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MilPay Fee Structure

MilPay implements a transparent and competitive fee structure designed to maximize value for our users while ensuring platform sustainability. Our fee system integrates seamlessly with our tokenomics model, where all collected fees contribute directly to platform development and user rewards through our innovative profit-sharing mechanism.

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Transaction Fee Framework

Card Top-up Processing

MilPay maintains a zero-fee policy for all card top-up transactions, regardless of the asset used. Users can fund their accounts using USDT, $MPC, or SOL without incurring any additional charges. This policy encourages regular platform usage while maximizing the value retention of user deposits.

Local Transaction Processing

For transactions conducted within Hong Kong, a competitive 0.5% fee applies. This rate covers operational costs while maintaining accessibility for everyday transactions. The fee is automatically calculated and deducted at the time of transaction, with full transparency in the transaction details.

International Transactions

International purchases incur a base rate of 3.5%, which encompasses currency conversion costs and cross-border processing fees. This rate is subject to tier-based reductions for users maintaining higher $MPC token holdings, enabling more cost-effective global transactions.

Annual Maintenance

MilPay distinguishes itself by eliminating annual maintenance fees entirely. Users can maintain their accounts and cards indefinitely without recurring charges, providing long-term value and encouraging sustained platform engagement.

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Card Application Process

The card application process varies based on your $MPC token holdings:Token-Based Qualification Users maintaining a minimum balance of 500worthof500 worth of MPC tokens qualify for complimentary card issuance. This threshold is monitored in real-time through our smart contract system.Standard Application Path For users holding less than 500in500 in MPC tokens, a standard application fee applies. The exact fee structure will be announced following our final regulatory compliance review.
Our streamlined application process includes:Verification System Automated holding verification through blockchain integrationKYC Integration Seamless identity verification processStatus Tracking Real-time application status monitoring through the dashboard

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Tier-Based Fee Optimization

Users in this tier enjoy significant fee reductions:International Transaction Rate: 3.0% A 0.5% reduction from the standard rate, automatically applied to all qualifying accounts. This tier introduces our professional-grade fee structure, designed for users who frequently engage in international transactions.Implementation Details The reduced rate is automatically applied based on real-time token holding verification. Our smart contract system continuously monitors holding levels to ensure accurate fee application.
Elite tier members access enhanced fee structures:International Transaction Rate: 2.5% A full 1% reduction from standard rates, representing significant savings for high-volume users. This tier is optimized for professional and institutional users requiring frequent international transactions.Additional Benefits Premium support services and priority transaction processing complement the reduced fee structure, creating a comprehensive service package.
Our highest tier offers exceptional fee optimization:International Transaction Rate: 2.0% or lower The most competitive rate in our structure, with potential for further reductions based on volume and usage patterns. This tier represents our commitment to supporting major platform participants.Customization Options Possibility for tailored fee structures based on specific usage patterns and requirements, subject to individual assessment.

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Fee Distribution Mechanism

1

Revenue Aggregation

All platform fees are systematically collected through our smart contract infrastructure. This includes transaction fees, conversion spreads, and any applicable service charges. The collection process maintains complete transparency through blockchain verification.
2

Weekly Processing Cycle

Every seven days, the accumulated fees undergo automated processing for distribution. This process involves converting various fee currencies into appropriate assets for the Raydium farming pools, ensuring efficient reward distribution.
3

Reward Distribution

The processed fees are injected into Raydium’s farming pools according to our tokenomics model. This distribution provides rewards to $MPC holders and liquidity providers, creating a sustainable ecosystem that benefits all participants.

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Transaction Examples

Consider a standard local purchase in Hong Kong:
Transaction Amount: 1,000 HKD
Applied Fee Rate: 0.5%
Fee Calculation: 1,000 × 0.005 = 5 HKD
Final Charge: 1,005 HKD
The system automatically calculates and displays these components during transaction processing, ensuring complete transparency.
For standard international purchases:
Base Amount: 1,000 USD
Standard Fee Rate: 3.5%
Fee Amount: 1,000 × 0.035 = 35 USD
Total Charge: 1,035 USD
The final amount is converted to HKD using real-time exchange rates, with all calculations visible in the transaction details.
Demonstrating Tier 5 benefits:
Base Amount: 1,000 USD
Elite Tier Rate: 2.5%
Fee Amount: 1,000 × 0.025 = 25 USD
Total Charge: 1,025 USD
This example illustrates the significant savings available through our tier system.

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Support Services

Fee Inquiries

Our dedicated support team provides comprehensive assistance with fee-related queries. Contact [email protected] for detailed fee structure explanations, transaction analysis, or specific fee calculations.

Dispute Resolution

We maintain a structured dispute resolution process with a 48-72 hour response window. Our team thoroughly investigates each case, providing detailed documentation and clear resolution paths for any fee-related concerns.

Business Solutions

Corporate clients can access customized fee structures based on transaction volume and usage patterns. Contact our business development team for tailored solutions and enterprise-grade support.

Documentation Access

Access comprehensive fee documentation, including detailed breakdowns, calculation methods, and example scenarios through our documentation portal at docs.milpay.finance.
Important Considerations Our fee structure undergoes periodic reviews to maintain competitiveness and regulatory compliance. Any changes are announced through official channels with adequate notice periods. Users are encouraged to maintain awareness of their tier status to optimize transaction costs.
For real-time fee calculations and tier status monitoring, utilize our platform dashboard. Stay informed about promotional periods and special rate offerings by following our official communication channels.