> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spritz.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# End-user pricing

> The standard fees your users pay on Spritz transactions.

This page lists the standard rates your end users pay. Fees are charged only when a user
moves value — crypto to fiat, or fiat to crypto. There is no fee to hold a Spritz
account.

Every fee is quoted before the user commits. See [Fees](/guides/fees) for how the fee
appears in a quote or deposit response, and how you can subsidize it.

## How a fee is calculated

Each fee has two parts: a **percentage** of the transaction amount, and a **minimum**
per-transaction amount. The fee charged is whichever is greater.

```
fee = max(rate × amount, minimum)
```

The rate is additive. Start from the base rate, then add every adjustment that applies —
the rail used, the token and network, and the size of the transaction. The minimum is the
largest of the base minimum and any minimum an adjustment sets.

## United States and Canada

### Crypto to fiat

The base rate is **0.5%**, with a **\$2** minimum. Adjustments apply on top.

**By rail**

| Rail                            | Rate adjustment | Minimum |
| ------------------------------- | --------------- | ------- |
| `ach_standard` — ACH to bank    | —               | \$2     |
| `ach_same_day` — same-day ACH   | +1%             | \$2     |
| `rtp` — RapidPay instant payout | +1%             | \$2     |
| `push_to_card` — push to card   | +0.5%           | \$2     |
| `bill_pay` — bill payment       | +0.5%           | \$4     |

**By token and network**

| Network                                              | Token            | Rate adjustment | Minimum |
| ---------------------------------------------------- | ---------------- | --------------- | ------- |
| Arbitrum, Avalanche, Base, Optimism, Polygon, Solana | USDC             | —               | \$2     |
| Arbitrum, Avalanche, Base, Optimism, Polygon, Solana | All other tokens | +0.5%           | \$2     |
| Ethereum                                             | All tokens       | +0.5%           | \$2     |
| Tron                                                 | USDC             | +0.5%           | \$2     |
| Tron                                                 | USDT             | +1.5%           | \$2     |
| Sui                                                  | USDC             | +1%             | \$2     |
| Sui                                                  | SUI              | +2%             | \$2     |
| BNB Smart Chain                                      | All tokens       | +1%             | \$2     |
| DASH                                                 | DASH             | +1.25%          | \$2     |
| Ripple                                               | XRP              | +1.5%           | \$2     |
| Bitcoin                                              | BTC              | +1.5%           | \$5     |

Stablecoins on low-cost networks are the cheapest way for a user to pay. If you choose
which network to present, defaulting to USDC on one of the no-adjustment networks keeps
your users' fees lowest.

**By transaction size**

| Size                               | Rate adjustment |
| ---------------------------------- | --------------- |
| Regular (≤ \$20,000)               | —               |
| Large (> \$20,000 and ≤ \$100,000) | +0.5%           |
| Super (> \$100,000)                | +1.0%           |

<Note>
  RapidPay (`rtp`), same-day ACH (`ach_same_day`), and push to card (`push_to_card`)
  cost an **additional 1%** on weekends and US bank holidays.

  Each user gets **one free instant transaction per month**, up to \$1,000, exempt from
  that 1% instant-rail adjustment and from the weekend and holiday surcharge. Standard
  fees still apply.
</Note>

### Fiat to crypto

On-ramps are a flat **1%**, with no minimum. A wire-funded on-ramp costs an additional
**\$20**.

## Other supported countries

These rates apply to users in Andorra, Australia, Austria, Belgium, Brazil, Cyprus,
Czechia, Denmark, Finland, France, Germany, Gibraltar, Greece, Ireland, Italy,
Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia,
Slovenia, Spain, Sweden, Switzerland, the United Arab Emirates, and the United Kingdom.

| Transaction                    | Rate    | Minimum |
| ------------------------------ | ------- | ------- |
| Bank transfer (crypto to fiat) | 1% flat | None    |
| On-ramp (fiat to crypto)       | 1% flat | None    |

These rates are genuinely flat: no rail, token, network, or transaction-size adjustments
apply outside the US and Canada.

## Worked examples

<AccordionGroup>
  <Accordion title="\$2,000 of USDC on Base, off-ramped by ACH">
    * Base rate: 0.5%
    * `ach_standard`: no adjustment
    * USDC on Base: no adjustment
    * Regular size: no adjustment

    Rate is **0.5%** and the minimum is **\$2**.

    `max(0.5% × $2,000, $2)` = **\$10**
  </Accordion>

  <Accordion title="\$1,500 of WETH on Arbitrum, paying a credit card bill">
    * Base rate: 0.5%
    * `bill_pay`: +0.5%, minimum \$4
    * Non-USDC on Arbitrum: +0.5%
    * Regular size: no adjustment

    Rate is **1.5%** and the minimum is **\$4**.

    `max(1.5% × $1,500, $4)` = **\$22.50**
  </Accordion>

  <Accordion title="\$150 of BTC on Bitcoin, off-ramped by ACH — the minimum applies">
    * Base rate: 0.5%
    * `ach_standard`: no adjustment
    * BTC on Bitcoin: +1.5%, minimum \$5
    * Regular size: no adjustment

    Rate is **2%** and the minimum is **\$5**.

    `max(2% × $150, $5)` = **\$5**, because 2% of \$150 is only \$3.
  </Accordion>
</AccordionGroup>

## Related

<CardGroup cols={2}>
  <Card title="Fees" icon="receipt" href="/guides/fees">
    How fees are quoted, returned, and subsidized.
  </Card>

  <Card title="What we support" icon="globe" href="/guides/supported">
    Networks, tokens, rails, and regions.
  </Card>
</CardGroup>