Fees
The authoritative, real-time fee schedule is the one shown at the point of action. This page reflects the standing posture.
Card
| Domestic purchases | Free |
| International purchases | Card-network FX rate |
| Monthly maintenance | Free |
| Virtual and physical card issuance | Free |
| Card withdrawal to a connected wallet, on-chain | Free |
| Card withdrawal to another Encrypto user | Free |
Sending
| Peer-to-peer | Free |
| Bank send (domestic real-time rails) | Free |
| Wires and other higher-cost rails | Surfaced at the point of send |
| Wallet send (on-chain) | Network gas only; Encrypto may sponsor on supported L2s |
Crypto conversion
When the user spends a non-settlement-stablecoin asset, the liquidity engine handles conversion at swap time. The quoted output is shown on the same screen as the spend confirmation; if the route falls outside the slippage tolerance, the transaction is declined rather than executed at a degraded rate.
Yield
The rate at deposit is what executes. Any platform service fee is surfaced in-app at the point of deposit.
Schedule changes
Pricing changes are surfaced in-app before they take effect.