Fee Structure
DPX uses a four-component fee structure. All fees are enforced on-chain via the DPXSettlementRouter contract on Base mainnet (chainId 8453). There is no off-chain billing, no hidden FX markup, and no fees deducted in transit.
Components
Section titled “Components”| Component | Applies to |
|---|---|
| Core transfer | Every settlement |
| FX conversion | Cross-currency only |
| ESG fee | Every settlement — calculated live from oracle |
| License | Every settlement — fixed, in token contract |
All rates are published on-chain. No rate can be changed without a governance transaction through PolicyManager.
ESG Fee
Section titled “ESG Fee”The ESG fee is calculated live by the ESG Oracle as a sliding-scale surcharge: (100 − avgScore) / 200, expressed as a percentage. Higher score means a lower fee — a perfect score of 100 pays no ESG surcharge, a score of 0 pays 0.50%. 100% of ESG fees are redistributed to verified on-chain impact pools — they are not revenue to Untitled_.
The underlying ESG scoring methodology (how avgScore itself is computed — weighting model, source aggregation) remains proprietary intellectual property of Untitled_ LuxPerpetua Technologies, Inc. See ESG for Institutions for the full worked examples, or apply via the beta access page for institutional methodology documentation.
Volume Discount Tiers
Section titled “Volume Discount Tiers”Volume discounts apply to the core fee only. FX and ESG fees are not discounted.
| Tier | Monthly Volume |
|---|---|
| Standard | < $100K |
| Growth | $100K – $1M |
| Institutional | $1M – $10M |
| Sovereign | $10M+ |
ESG Impact Redistribution
Section titled “ESG Impact Redistribution”100% of ESG fees flow automatically to verified on-chain impact pools via ESGRedistribution (0x4F3741252847E4F07730c4CEC3018b201Ac6ce87).
| Pool | Share | Aligns with |
|---|---|---|
| Ocean Conservation | 30% | TCFD, GFANZ, SFDR PAI |
| Renewable Energy | 25% | IRA, GFANZ, SFDR PAI |
| Forest Preservation | 20% | TCFD, UN PRI, CSRD/ESRS |
| Climate Action | 15% | Paris Agreement, SFDR |
| Clean Water | 10% | UN SDG 6, OHCHR |
Every redistribution event is recorded on-chain via the RedistributionExecuted event — auditable by any counterparty, regulator, or SFDR-reporting fund without relying on DPX infrastructure.
Competitive Context
Section titled “Competitive Context”World Bank Remittance Prices Q1 2025: global average 6.49% · banks specifically 13.64%.
| Provider | Typical All-In | What you get |
|---|---|---|
| Commercial bank wire (BofA / Wells / Chase) | 2.50–6.00% | Opaque FX markup, T+2–5, no audit trail |
| SWIFT correspondent chain (SME / mid-market) | 3.00–8.00% | Multi-hop fees, short-payment risk, no on-chain receipt |
| PayPal Business international | 7.00–8.50% | Consumer-grade, not programmable |
| Convera / WU Business | 1.50–4.00% | FX margin embedded, non-transparent |
| Wise Business (published) | 0.33–0.59% | Best-in-class FX rate — no ESG, no oracle, no compliance layer |
| Ripple ODL (estimated) | 0.15–0.30% | Blockchain settlement rail — no ESG, no stability oracle, no regulatory positioning |
DPX is not the cheapest on raw rate. It is the only settlement rail that combines programmable execution, live ESG scoring with on-chain impact redistribution, a 9-layer stability oracle with 30–90 day early warning signals, and structural alignment with MiCA, FCA PSR, and Basel III Group 1b — in a single non-custodial on-chain product.
Get a live quote
Section titled “Get a live quote”# Typical institutional settlementcurl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75"
# Best-case same-currencycurl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=false&esgScore=100"
# Sandbox mode — real calculations, no settlementcurl "https://stability.untitledfinancial.com/quote?amountUsd=5000000&hasFx=true&esgScore=75&sandbox=true"Quotes are binding for 300 seconds and include a quoteId for on-chain verification via /verify-fees.
See API Reference for full parameter documentation.