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

# Pricing & Fees

> Devdraft's standard fees for wallet transfers, bank payouts, virtual accounts, and bank collections.

*Rates verified as of 5 October 2026.*

<Warning>
  These are Devdraft's **default** rates. Some businesses have custom pricing on their account, which replaces these rates entirely. If you're not sure which applies to you, check with your account contact or **Get Help** in the app.
</Warning>

## Wallet Transfers (USDC)

Fees apply to USDC transfers to and from your Devdraft wallet, charged as a percentage plus a flat fee. Whether you're sending or receiving affects the rate:

| Movement | Sending | Receiving |
| - | - | - |
| **External** — to or from an address outside Devdraft | 1.3% + \$2.00 | 1.0% + \$1.30 |
| **Internal** — between Devdraft wallets | 1.0% + \$1.00 | 1.0% + \$1.00 |
| **Local** — regional and mobile-money corridors | 6.0% (forex charge) | 6.0% (forex charge) |

<Info>
  The 6% local rate is a foreign exchange charge, not a transfer fee — it applies when value crosses currencies on a regional corridor, which is why there's no flat component. External and internal transfers stay in the same currency, so they're priced as percentage + flat instead.
</Info>

**Examples:**

* Sending \$100 externally costs **\$3.30** (1.3% + \$2.00)
* Receiving \$100 externally costs **\$2.30** (1.0% + \$1.30)
* A \$100 local movement costs **\$6.00**, entirely forex

### Small External Sends

Outgoing external wallet sends below **\$100.00** carry an additional **\$2.00 surcharge** on top of the standard rate:

| Amount Sent | Fee | Effective Rate |
| - | - | - |
| \$10.00 | \$4.13 | 41.3% |
| \$50.00 | \$4.65 | 9.3% |
| \$99.99 | \$5.30 | 5.3% |
| \$100.00 | \$3.30 | 3.3% |
| \$500.00 | \$8.50 | 1.7% |

<Warning>
  The surcharge drops away entirely at exactly \$100 — sending \$99.99 costs \$5.30, while sending \$100.00 costs \$3.30. If you're sending close to that threshold, rounding up to \$100 can save you money.
</Warning>

**Minimum send:** external wallet sends below **\$10** are not accepted.

## Bank Payouts

Bank payouts are priced as a percentage plus a fixed fee. Every rail shares the same rate except Wire:

| Rail | Rate | Minimum Send |
| - | - | - |
| Wire transfer | 3% + \$22.00 | \$100.00 |
| ACH | 3% + \$10.00 | \$21.28 |
| SEPA | 3% + \$10.00 | \$21.28 |
| SWIFT | 3% + \$10.00 | \$21.28 |
| RTP | 3% + \$10.00 | \$21.28 |
| PIX | 3% + \$10.00 | \$21.28 |
| TED | 3% + \$10.00 | \$21.28 |
| SPEI | 3% + \$10.00 | \$21.28 |
| Transfers | 3% + \$10.00 | \$21.28 |
| ACH COP | 3% + \$10.00 | \$21.28 |

<Info>
  A returned bank payout currently carries no additional return fee.
</Info>

## Virtual Accounts

| Charge | Rate | Fixed |
| - | - | - |
| Deposit into a virtual account | 0% | \$4.00 |

This is a flat fee per deposit, with no percentage component.

## Bank Collection (ACH Pull)

When Devdraft debits a connected bank account on your behalf, two separate charges apply:

| Component | Charge | Deducted |
| - | - | - |
| Bank fee | \$1.00 flat | From the amount collected |
| Platform fee | 1.0% + \$1.30 | From the resulting USDC, once it settles |

**Example:** Collecting \$100.00 — the bank fee of \$1.00 is deducted first, leaving \$99.00 as USDC. The platform fee of 1.0% + \$1.30 on that \$99.00 is \$2.29. **Net amount received: \$96.71** (an all-in cost of about 3.3%).

<Warning>
  Collections of **\$1.00 or less** are not accepted — the flat bank fee alone would consume the entire amount.
</Warning>


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