Pricing built for every Swaps money path.
Pricing is the path your money takes. Swaps pricing covers live routes, Pay Invoice, Payment Links, Wallet, and Payroll. Each product has its own source of truth, visible costs, and gates before funds move.
Plans at a glance
- Buy / Sell / Swap: $0 Swaps-side fee. Compare provider-priced routes by final receive amount; Swaps can earn provider-side revenue share. Final receive amount. Swaps does not add a user-facing fee on Buy, Sell, or Swap. Provider processing, FX or spread, and network or gas costs can still apply. Source of truth: Live quote first, then selected provider checkout before confirmation.
- Pay an invoice: 1% Bridge developer fee. Pay supported bank invoices with USDC while the recipient gets fiat. Recipient gets the exact fiat invoice amount. Flat 1% Bridge developer fee added on top, Bridge/provider FX quote, USDC source chain, and per-rail minimums. Source of truth: Pay Invoice review screen and Bridge/provider funding quote.
- Payment Links: 1% Bridge developer fee. Create payment requests; paid Bridge-executed movement carries the same developer fee. Payer amount and merchant settlement destination. Drafting links has no setup or subscription cost. Paid Bridge-executed movement carries the flat 1% developer fee. Provider, network, FX or spread costs are shown before funds move. Source of truth: Activated link, payer rail selection, and provider settlement snapshot.
- Swaps Wallet: $0 Swaps fee for direct Tempo. Hold and move a Tempo USD balance with passkey approval. Direct Tempo wallet balance and transfer. No Swaps fee for holding or direct Tempo receive/send. Tempo gas is about $0.03 per transfer. Cross-network routes show provider and network costs before approval. Source of truth: Wallet action review, Tempo network fee, and route-specific review screen.
- Payroll: 1% Bridge developer fee. Execute approved pay runs; Bridge-executed payout movement uses the same developer fee. Approved pay run and row-level payout execution. Bridge-executed payout movement carries the flat 1% developer fee. Provider and network costs are borne by the employer under provider terms. Source of truth: Approved pay run, funding instructions, provider execution, and row status.
Where the price is set
For Buy, Sell, and Swap routes, the user-facing Swaps-side fee is $0 and Swaps can earn provider-side commission or revenue share; the final receive amount stays the comparison anchor. Pay Invoice, Payment Links, and Payroll use the same flat 1% Bridge developer fee for Bridge-executed movement. For Wallet, direct Tempo receive/send has no Swaps fee and Tempo gas is about $0.03.
Money paths
- Live route quote: Compare provider-priced routes by the final receive amount.
- Pay an invoice: USDC funding, fiat recipient payout, flat 1% Bridge developer fee.
- Payment Links: Activation and rail support decide how the 1% Bridge developer fee applies.
- Swaps Wallet: Direct Tempo use is separate from provider-executed routes.
- Payroll: Execution pricing uses the same flat 1% Bridge developer fee.
How pricing stays accurate
The final number comes from the live quote, invoice review, activated link, wallet action, or approved pay run before approval.
- Shown before approval: Route, provider, network, FX, and Bridge developer fees are disclosed in the product review before funds move.
- Provider costs stay visible: Provider-executed flows keep pricing, verification, transfer execution, and settlement tied to the route or provider that owns them.
- Unavailable routes stop early: Unsupported routes, missing endorsements, workspace gates, and recipient readiness gaps block or explain the state before approval.
Product-specific questions
- How does Swaps make money across products? For Buy, Sell, and Swap, Swaps adds $0 user-facing Swaps-side fee and can earn provider-side commission or revenue share. Bridge-executed products such as Pay Invoice, Payment Links, and Payroll use a flat 1% Bridge developer fee. User-facing costs must be visible before approval.
- What does Pay an invoice cost? Pay an invoice uses a flat 1% Bridge developer fee added on top of the invoice amount. The recipient gets the exact fiat invoice amount. Bridge/provider FX, corridor support, source chain, rail minimums, and verification still apply.
- What do Payment Links cost? There is no setup or subscription cost for drafting links. Paid Bridge-executed movement uses the same flat 1% Bridge developer fee. Activation, payer rails, provider costs, network costs, FX or spread still need to be visible before money moves.
- What are Wallet fees? There is no Swaps fee for holding a Swaps Wallet balance or for direct Tempo receive/send. Tempo gas is about $0.03 per transfer and can vary. Cross-network or wallet-adjacent routes can include disclosed provider and network costs.
- What does Payroll cost? Payroll uses the same flat 1% Bridge developer fee for Bridge-executed payout movement. Provider and network costs are borne by the employer under provider terms. Payroll is execution only; it does not calculate payroll taxes, issue payslips, or handle EOR work.
- Can pricing change before approval? Yes. Provider availability, market rates, network cost, eligibility, rail support, and risk checks can change. The relevant product surface should refresh or block a route rather than silently changing the economics.
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