Fees & Transparency
No unflat fees and 0 subscriptions. Here is every cost, including the ones that aren't ours.
No fee on your yield
unflat charges no fees and has no subscriptions. It takes nothing from the yield your money generates.
Example
Money in Savings
€10,000
Interest in one year, if the rate were 5%
about €500
unflat fee
€0
What you keep
about €500
The example is not a forecast: the rate is variable and the lending market sets it. Your money is held in USDC, so its value in euros also moves with the exchange rate.
What we do NOT charge
No performance fee
No management fee
No subscription or paid plan
No unflat fee on deposits
No unflat fee on withdrawals
No account fee
Costs that are not ours
Third parties may charge fees. None of them is unflat revenue:
Card and bank payments. MoonPay and Coinbase may charge for card and bank payments, in and out. The app shows the fee before you confirm.
Vault fees. The curators of the Morpho vaults charge fees, deducted before the rate is calculated.
Network fees. unflat currently pays network fees on Base, through Pimlico. USDC sent from Ethereum, Arbitrum, Optimism or Polygon reaches Base with a small network fee; from other networks it can be lost.
Cover. If you turn on optional cover, covered money earns a slightly lower rate.
We name these because a rate that hides them is not a transparent rate.
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