Fee Structure

Overview

Fundflow applies fees to both on-ramp and off-ramp transactions. Fees are company-specific and may include volume-based tiers to provide better rates for higher transaction volumes.

On-Ramp Fees

Applied when converting fiat to crypto

Off-Ramp Fees

Applied when converting crypto to fiat

How Fees Work

Fees are calculated as a percentage of the transaction amount and are deducted from the total:

On-Ramp: Fee is deducted from the fiat amount before conversion
Off-Ramp: Fee is deducted from the crypto amount before conversion

Fee Components

Each ramp request includes detailed fee information:

Field	Description
Fiat Amount	Total fiat amount (including fees)
Fiat Net Amount	Net fiat after deducting fees
Crypto Amount	Cryptocurrency amount
Fiat Fee Amount	Fee amount in fiat currency
Fee Percentage	Percentage rate applied
Exchange Rate	Conversion rate used

Calculating Fees

Using the API

Use the Calculate Fee endpoint to determine fees before creating a ramp request:

POST /v1/fees/calculate
Content-Type: application/json

{
  "amount": 1000.00,
  "type": "ON_RAMP"
}

Response:

{
  "success": true,
  "result": {
    "amount": 10.00,
    "percentage": 1.0
  }
}

The response tells you your fee for that request — the rate is configured per company, so read it from the API rather than assuming a figure.Rates are commercial terms and are not published here. For exact rates, or to request a quote, get in touch at venlyfinance.com/contact.

Your Fee Configuration

Use the Get Company Fee Configuration endpoint:

GET /v1/fees

Response:

{
  "success": true,
  "result": [
    {
      "id": "fee-tier-1-id",
      "companyId": "your-company-id",
      "name": "Standard Tier",
      "type": "ON_RAMP",
      "minVolume": 0,
      "maxVolume": 10000,
      "percentage": 1.5,
      "version": 1
    },
    {
      "id": "fee-tier-2-id",
      "companyId": "your-company-id",
      "name": "Volume Tier",
      "type": "ON_RAMP",
      "minVolume": 10001,
      "maxVolume": 50000,
      "percentage": 1.0,
      "version": 1
    }
  ]
}

Fee Application

When Fees Are Applied

Fees are applied at different stages depending on the ramp type: In both directions the fee is taken in the input currency, before conversion. On-Ramp:

Fiat is sent to Venly deposit account
Fee is deducted from the fiat amount
Net amount is converted to crypto at current exchange rate
Crypto is sent to company wallet

Off-Ramp:

Crypto is sent to Venly deposit wallet
Fee is deducted from the crypto amount
Net amount is converted to fiat at current exchange rate
Fiat is sent to company bank account

Fee Transparency

All fee information is clearly displayed in the ramp request:

{
  "id": "ramp-request-id",
  "rampType": "ON_RAMP",
  "fiatAmount": 1000.00,
  "fiatNetAmount": 990.00,
  "fiatFeeAmount": 10.00,
  "feePercentage": 1.0,
  "cryptoAmount": 990.00,
  "exchangeRate": 1.0,
  // …
}

Exchange Rates

How Rates Are Determined

Exchange rates are determined at the time of conversion and reflect current market conditions:

Rates are sourced from reliable market data providers
Rates include a small spread to account for market volatility
Rates are locked when the transaction enters PROCESSING status

Rate Visibility

The exchange rate used for each transaction is included in the ramp request details:

GET /v1/ramp-requests/{id}

{
  "exchangeRate": 1.0012,
  "fiatAmount": 1000.00,
  "cryptoAmount": 998.80,
  // …
}

Exchange rates may fluctuate between request creation and processing. The final rate is determined when the payment is received and conversion begins.

Best Practices

Before Creating Requests

Calculate Fees First: Always use the fee calculation endpoint before creating large ramp requests to understand the total cost.

Optimizing Costs

Plan Ahead: Schedule large transactions during periods of lower market volatility to minimize exchange rate risk.

Transparency

Review Breakdowns: Always review the complete fee and amount breakdown before approving ramp requests.

Export Records: Use the export functionality to maintain detailed records for accounting and tax purposes.

Calculate Fee

Calculate fees for a specific amount

Get Fee Configuration

View your company’s fee tiers

Create Ramp Request

Create a new transaction

Export Requests

Export transaction records

Understanding Your Invoice

What’s Included

Your Fundflow invoice includes:

Total transaction volume for the billing period
Number of transactions processed
Total fees collected
Breakdown by transaction type (on-ramp vs off-ramp)

Accessing Invoices

View your invoices through the company details:

GET /v1/company

{
  "success": true,
  "result": {
    "id": "company-id",
    "name": "Your Company",
    "invoicesUrl": "https://portal.venly.io/invoices",
    // …
  }
}

Frequently Asked Questions

What are the actual rates?

Rates are agreed commercially rather than published, so they are not listed here. Your own configuration is readable through the API on this page. For exact rates, or to request a quote, get in touch at venlyfinance.com/contact.

Are fees the same for on-ramp and off-ramp?

Fees can be configured differently for on-ramp and off-ramp operations. Check your fee configuration to see the specific rates for each type.

Where can I see every cost on a transaction?

The fee calculation and the ramp request itself show the fee amount and percentage applied. Note that the exchange rate also carries a spread, so the fee percentage is not the only component of the total cost — compare the amount sent against the amount received to see the full picture.

How often do exchange rates update?

Exchange rates are updated in real-time based on market conditions. The rate used for your transaction is locked when processing begins.

What happens if the exchange rate changes after I create a request?

The exchange rate is locked when your transaction enters PROCESSING status (after payment is received). Any rate changes before that point will be reflected in the final conversion.

Can I get a refund on fees if a transaction fails?

If a transaction fails before processing begins, no fees are charged. If it fails during processing, contact us to review the specific case.

Next Steps

Create Ramp Request

Start creating transactions

Account Management

Set up bank accounts and wallets

Glossary

Understand key terms

​Overview

On-Ramp Fees

Off-Ramp Fees

​Fee Structure

​How Fees Work

​Fee Components

​Calculating Fees

​Using the API

​Your Fee Configuration

​Fee Application

​When Fees Are Applied

​Fee Transparency

​Exchange Rates

​How Rates Are Determined

​Rate Visibility

​Best Practices

​Before Creating Requests

​Optimizing Costs

​Transparency

​Fee-Related API Endpoints

Calculate Fee

Get Fee Configuration

Create Ramp Request

Export Requests

​Understanding Your Invoice

​What’s Included

​Accessing Invoices

​Frequently Asked Questions

​Next Steps

Create Ramp Request

Account Management

Glossary

Overview

Fee Structure

How Fees Work

Fee Components

Calculating Fees

Using the API

Your Fee Configuration

Fee Application

When Fees Are Applied

Fee Transparency

Exchange Rates

How Rates Are Determined

Rate Visibility

Best Practices

Before Creating Requests

Optimizing Costs

Transparency

Fee-Related API Endpoints

Understanding Your Invoice

What’s Included

Accessing Invoices

Frequently Asked Questions

Next Steps