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Live fees
These values come from the production fee rules table. When super-admins update fees in the console, this page reflects them immediately.
Domestic e-money mode: cross-border fee corridors are not active.
| Name | Flow | Charge | Notes |
|---|---|---|---|
| Float top-up (always 0) | float topup | M0.00 flat | Product invariant: platform float top-up and shop agent float ops never charge a fee. |
| Agent withdraw 1% | agent withdraw | 1.00% | Total 1% of principal: 0.5% agent + 0.2% pool + 0.3% platform. |
| Merchant B2B 0.3% | merchant b2b | 0.30% | B2B: sending merchant pays 0.3% from settlement; recipient gets full principal. |
| Merchant disbursement B2C 0.5% | merchant disbursement | 0.50% | B2C: merchant settlement pays 0.5% fee; customer receives full principal. |
| Merchant payment 0.5% | merchant payment | 0.50% | C2B pay-merchant: payer pays 0.5% like P2P (0.2% pool + 0.3% platform). Merchant receives full principal. |
| P2P transfer 0.5% | p2p transfer | 0.50% | Total 0.5% of principal: 0.2% agent pool + 0.3% platform. No per-agent share. |
| Shop withdraw 1% | shop withdraw | 1.00% | Customer shop cash-out uses agent_withdraw rate (1%); agent share folds to platform. Agent/merchant shop cash-out is free. Shop deposits are always free. |
KYC tiers
Customer transaction limits
Aligned with CBL Schedule 5 KYC tiers (points ≈ Maloti).
| Tier | Daily transfer | Monthly transfer | Daily withdraw | Monthly withdraw |
|---|---|---|---|---|
| Least KYC CBL Least KYC — names, phone, address (Daily M2,500 / Monthly M7,500) |
M2,500 | M7,500 | M2,500 | M7,500 |
| Practical KYC CBL Practical KYC — + passport (Daily M5,000 / Monthly M15,000) |
M5,000 | M15,000 | M5,000 | M15,000 |
| Full KYC CBL Full KYC per ML/TF Act (Daily M7,500 / Monthly M20,000) |
M7,500 | M20,000 | M7,500 | M20,000 |
| Agent Approved agents (float operations; not Schedule 5 customer wallet caps) |
M200,000 | M2,000,000 | M200,000 | M2,000,000 |
| Merchant Approved merchants (C2B settlement; not agent float / cash channel) |
M200,000 | M2,000,000 | M200,000 | M2,000,000 |