Fees & Transparency
Simple, honest pricing. No hidden costs.
unflat operates on a straightforward fee model designed to align our incentives with yours: we only earn when you earn.
Performance fee: 15% on yield
unflat charges a 15% performance fee on yield generated, not on your principal.
This means:
If the protocol generates 0% yield, unflat earns nothing
unflat's fee is calculated only on the interest your deposit generates
Your principal is never touched by fees
Example
Your deposit
€10,000
Gross yield (1 year, ~8.2%)
€820
unflat fee (15% of yield)
€123
Your net earnings
€697
Effective net APY
~7.0%
What we do NOT charge
No deposit fees
No withdrawal fees
No management fees
No account maintenance fees
No hidden spreads
No minimum balance fees
The 15% performance fee is the only revenue unflat takes from users.
Why this model? A performance fee means unflat's incentive is to maximize your returns. If you earn nothing, we earn nothing. Our interests are aligned, which is how it should be.
How this compares
Many competitors obscure their fee structure or take a larger cut without disclosing it clearly. Some charge management fees on your principal regardless of performance, meaning they earn even when you don't.
unflat's approach is different: full transparency, performance-only fees, and everything verifiable on-chain.
Future revenue streams
As unflat grows, additional revenue may come from:
Partnership fees from vault curators
White-label API licensing to fintechs and neobanks
These revenue streams do not affect user fees. The 15% performance fee on yield remains the only cost to users.
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