{
  "object": "stackit_fee_schedule",
  "version": "2026-06-11",
  "headline": "You pay when you reach for upside. You never pay when you reach for safety.",
  "canonical_copy": "Two fees. 2% when USDC converts into BTC or ETH. 2% the first time you open credit at a new level, and that fee includes active protection for the life of the loan. Everything else is free: deposits, holding, selling back to USDC, repaying, withdrawing, leaving, and every action our automation takes on your behalf. Protection executions pay their own network gas, typically under $0.05, from your balance, capped and auditable. As platform volume grows, fees step down for everyone.",
  "customer_sentence": "You pay 2% when new money enters crypto and when your credit passes its all-time high. Every cycle, every protection action, every repayment, and every exit is free, no matter which way the market went.",
  "active_plan_version": "v2",
  "current_tier": {
    "tier": "Launch",
    "platform_volume_usd": null,
    "buy_fee_pct": 2,
    "new_credit_fee_pct": 2,
    "status": "volume reporting pending"
  },
  "tiers": [
    { "tier": "Launch", "platform_volume_min_usd": 0, "buy_fee_pct": 2, "new_credit_fee_pct": 2 },
    { "tier": "Growth", "platform_volume_min_usd": 10000000, "buy_fee_pct": 1.75, "new_credit_fee_pct": 1.75 },
    { "tier": "Scale", "platform_volume_min_usd": 50000000, "buy_fee_pct": 1.5, "new_credit_fee_pct": 1.5 },
    { "tier": "Network", "platform_volume_min_usd": 100000000, "buy_fee_pct": 1.25, "new_credit_fee_pct": 1.25 }
  ],
  "rules": {
    "deposit_usdc": { "stackit_fee_pct": 0, "label": "Free" },
    "buy_btc_eth": { "stackit_fee_pct": 2, "label": "2% when USDC converts into BTC or ETH" },
    "new_credit": { "stackit_fee_pct": 2, "label": "2% only on new credit above high-water mark" },
    "reborrow_within_high_water_mark": { "stackit_fee_pct": 0, "label": "Free" },
    "sell_to_usdc": { "stackit_fee_pct": 0, "label": "Free" },
    "repay": { "stackit_fee_pct": 0, "label": "Free" },
    "withdraw": { "stackit_fee_pct": 0, "label": "Free" },
    "protection_actions": { "stackit_fee_pct": 0, "label": "Free, network gas only within published caps" }
  },
  "fee_decision_tree": [
    { "check": 1, "condition": "initiator == protection", "fee": 0, "note": "Every protection leg is free; network gas only within caps." },
    { "check": 2, "condition": "action is sell, repay, deposit, withdraw, or exit", "fee": 0, "note": "Safety direction and exits are free." },
    { "check": 3, "condition": "borrow or swap within the high-water mark", "fee": 0, "note": "Exposure was already paid for." },
    { "check": 4, "condition": "new money converting into crypto, or credit/exposure above all-time high", "fee_pct": 2, "note": "Fee applies only to the new amount." }
  ],
  "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": "v2",
    "legacy_accounts": "legacy plan until migration milestone",
    "migration_milestone": "pending bridge-revenue model decision",
    "migration_high_water_mark": "highest credit level reached under legacy plan"
  },
  "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"
}