Pricing that steps down as your volume grows
Pricing
Built for platforms moving 1 million to more than 50 million a month, in US dollars, euros or pounds.
Every contract has the same parts: a one-off setup fee, a monthly minimum that your usage counts toward, a flat transfer fee per rail, and conversion priced for your corridors and your volume band.
Get a proposal
See a $5M month, line by line
A written proposal with every line within about a week of your scoping call.
Volume bands
Conversion pricing steps down with monthly volume
Conversion is priced in basis points against your monthly volume, and the rate steps down as that volume grows. Your proposal sets where each band starts and the rate in each, so you can see what the next band is worth before you sign.
Your band 1
Starting rate
Conversion at the rate your proposal starts you on, with the monthly minimum sized to your expected volume.
Your band 2
Lower rate
A lower conversion rate once your monthly volume passes the point your proposal sets. The minimum and the transfer fees stay on their own lines.
Your band 3
Lower again
A conversion rate set for each of your corridors, from the next point your proposal sets, written into the proposal line by line.
Your proposal sets where each band starts and the rate in each.
On Fundflow, our API for converting your company’s own funds between bank money and stablecoins, your fee configuration lists every band, and the fee calculation returns your fee before each conversion.
Fee bands in the documentation
Moving less than $1M a month?
Build and test your whole integration in mock mode today, with no credentials, and tell us where your volume is heading. Sandbox credentials follow a scoping call.
Worked example
A platform moving $5M a month, line by line
A payment platform collects $5M a month from 2,500 customers by ACH, holds it as USDC and pays 6,000 sellers: 4,000 by ACH, 1,500 by SEPA and 500 by Faster Payments. This is what its proposal bills, and what counts toward the minimum.
Setup fee
Once, at signing
Your setup fee
Typically credited against early minimums
Inbound transfers
2,500 ACH transfers
Your ACH inbound fee, per transfer
Counts
Conversion in
$5M into USDC
Your band rate for $5M a month, in basis points
Counts
Payouts
4,000 by ACH, 1,500 by SEPA, 500 by Faster Payments
Each rail’s payout fee, per transfer
Counts
Conversion out
The USDC paid out as USD, EUR and GBP
Your rate for each of those corridors
Counts
Network fees
The onchain leg of every transfer
Typically included
Nothing to add
USDC balance
Held between collection and payout
No custody or assets-under-management fee
Nothing to add
Named fiat accounts
One per seller given receiving details
Your per-account fee
Its own line
At the end of the month
Lines 2 to 5 count toward the minimum. If they come to more than the minimum, the platform pays lines 2 to 5; if they come to less, it pays the minimum, and the usage sits inside it. Line 8 is billed on its own line.
In a month where the platform moves $12M, lines 2, 4 and 8 grow with the counts, and the conversion lines move to the next band your proposal sets.
Before you sign, the proposal states
- Every rate: each rail’s transfer fee, and the conversion rate for each corridor
- Where each of your volume bands starts, and the conversion rate in each
- The monthly minimum, and how the setup fee is credited against it
- Any flow where network fees are not included
- The contract terms
Who runs each leg
In that $5M month, who holds the money and who runs each leg
Every regulated leg of the month runs on licensed partners. The accounts are provided through licensed partner institutions, and the USDC sits in a wallet on the platform’s own custody model.
USD receiving details and ACH collections
Accounts provided through licensed partner institutions, on licensed partner rails
Conversion between USD and USDC, and out to EUR and GBP
Licensed partner rails
Holding the USDC between collection and payout
The managed wallet created with the account, or a self-custody wallet on your keys where your setup needs one
Payouts by ACH and SEPA
Licensed partner rails
Payouts in GBP by Faster Payments
Independent, licensed third-party providers
Verifying customers and sellers before money moves
KYC and KYB, sanctions screening, AML and transaction monitoring, on licensed partner rails
The API, the records and the reconciliation data
Venly Finance, SOC 2 Type 2 certified
The group: Venly Finance Sp. z o.o. (Warsaw, Poland; KRS 0001026052), Venly Finance SAS de CV (San Salvador, El Salvador) and the parent company, Venly NV (Belgium).
At scale
What platforms moving tens of millions get
Conversion priced for your corridors
Your conversion rate is set for your corridors and your volume, and shown for each corridor on the proposal, next to the rate in each volume band.
No fee on what you hold
No custody or assets-under-management fee on balances, no wallet creation fee, no wallet-count tiers and no per-chain or per-stablecoin add-on, however large the book gets.
Reconciliation in the data
Incoming credits are attributed by referenceCode. Every payout reports its status, including RETURNED, and the fiat amount actually paid. Ramp requests record their fee breakdown and export to CSV or Excel.
Webhooks and safe retries
Events are pushed to your endpoint, and a ping tests the delivery path. Idempotency keys on each request prevent double payment when you retry.
Three payout rails from one balance
Pay out in USD by ACH, EUR by SEPA and GBP by Faster Payments, and give each customer their own EUR and USD receiving details.
Every fee on the record
Each ramp request records its fee amount, fee percentage and exchange rate, so every line of the bill traces back to the requests behind it.
Mock mode, sandbox, production
Build today in mock mode with no credentials, run the same code in the sandbox after the scoping call, then go live on separate production credentials.
A Venly contact for your integration
Your Venly contact issues your credentials and scopes, and confirms rate limits for the call volume you expect.
Before you ask for a proposal
What will it cost at my volume?
Your proposal sets it: the setup fee, the monthly minimum, each rail’s transfer fee and the conversion rate for your band and corridors, each on its own line. We do not publish a rate card, because rates are set per contract against your product, use case, volume and rails.
Do you give volume discounts?
Yes. The conversion rate steps down as your monthly volume grows. Your proposal sets where each band starts and the rate in each.
Who pays network fees?
Network fees are typically included in our fees. Where a flow is an exception, the proposal says so on its own line.
How is FX priced?
Conversion is priced for your flow: your corridors and your volume. The proposal shows the conversion rate for each corridor, line by line. We do not publish a spread.
Is there a monthly minimum?
Yes. It works as a usage credit: transfer and conversion fees count toward it, and if your usage is above the minimum you pay your actual usage. The minimum only applies in months where usage falls below it.
Why is there a setup fee?
Configuring the routes your flows need and onboarding your company with our licensed partner institutions happen before your first transaction settles. The setup fee is charged once and is typically credited against your first months of minimum commitment.
How long is the contract?
The term is set in your proposal, with the other commercial terms, before you commit to anything.
How soon do we get a proposal?
Within about a week of the scoping call. It is written, with every line item and the assumptions behind it, before any commitment.
We move less than $1M a month. Can we still work with you?
Talk to us about where your volume is heading. You can build and test your whole integration in mock mode today, with no credentials, and sandbox credentials follow a scoping call.
Do you charge for wallets or for the balances I hold?
No. There is no wallet creation fee, no wallet-count tier and no custody or assets-under-management fee on balances you hold, and no add-on per chain or per stablecoin. Named fiat account creation and maintenance are charged, as their own lines.
Can I check a fee before a conversion?
Yes. On Fundflow, the fee calculation returns the fee amount and percentage for an amount and direction before you create a ramp request, and every request then records its own fee breakdown.
Get a proposal for your volume
Send us the four things on the right, and the scoping call starts from your numbers.
Get a proposal
Read the documentation
What we need to quote you
Product
Accounts and receiving details on the Finance API, conversions on Fundflow, or payouts.
Use case
Settling merchants, paying sellers or contractors, running treasury or giving customers accounts.
Monthly volume
Value and transaction count, today and in a year. Transfer fees are flat per transfer, so the count matters.
Rails
ACH, SEPA or Faster Payments out, and USD or EUR receiving details in.
Tell us your flow
The contact form asks which flow you want to discuss.
A scoping call
Product, use case, currencies, volume and jurisdictions.
A written proposal
Every line and what counts toward the minimum, within about a week.
Who runs the regulated legs
Licensed partners run every regulated leg. Venly Finance is working on licences in Latvia, Canada and El Salvador, and is currently integrated with multiple regulated partners, which deliver the regulated services.
SOC 2 Type 2 certified. Our own licences are in flight and flows run on licensed partner rails today.