Fees & rates
Every fee, on one page.
Receiving, holding and lending are free. Sending costs the Solana network fee, which Luindy does not mark up. Borrowing has a small origination fee and a fixed APR. Escrow has one tiered fee that falls as deals grow. That is the whole list.
01 — Wallet
Hold and move.
| Receive USDC or USDT | Free |
|---|---|
| Send to another Luindy account | Free, instant |
| Send to any Solana address | Network fee only (~$0.0005) |
| Hold a balance | Free, no minimum |
| Account, statements, exports | Free |
02 — Lend
Fixed rates.
No fee to lend. The rate you lock is the rate you earn.
| Term | USDC | USDT |
|---|---|---|
| 30 days | 5.0% | 5.2% |
| 90 days | 5.5% | 5.7% |
| 180 days | 6.0% | 6.2% |
| 365 days | 6.5% | 6.7% |
| Open a fixed-term position | Free |
|---|---|
| Interest paid | At maturity, or monthly on 180 and 365-day terms |
| Early withdrawal | Allowed after 7 days. Accrued interest is forfeited for the term. |
03 — Borrow
Fixed APR.
Origination once, interest as agreed, repay free. The settlement fee only applies if a SOL loan reaches 85% loan-to-value.
Borrow SOL, post stablecoins
| Term | Collateral | Fixed APR | Max LTV |
|---|---|---|---|
| 30 days | USDC / USDT | 6.0% | 50% |
| 90 days | USDC / USDT | 6.0% | 50% |
| 180 days | USDC / USDT | 6.0% | 50% |
Borrow stablecoins against assets or your project
| Term | Borrow | Rate |
|---|---|---|
| 90 days | USDC / USDT | Fixed, set on review |
| 180 days | USDC / USDT | Fixed, set on review |
| 365 days | USDC / USDT | Fixed, set on review |
| Origination | 0.25% of the amount borrowed |
|---|---|
| Interest | SOL loans: fixed 6.0% APR, accrues daily. Asset-backed loans: fixed rate set on review, paid monthly |
| Repay early | Free, any time |
| Settlement | 5% of the collateral used, only if a SOL loan reaches 85% loan-to-value |
04 — Escrow
Tiered by size.
Each rate applies only to the part of the deal inside its band. The buyer, the seller, or both equally pay it, chosen when the deal is opened. How escrow works.
| Portion of the deal | Fee |
|---|---|
| On the first $50,000 | 1.5% |
| On the portion from $50,000 to $500,000 | 1.0% |
| On the portion above $500,000 | 0.5% |
Worked examples
| Deal | Fee | Effective |
|---|---|---|
| $10,000 | $150 | 1.5% |
| $100,000 | $1,250 | 1.25% |
| $1,000,000 | $7,750 | 0.775% |
| Minimum fee | 25 USDT |
|---|---|
| Minimum deal | 1,000 USDT or USDC |
| Who pays | Buyer, seller, or split 50/50, chosen when the deal is opened |
| Network fees | Covered by Luindy |
| Inspection, assay, vaulting, freight | Quoted at cost and agreed upfront, only if the deal needs them |
| Cancelled before funding | Free |
| Funded deal unwound | Buyer refunded less the escrow fee, unless the agreement says otherwise |
Not on the list
Things we don’t charge for.
- Opening or closing an account
- Monthly or annual account fees
- Minimum-balance fees
- Receiving any amount
- Sending between Luindy accounts
- Spread or mark-up on the network fee
- Statements, exports and tax reports
- Early loan repayment
- Adding collateral to a loan
- Network fees on escrow deals
- Escrow deals cancelled before funding
- Inactivity
Fee questions
Asked often.
Are there hidden fees?
No. Everything we charge is on the Fees page: the Solana network fee when you send externally, a 0.25% origination fee on loans, a 5% settlement fee if a SOL loan reaches 85% loan-to-value, and the tiered escrow fee on escrow deals. Receiving, holding and lending are free.
Are the rates on this site final?
They are illustrative launch targets. Live rates will be published in the app and may move with market conditions, but once you open a fixed-term position, your rate is locked for that term.
Get started
Open your stablecoin account.
It takes a few minutes. Free to hold, no minimum balance, and your wallet is ready as soon as you confirm a few details.