Indicative pricing
Transparent pricing for cross-border EUR stablecoin cash-out
Lower fees than SWIFT and traditional remittance services. No hidden charges. Competitive FX rates with full disclosure.
How pricing works
Moneetra pricing is composed of three transparent components: platform fee, FX conversion margin, and local cash-out partner fee. All fees are disclosed upfront before you confirm the transaction.
Platform fee
0.5%Covers transaction processing, compliance monitoring (AML/KYC, sanctions screening), and secure EUR stablecoin transfer.
FX conversion margin
0.8–1.2%Applied when converting EUR stablecoins to local currency (KES, NGN, etc.). Based on mid-market rate.
Local partner fee
€1.50–€3.00Fee charged by MSBs, mobile money agents, or FX partners for cash disbursement and local KYC verification.
Remittance pricing
For families and individuals sending EUR stablecoins to recipients in Asia and Africa for local cash withdrawal.
Phase 1 (Building)
| Corridor | Platform fee | FX margin | Partner fee | Total cost |
|---|---|---|---|---|
| Europe → Kenya (KES) | 0.5% | 0.8% | €1.50 | ~2.3% |
| Europe → Nigeria (NGN) | 0.5% | 0.9% | €1.50 | ~2.4% |
Phase 2 (Planned)
| Corridor | Platform fee | FX margin | Partner fee | Total cost |
|---|---|---|---|---|
| Europe → Ghana (GHS) | 0.5% | 1.0% | €2.00 | ~2.5% |
| Europe → Uganda (UGX) | 0.5% | 1.0% | €2.00 | ~2.5% |
| Europe → Tanzania (TZS) | 0.5% | 1.0% | €2.00 | ~2.5% |
Business & SME pricing
For businesses, freelancers, and SMEs needing cross-border payroll, supplier payments, or settlements.
< €10,000/month
Standard rates apply
€10,000 – €50,000/month
0.4% platform fee
How Moneetra compares
Indicative cost comparison for sending €500 to Kenya (KES cash-out)
| Provider | Platform fee | FX margin | Total cost | Recipient receives |
|---|---|---|---|---|
| Moneetra | €2.50 | €4.00 | €6.50 (~1.3%) | ~68,000 KES |
| Western Union | €8.00 | €12.00 | €20.00 (~4.0%) | ~65,400 KES |
| Wise | €3.50 | €6.00 | €9.50 (~1.9%) | ~67,200 KES |
| Bank SWIFT | €15.00 | €18.00 | €33.00 (~6.6%) | ~63,500 KES |
FX rate transparency
All FX conversions use the prevailing mid-market rate at the time of transaction, plus a clearly disclosed conversion margin. The exact FX rate and total cost (including all fees) are shown before you confirm your transfer.
Pricing FAQs
Are there any hidden fees?
No. All fees (platform fee, FX margin, local partner fee) are disclosed upfront before you confirm the transaction. The exact amount your recipient will receive is shown before you send.
How is the FX rate determined?
We use the prevailing mid-market FX rate at the time of transaction (sourced from independent rate providers). A conversion margin of 0.8–1.2% is added, which is disclosed before you confirm.
Can businesses get volume discounts?
Yes. Businesses and SMEs with monthly volumes above €10,000 qualify for reduced platform fees. Contact us for custom pricing for volumes above €50,000/month.
Why is Moneetra cheaper than SWIFT?
Traditional SWIFT transfers involve multiple intermediary banks, each adding fees and FX markups. Moneetra uses direct EUR stablecoin transfer to local cash-out partners, eliminating intermediaries and reducing cost.
When will these rates be available?
Moneetra is preparing for launch. The pricing shown here is indicative and subject to change. Join the waitlist to be notified when the service goes live with finalized pricing.
Get notified when we launch
Join the waitlist to be among the first to access Moneetra's transparent, compliant cross-border EUR stablecoin infrastructure.