Fees & Platform Payments

Service	Status	Fee Basis	Currency	Notes
Know-Your-Business (KYB) procedure	Charged	Fixed amount	USDC or $8LENDS	Proof-of-Reputation cashback if paid in USDC only (see Proof of Reputation)
Due Diligence (DD) procedure	Charged	Fixed amount	USDC or $8LENDS	Proof-of-Reputation cashback if paid in USDC only (see Proof of Reputation)
User deposit into the platform	Not charged	–	–	–
Platform fee on loan amount raised by a Project	Charged	% of raised amount	USDC	3%–7 % (TBD)
Refund of User deposit when a stage fails	Not charged	–	–	–
Fee on Project principal repayment	Not charged	–	–	–
Fee on Project interest repayment	Not charged	–	–	–
Fee on penalties (late-payment fines)	Charged	% of penalty amount	USDC or $8LENDS	No discount or cashback when paid in $8LENDS
Fee on collateral liquidation proceeds in default	Charged	% of proceeds	USDC	–
Withdrawal fee when Users move funds off-platform into fiat/stablecoins	Not charged	% of withdrawal + floor	USDC	USDC floor + % of transaction
Claiming native $8LENDS from rewards	Not charged	% of claim + floor	$8LENDS	8lends floor + % of transaction
Comission on Priority upgrade fees	Charged	% of upgrade fees	$8LENDS	Applies when Low-priority holders are paid from High upgrade pool
P2P CT-token sale fee	Charged	% of transaction	USDC	Charged on every secondary-market CT-token transfer
Fiat ↔ Crypto on-ramp conversion fee	Charged	% of transaction	USDC	Covers fx costs when Users fund in one currency but Projects need money in different currency