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Orafi uses a simple 1% platform fee that is enforced at the smart-contract level. Fees are deducted automatically before settlement --- no manual calculations required.

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Fee overview

All fees are computed using basis-point integer arithmetic for precision. Fee transfers happen atomically within the same on-chain transaction as the payment or payout.

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Payment fees

When a customer pays, Orafi automatically:
  1. Validates the incoming amount.
  2. Calculates the 1% platform fee.
  3. Transfers the fee to the Orafi platform wallet.
  4. Settles the remaining 99% to the merchant.
Example:

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Payout fees

When a merchant withdraws funds, the same 1% fee applies:
  1. The platform validates available balance.
  2. Calculates and deducts the 1% fee.
  3. Transfers the remaining amount to the destination wallet.
Example:

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Refund fees

Refunds are free. The full refunded amount is returned to the customer with no platform fee deducted. This ensures fair reimbursement and avoids double-charging.

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Key details

  • Only USDC is currently supported as a settlement token.
  • Fee changes require a protocol-level update and will be announced publicly before taking effect.
  • All fee logic is transparent and deterministic --- you can verify it on-chain.