Protocol Fees
Service Fee: 10% of Interest
The protocol takes 10% of interest on every loan. Not from the loan amount — only from the interest.
Example: a borrower paid 1 GRAM in interest. The lender gets 0.9 GRAM, the protocol gets 0.1 GRAM.
The fee is deducted automatically. The borrower always pays the same amount — the 90/10 split happens inside the protocol.
Gas Costs
Gas is the TON network fee for processing transactions. It doesn't depend on the loan amount.
| Operation | Approximate Cost | Who Pays |
|---|---|---|
| Taking a loan | ~0.25-0.30 GRAM | Borrower |
| Repayment | ~0.05 GRAM | Borrower |
| Claim default | ~0.05 GRAM + service fee | Lender |
| Create escrow and first strategy setup | ~0.05 GRAM | Lender (one time) |
| Publish / update strategy | ~0.05 GRAM | Lender |
| Top-up / withdrawal | ~0.05 GRAM | Lender |
Gas depends on the network and the exact message route. For borrowing, part of the extra buffer usually returns as excess, so these numbers are better treated as a range than as a fixed single value.