Fees on the NUSDpay platform are configured independently per project, supporting flexible fee schemes. This document describes the fee model and calculation method for each business stage.

Fee Overview

Business StageFee TypeDescription
PayinPercentage feeCharged as a percentage of the deposit amount
PayoutPercentage feeCharged as a percentage of the payment amount
SettlementFixed fee + OTC ratePer-transaction fixed fee + percentage of the settlement amount
TransferFreeNo fee for inter-project NUSD transfers
The above fees are configured independently per project; different projects may have different fee schemes. The specific fees are subject to the contractual agreement. You can view the current project’s fee configuration in the admin console Fee Station or via the Query Platform Fees API.

Payin Fees

When an end user pays to the merchant’s deposit address, NUSDpay charges a fee based on the deposit amount, which is deducted before crediting to the merchant wallet in NUSD.
Actual credited to merchant (NUSD) = Deposit amount × (1 - Payin fee rate) × Exchange rate
ParameterDescriptionExample
Deposit amountOriginal amount transferred on-chain by the end user1000 USDT
Payin fee ratePercentage rate configured per project1.00%
Exchange rateReal-time exchange rate of deposit token → NUSD (if exchange rate conversion is configured)1.0000
Actual creditedNUSD received in the merchant wallet990 NUSD

Exchange Rate Conversion

Payin supports two modes:
  • No exchange rate conversion: Deposit tokens are credited directly as NUSD at 1:1 (applicable to NUSD token deposits)
  • With exchange rate conversion: Deposit tokens are credited as NUSD after being converted at the real-time market exchange rate (applicable to USDT/USDC deposits)
Whether exchange rate conversion is enabled is configured independently per token and can be viewed in Fee Station.

Payout Fees

When merchants initiate on-chain payments to end users’ wallet addresses from their NUSD balance, the fee can be borne in two modes:

App-Pays Mode (Merchant Pays)

End user receives = Payment amount × Exchange rate
Fee = Payment amount × Payout fee rate (additionally deducted from the merchant's balance)

User-Pays Mode (End User Pays)

End user receives = Payment amount × (1 - Payout fee rate) × Exchange rate

Payout Exchange Rate Conversion

During Payout, NUSD needs to be converted to the on-chain token (USDT/USDC). The system performs the conversion at the real-time exchange rate.

Settlement Fees

When the merchant settles NUSD into USD fiat currency:
Actual credited (USD) = Settlement amount (NUSD) × Exchange rate - Fixed fee - (Settlement amount × OTC fee rate)
ParameterDescription
Fixed feeA fixed fee per settlement (configured per project)
OTC fee ratePercentage rate on the settlement amount (configured per project)

Limit Rules

Limit TypeDescription
Minimum withdrawal amountMinimum amount per Payout, configured per token
Maximum withdrawal amountMaximum amount per Payout, configured per token
Payout requests below the minimum withdrawal amount or above the maximum withdrawal amount will be rejected. The specific limits can be viewed in Fee Station.

Gas Fee

The gas fee for on-chain transactions is advanced by the NUSDpay platform and is already included in the service fee rate, so merchants do not need to be concerned about it separately.

Querying Current Fees

Merchants can view the current project’s fee configuration in the following ways:
  • Admin Console: Go to the Fee Station page to view the fee rates, exchange rate conversion toggles, and limit configurations for each token
  • API: Call the Query Platform Fees API to retrieve fee data programmatically

Next Steps

Payin Solution

Learn the complete payin flow and crediting rules.

Payout Solution

Learn the complete payout flow and fee calculation.