Live Fee Calculator

Prices pulled live from stability.untitledfinancial.com. Adjust the inputs and hit Get live quote — the oracle responds in real time.

Settlement amount (USD)

ESG score 75

0 — Poor100 — Excellent

Cross-currency settlement (+0.40% FX component)

Live quote

Core transfer

FX conversion

ESG fee (100% redistributed to impact)

License 0.0100%

All-in total

Market comparison Published rates and industry estimates · sources in footnotes

¹ Commercial bank wire: BofA markup commonly cited ~3%; Wells Fargo discloses rate "includes a markup" without publishing it. All-in 2.5–6% based on NerdWallet, Exiap, FNBO SWIFT GPI case study 2025. ² SWIFT correspondent chain: multi-hop FX spread + lifting fees per bank. SMEs pay 5–8% all-in. FSB Annual Progress Report 2024; Thunes correspondent banking analysis; paymentlabs.io. ³ PayPal Business: published fee structure — 2.99% base + 1.5% cross-border surcharge + 4% FX spread. Source: PayPal business fees page; Airwallex PayPal fee breakdown 2025. ⁴ Convera (formerly WU Business Solutions): FX margin embedded in exchange rate, not disclosed. Range estimated from FXCompared review and Wise comparison 2025. ⁵ Wise Business: published 0.33–0.59% all-in. Source: Wise pricing page; Wise Mission Update Q4 2025. World Bank global average (all providers) Q1 2025: 6.49%; banks specifically: 13.64%. ⁶ Ripple ODL: ~0.15–0.30% estimate. CoinLaw XRP vs SWIFT Statistics 2025; Ripple marketing data. All DPX fees enforced on-chain via DPXSettlementRouter on Base mainnet (chainId 8453).

Quote valid 300 seconds.

Could not reach the oracle. Query directly: GET https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75

How fees are calculated

total = core + fx (if cross-currency) + esg + license

core    = 0.85%
fx      = 0.40%  (cross-currency only)
esg     = (100 - score) / 200     →  0.00% at score 100, 0.50% at score 0
license = 0.01%  (fixed)

Volume discounts apply to the core fee only:

Tier	Monthly Volume	Core Discount
Standard	< $100K	0%
Growth	$100K – $1M	10%
Institutional	$1M – $10M	20%
Sovereign	$10M+	30%

Query the oracle directly

# Standard binding quote (valid 300 seconds)
curl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75"

# Sandbox mode — real fee math, mock settlement reference
curl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75&sandbox=true"

# Verify quote against on-chain enforcement
curl "https://stability.untitledfinancial.com/verify-fees"

See the full API Reference →