiat10 bips over/under mid market/XE
NZDFiat10 bips over/under mid market/XE
SEKFiat10 bips over/under mid market/XE
SGDFiat10 bips over/under mid market/XE
ZARFiat10 bips over/under mid market/XE

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Virtual account

Fin.com charges a monthly maintenance fee per virtual account, with no additional setup fees required for account creation. The monthly fee structure for virtual accounts is outlined below:
Country/ RegionDetailsChannelsMonthly fee per accountCategory
USAPer account fee, per monthACH Push/Wire$2.00B2B & Retail
EuropePer account fee, per monthSEPA Instant$0.50B2B & Retail
UAEPer account fee, per monthBank Transfer$0.50B2B & Retail

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On-ramps/Pay-ins

Fin.com’s standard (Rack rate) on-ramp (Fiat to USDC) pricing across all channels consists of a fixed transaction fee and a variable percentage rate.
Country/ RegionDetailsChannelsRateTxn fee (USD)Category
GlobalBank transferNamed USD SWIFT (OTC ONLY)0.50%$130.00B2B
USABank transfer through VAsACH Push/Wire0.50%$0.00B2B & Retail
EuropeBank transfer through VAsNamed EUR VA’s0.50%$0.00B2B & Retail
UAEBank transfer through VAsBank transfer0.50%$0.00B2B & Retail
BrazilBank transferPix0.45%$0.30B2B & Retail
MexicoBank transferSPEI0.45%$1.50B2B & Retail

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Off-ramps/Pay-outs

Fin.com’s standard (Rack rate) pricing for off-ramps (USDC-to-Fiat) applies across all channels and consists of a fixed transaction fee and a variable percentage-based rate.
Country/ RegionDetailsChannelsRateTxn fee (USD)Category
GlobalBank transferUSD SWIFT0.2%$120.00B2B & Retail
USABank transferACH Push/Wire0.3%$0.40B2B & Retail
EUBank transferSEPA Instant0.3%$0.00B2B & Retail
UAEBank transferAll Banks0.5%$0.00B2B & Retail
ThailandBank transferAll banks (26)0.5%$1.50B2B & Retail
IndonesiaBank transfer15 banks supported0.5%$1.50B2B & Retail
PhilippinesBank transferMajor banks0.4%$1.50B2B & Retail
CambodiaBank transfer32 major banks supported0.5%$4.00B2B & Retail
VietnamBank transfer42 major banks supported0.5%$1.50B2B & Retail
South KoreaBank transferMajor banks0.5%$2.50B2B & Retail
AustraliaBank transferMajor banks0.5%$4.00B2B & Retail
New ZealandBank transferMajor banks0.7%$4.00B2B & Retail
IndiaBank transferMajor banks0.4%$0.00B2B & Retail
United KingdomBank transferMajor banks0.5%$5.00B2B & Retail
ChinaBank transferSelected major banks2.1%$6.00B2B & Retail
BangladeshWallet / Bank transferAll major banks & E-wallet0.5%$1.00B2B & Retail
MalaysiaBank transfer39 banks0.5%$1.50B2B & Retail
SingaporeBank transferMajor banks0.5%$2.50B2B & Retail
NepalBank transferMajor banks0.5%$1.50B2B & Retail
Sri LankaBank transferMajor banks0.5%$1.50B2B & Retail
MexicoBank transferAll banks0.45%$1.50B2B & Retail
ArgentinaBank transferAll banks0.45%$1.50B2B & Retail
BrazilBank transferAll banks0.45%$0.30B2B & Retail
ColombiaBank transferAll banks2.10%$3.00B2B & Retail
JapanBank transferMajor banks0.6%$8.00B2B & Retail
Hong KongBank transferMajor banks0.5%$4.00B2B & Retail
PakistanBank transferMajor banks0.45%$1.50B2B & Retail
TurkeyWallet / Bank transferMajor banks0.8%$1.90B2B & Retail
BeninWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
CameroonWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
GhanaWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
KenyaWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
MozambiqueWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
NigeriaWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
SenegalWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
TanzaniaWallet / Bank transferMajor banks0.4%$1.50B2B & Retail
UgandaWallet / Bank transferLocal banks0.4%$1.50B2B & Retail
SwitzerlandBank transferLocal banks0.55%$1.50B2B & Retail
Czech RepublicBank transferLocal banks0.7%$2.25B2B & Retail
HungaryBank transferLocal banks0.7%$2.25B2B & Retail
IsraelBank transferLocal banks0.7%$2.25B2B & Retail
PolandBank transferLocal banks0.7%$2.25B2B & Retail
RomaniaBank transferLocal banks0.7%$2.25B2B & Retail

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Volume-Based Pricing Tiers

Custom volume-based pricing is available for businesses processing over $1M per month. To explore our tiers and discuss your specific needs, please email [email protected] to schedule a consultation.

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Minimum Volume Commitments

Fin requires a minimum monthly volume commitment to get started. To discuss how this applies to your business, please send an inquiry to [email protected].

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Settlement Models: Pre-funding vs. Pay-per-Transaction

Fin.com offers two settlement models to accommodate different business needs and transaction patterns.

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Pre-funding Model

With pre-funding, you maintain fiat balances with Fin.com in your preferred currencies (SWIFT USD, local currencies, etc.). Transactions are settled directly from these balances. Key characteristics:
  • Faster settlement times as funds are already available.
  • Manual payout triggering is required using the Settle a transfer or Execute Batch Transfer endpoint.
  • Beneficiary auto_settlement configuration (true or false) does not affect settlement behavior.
  • Refunds and reversals are credited back to your prefunding balance.
Best for:
  • High transaction volumes.
  • Predictable payment flows.
  • Businesses requiring faster settlement.
  • If you want to control the flow of funds.

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Pay-per-Transaction Model

With pay-per-transaction, you send crypto for each individual transaction to the beneficiary’s liquidation address without maintaining balances. Fin.com converts the crypto to fiat upon receipt. Key characteristics:
  • No upfront capital requirements
  • Flexible settlement options: automatic or programmatic
  • Set auto_settlement to true for automatic payouts when crypto is received
  • Set auto_settlement to false to trigger payouts manually via API
  • Refunds and reversals are credited as crypto to the address specified in the beneficiary’s refund_instruction
Best for:
  • Lower transaction volumes
  • Variable payment patterns
  • Businesses preferring transaction-by-transaction control

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Comparison

FeaturePre-fundingPay-per-Transaction
Upfront capitalRequiredNot required
Settlement triggerAlways programmaticAutomatic or programmatic
Settlement speedFasterStandard
PricingVolume-based ratesPer-transaction rates
Refund handlingCredited to balanceCredited as crypto
auto_settlement effectNo effectControls settlement behavior
To set up pre-funding, contact your account manager or email [email protected].
Pre-funding is a must for all local currency payouts (e.g., BDT, INR, EUR).

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Pricing structure

To keep things transparent, we break our pricing into three parts: Exchange Rate (FX Spread): A small margin added to the mid-market rate. Flat Fee: A fixed cost per transaction to cover processing. Transaction Fee: A percentage based on the total transaction volume.

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Developer Fees

Fin.com lets you set your own fees for each transaction your users make. We automatically take these fees from the transaction and hold them in a special account for you. Your earned fees are settled and paid out in USD to your linked bank account during the first week of every month. There are two types of developer fees.
A flat amount is charged per transaction, independent of transaction volume.Applicable to:
  • Virtual accounts
  • Beneficiaries
Example: If you set a fixed fee of 2, every transaction will incur a charge regardless of the transaction amount.
A variable amount calculated as a percentage of the transaction volume.Applicable to:
  • Beneficiaries
  • Virtual accounts (coming soon)
Example: With a 0.5% fee on a $1,000 transaction:
    Fee = $1,000 × 0.5% = $5
Developer fees are always charged in the transaction’s source currency.