Pricing and fees
What goes into the cost of a stablecoin conversion
Converting stablecoins to fiat, or fiat to stablecoins, involves more than one party, and each can add a cost. This page explains where those costs come from and how Sentvia quotes, so you can compare providers on the amount that actually arrives.
- Pricing
- Agreed per client at onboarding
- Rate
- Quoted and locked before you send
- Price list
- None: every conversion is quoted
- Large trades
- Quoted as one trade on the Prime OTC desk
How Sentvia chargesSentvia
The parts of the cost
| Component | What it is | Set by |
|---|---|---|
| Conversion rate | The rate between the stablecoin and the fiat currency, including the provider's margin | The provider |
| Network fee | The fee to move stablecoins on a blockchain, paid by the sender | The blockchain network |
| Payment rail fee | The cost of the bank transfer itself, such as SWIFT or SEPA | The banks on the rail |
| Intermediary deductions | Charges taken by correspondent banks on international transfers | Correspondent banks |
| Receiving bank charges | Any fee your own bank charges for incoming payments | Your bank |
How Sentvia charges
- Pricing is agreed per client during onboarding, based on your volumes and corridors.
- Each conversion is quoted before you commit. You approve the quote, the rate is locked, and that is the rate you settle at.
- The quote tells you what to expect. Ask us at any point how a quote is made up.
Large single conversions go through the Prime OTC desk, quoted as one trade.
How to compare providers
- Ask for the amount that will arrive in your account, not just the rate.
- Ask whether the rate is locked before you send, or set when the funds arrive.
- Ask which rail the fiat leg uses, and whether intermediary banks are on the route.
- Ask whether the account receiving the funds is in your company's name.
This page explains how Sentvia processes payments. It is not investment advice.
FAQ
Common questions
- Why is there no price list?
- Pricing is agreed with each client, and each conversion is quoted individually, so a published list would not match what you pay.
- When do we know the rate?
- Before you send. You approve the quote, and that is the rate the conversion settles at.
- Who pays the blockchain network fee?
- The sender pays it when the stablecoins are sent. It is set by the network, not by Sentvia.
- Can intermediary banks take a deduction?
- On international transfers, yes. Correspondent banks on the route can deduct a charge before the funds arrive. Domestic rails such as SEPA and Faster Payments usually involve no intermediary.
Get started
Get a quote for your payments
Tell us about the payments you expect and a dedicated onboarding officer will guide you through set-up.
