{
  "object": "stackit_fee_schedule",
  "version": "2026-06-12",
  "headline": "You never pay for safety. You pay when the system reaches for upside \u2014 including when it reaches on your behalf \u2014 and every execution is itemized.",
  "canonical_copy": "Stackit charges 2% on deposits, 2% when USDC converts into BTC or ETH, and 2% per borrowing execution \u2014 including the automated re-leverage cycles that rebuild your position as prices recover. Everything that protects you or pays you back is free: auto-repay, deleveraging, parking, selling to USDC, repaying, withdrawing, and leaving. Every fee-bearing execution appears in your audit trail with the trigger that caused it and the exact amount. Cycle fees step down for the whole platform as volume grows \u2014 see the live schedule.",
  "customer_sentence": "You pay 2% when money enters, when USDC converts into BTC or ETH, and each time the system borrows on the way up. Every protection action, repayment, and exit is free, no matter which way the market went.",
  "active_plan_version": "v3",
  "current_tier": {
    "tier": "Launch",
    "platform_volume_usd": null,
    "deposit_fee_pct": 2,
    "buy_fee_pct": 2,
    "cycle_fee_pct": 2,
    "status": "volume reporting pending"
  },
  "tiers": [
    {
      "tier": "Launch",
      "platform_volume_min_usd": 0,
      "cycle_fee_pct": 2,
      "status": "current"
    },
    {
      "tier": "Growth",
      "platform_volume_min_usd": null,
      "cycle_fee_pct": 1.5,
      "status": "threshold published at first step-down"
    },
    {
      "tier": "Scale",
      "platform_volume_min_usd": null,
      "cycle_fee_pct": 1,
      "status": "threshold published at first step-down"
    }
  ],
  "rules": {
    "deposit": {
      "stackit_fee_pct": 2,
      "label": "2% when funds enter Stackit"
    },
    "convert_usdc_to_btc_eth": {
      "stackit_fee_pct": 2,
      "label": "2% of the amount converted"
    },
    "borrow_per_execution": {
      "stackit_fee_pct": 2,
      "label": "2% of the amount borrowed, per execution \u2014 manual borrows and automated re-leverage cycles alike"
    },
    "releverage_cycle_upward_leg": {
      "stackit_fee_pct": 2,
      "label": "2% of the amount, per execution; steps down with platform volume"
    },
    "auto_repay_deleverage_parking_downward_legs": {
      "stackit_fee_pct": 0,
      "label": "Free, always \u2014 protection never charges"
    },
    "sell_to_usdc": {
      "stackit_fee_pct": 0,
      "label": "Free"
    },
    "repay": {
      "stackit_fee_pct": 0,
      "label": "Free"
    },
    "withdraw_exit": {
      "stackit_fee_pct": 0,
      "label": "Free \u2014 leaving Stackit costs nothing"
    },
    "gas_on_protection": {
      "stackit_fee_pct": 0,
      "label": "Network gas from user balance, typically under $0.05, capped per action and per month"
    }
  },
  "fee_decision_tree": [
    {
      "check": 1,
      "condition": "leg == downward (auto-repay, deleverage, parking) or initiator == protection going down",
      "fee": 0,
      "note": "Downward legs are free, always; network gas only within caps."
    },
    {
      "check": 2,
      "condition": "action is sell, repay, withdraw, or exit",
      "fee": 0,
      "note": "Paying back and leaving are free."
    },
    {
      "check": 3,
      "condition": "action is deposit, convert, or borrow (including automated re-leverage)",
      "fee_pct": 2,
      "note": "2% of the amount, per execution, itemized in the audit trail with its trigger."
    }
  ],
  "dormancy": {
    "window_months": 6,
    "warning_days_before_expiry": [
      60,
      30,
      7
    ],
    "park_target_ltv": 25,
    "parked_monitoring": "daily",
    "reactivation": "any buy or borrow transaction"
  },
  "protection_trigger": {
    "metric": "health_score",
    "default_protect_below_health_score": 1.3,
    "default_repay_above_health_score": 3,
    "rule": "Protect at Health Score 1.3 by default and repay above Health Score 3 by default. Operators can choose tighter bands, and the policy is evaluated as collateral prices change.",
    "threshold_configurability": "operator-configurable; tighter protection bands are supported",
    "price_dynamics": "evaluated continuously as BTC and ETH prices change",
    "repayment_source": "user collateral",
    "target_ltv_after_rewind": 25
  },
  "plan_versioning": {
    "new_accounts": "v3",
    "legacy_accounts": "legacy plan until migration milestone",
    "migration_milestone": "pending bridge-revenue model decision"
  },
  "gas": {
    "protection_actions": "paid from user balance",
    "typical_cost_usd": "under 0.05",
    "caps": "queryable through get_policy_state"
  },
  "docs": "https://www.stackit.ai/pricing",
  "trust": "https://www.stackit.ai/trust",
  "tier_ratchet": "One-way ratchet: cycle fees never step back up. Schedule reviewed annually.",
  "audit_trail": {
    "commitment": "Every fee-bearing execution appears in the audit trail with timestamp, action, leg direction, the trigger that fired it, amount, fee, and gas.",
    "fields": [
      "initiator",
      "leg",
      "trigger",
      "fee"
    ]
  }
}