finops:
  overview: >
    Cryptomus operates a percentage-based fee model for payment processing with no fixed
    monthly subscription for the core merchant API. Costs scale directly with transaction
    volume. Exchange trading uses a tiered maker/taker model. Internal transfers between
    Cryptomus users are free.
  payment_processing:
    model: percentage_per_transaction
    standard_commission: '2%'
    negotiated_minimum: '0.4%'
    volume_negotiation: true
    contact_required_for_reduced_rates: true
    notes: >
      The 2% standard rate applies to new merchants. Volume-based reduction to as low as
      0.4% is available by contacting Cryptomus. Specific rates depend on business type,
      monthly turnover, and integration method.
  per_currency_customization:
    enabled: true
    range_percent: '-99 to 100'
    description: >
      Merchants can apply per-cryptocurrency discounts (negative values) or surcharges
      (positive values) up to 100%, allowing custom pricing per payment method.
  auto_convert:
    cost: Free
    description: >
      Automatic conversion of incoming cryptocurrency payments to a preferred currency
      (e.g., BTC to USDT) is provided at no additional charge.
  internal_transfers:
    cost: Free
    description: >
      Transfers between Personal, Business, and P2P trading wallets within Cryptomus,
      and payments between Cryptomus users, incur no fees.
  withdrawals:
    model: per_transaction_network_fee
    applies_to: Third-party wallet withdrawals only
    internal_free: true
    priority_options:
      - recommended
      - economy
      - high
      - highest
    supported_networks_for_priority:
      - BTC
      - ETH
      - POLYGON
      - BSC
    description: >
      Withdrawal fees apply only to transactions sent to external (third-party) wallets.
      Priority levels are available for BTC, ETH, POLYGON, and BSC networks affecting
      transaction confirmation speed and cost.
  trading:
    model: maker_taker_tiered
    starting_fee: '0.04%'
    tiers_by_monthly_volume: true
    maker_lower_than_taker: true
    description: >
      Exchange trading fees start at 0.04% and are tiered based on monthly trading volume.
      Maker orders (limit orders adding liquidity) pay lower fees than taker orders
      (market orders consuming liquidity).
  staking_yields:
    model: apy_percentage
    eth: '3%'
    usdt: '3%'
    bnb: '3%'
    dai: '3%'
    trx: '20%'
    notes: >
      Yields represent annual percentage yield (APY). Rates are subject to change.
      Rewards begin accruing within 6 hours of deposit.
  p2p_and_onramp:
    fees: Variable
    description: >
      P2P exchange and fiat-to-crypto on-ramp (SEPA/SWIFT) fees vary by method and
      counterparty. Consult the platform fee pages for current schedules.
  cost_optimization_tips:
    - Negotiate commission reduction (2% to 0.4%) based on expected monthly volume before going live
    - Use auto-convert (free) instead of manual conversion to avoid conversion fees
    - Use internal Cryptomus wallets for user-to-user settlements to avoid withdrawal fees
    - Use economy priority for non-urgent BTC/ETH payouts to minimize network fees
    - Apply accuracy_payment_percent (0-5%) tolerance to reduce failed/partial payment friction without extra cost
    - Avoid regenerating payout API keys unnecessarily due to 24-hour withdrawal block
  references:
    payment_fees: https://cryptomus.com/fees/payment
    documentation: https://doc.cryptomus.com/
    processing: https://cryptomus.com/processing