Fees

Onboarding — €0

Account maintenance — €0

Pay only per transaction. No hidden fees.

Fiat ↔ Crypto Conversion Fees

EUR

USD, AED, other currencies

Minimum Commission

Each transaction is charged whichever is greater: the percentage rate above, or a flat minimum commission of €20 (or currency equivalent). The €20 minimum is the platform default; a customer may have a custom minimum configured. Like the minimum transaction amount, it does not depend on the verification level — Check Fees returns the exact commission for the customer. This means the commission looks flat at small transaction sizes — the €20 minimum dominates until the percentage rate would itself exceed €20 — and becomes purely percentage-based above that crossover point.

At the standard EUR rate (1.5%), the crossover is around €1,334:

Banking Rail Fees

Charged per transaction, in addition to Conversion fees

Fee Disclosure

• High-risk fees are approximate and are subject to personal fees for each high-risk client case.
• Net Settlement — fees are automatically deducted from the transaction amount before confirmation.
• Developer markup — developers/partners may apply a custom per-transaction markup. This charge is assessed in addition to Stablegate fees.
• Reporting & Audit — full fee data available via /transactions and /reports endpoints for reconciliation and accounting.
• Availability — not all rails and currencies listed above are currently enabled. Always query the Exchange Routes API to confirm available conversion paths.

Check Fees API

Before creating an order, use the fee check endpoint to calculate the exact costs for your customer. This allows you to display accurate fee breakdowns in your application before the customer confirms the transaction.

Endpoint

Calculate fees for a specific exchange operation.

POST /v1/customers/{customer_uuid}/check-fees/

Request Body

Example: On-Ramp Fee Check (source amount specified)

The customer wants to convert 1,000 EUR to USDC.

Request:

curl https://api.stablegate.com/v1/customers/c1d2e3f4-a5b6-7c8d-9e0f-1a2b3c4d5e6f/check-fees/ \
  --request POST \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
  "source": {
    "rail": "sepa",
    "asset": "EUR",
    "amount": 1000
  },
  "destination": {
    "rail": "ethereum",
    "asset": "USDC"
  }
}'

Response:

{
  "source": {
    "rail": "sepa",
    "asset": "EUR",
    "amount": "1000.00"
  },
  "destination": {
    "rail": "ethereum",
    "asset": "USDC",
    "amount": "978.50"
  },
  "commission": {
    "asset": "EUR",
    "amount": "15.00"
  },
  "exchange_rate": "1.006700"
}

In this example:

• The customer sends 1,000.00 EUR
• The fee is 15.00 EUR
• The exchange rate is 1.0067 (EUR/USDC)
• The customer receives 978.50 USDC (after fees and conversion)

Example: Off-Ramp Fee Check (source amount specified)

The customer wants to convert 500 USDT to EUR.

Request:

curl https://api.stablegate.com/v1/customers/c1d2e3f4-a5b6-7c8d-9e0f-1a2b3c4d5e6f/check-fees/ \
  --request POST \
  --header 'X-Api-Key: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
  "source": {
    "rail": "ethereum",
    "asset": "USDT",
    "amount": 500
  },
  "destination": {
    "rail": "sepa",
    "asset": "EUR"
  }
}'

Response:

{
  "source": {
    "rail": "ethereum",
    "asset": "USDT",
    "amount": "500.000000"
  },
  "destination": {
    "rail": "sepa",
    "asset": "EUR",
    "amount": "473.25"
  },
  "commission": {
    "asset": "USDT",
    "amount": "10.00"
  },
  "exchange_rate": "0.966500"
}

Response Fields

Best Practices

• Check fees immediately before order creation to ensure the customer sees the most accurate quote. Exchange rates and fees can fluctuate.
• Display the full breakdown to your customers: source amount, fee, and destination amount.
• Handle both directions: some customers think in terms of "I want to send X," others in terms of "I want to receive Y." Use source.amount or destination.amount accordingly.