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🏦 Fees

Transparent and fair fee structure designed to benefit all participants.

Fee Structure Overview​

Levvy implements a balanced fee model that ensures fairness between lenders and borrowers while supporting platform sustainability and rewarding $ANGELS holders.

Token Lending Fees​

For Borrowers

12.5%

of interest rate

Charged when accepting loan

For Lenders

12.5%

of interest rate

Charged when claiming returns or foreclosing

Total Platform Fee

25%

of interest rate

Split evenly between parties

Example Calculation​

Token Loan Example
  • Loan Amount: 1,000 ADA
  • Interest Rate: 10% (100 ADA)
  • Borrower Fee: 12.5% of 100 ADA = 12.5 ADA
  • Lender Fee: 12.5% of 100 ADA = 12.5 ADA
  • Total Platform Fee: 25 ADA

NFT Lending Fees​

🎉 Reduced NFT Fees!

We've lowered NFT lending fees from 1.5% to just 1% of the total loan amount

NFT Fee Details​

  • Rate: 1% of total loan value
  • Split: Balanced between lenders and borrowers
  • Timing: Applied at transaction execution

Additional Fees​

MinUTXO Fees​

Cardano Network Requirement

Both lenders and borrowers are subject to MinUTXO fees (approximately 1-2 ADA) as required by the Cardano protocol.

Fee Distribution​

📊 Where Do Fees Go?

25%

Development

75%

$ANGELS Holders

Detailed Breakdown​

🛠️ Development (25%)

  • Platform maintenance
  • New feature development
  • Security audits
  • Infrastructure costs

💎 $ANGELS Holders (75%)

Further split 80/20:

  • 80% → Monthly distributions (60% of total)
  • 20% → Treasury reinvestment (15% of total)

Monthly Distribution Schedule​

📅 Distribution Timeline

1st - 14th

Fees collected throughout the month

→
15th

Distribution to $ANGELS holders

→
16th - 31st

New collection period begins

Fee Comparison​

PlatformToken FeesNFT FeesFee Model
Levvy25% of interest1% of loanSplit evenly
Typical Platform A30-40% of interest2-3% of loanBorrower pays all
Typical Platform B20-30% of interest1.5-2.5% of loanLender pays most

Why Our Fee Model Works​

⚖️ Fair Distribution

Both parties share the cost equally, creating balanced incentives

💰 Holder Rewards

75% of fees go directly to rewarding $ANGELS holders

🚀 Sustainable Growth

25% ensures continuous platform improvement and security

🎯 Competitive Rates

Lower than most competitors while maintaining quality

Fee Optimization

To minimize your effective fee rate:

  • For Borrowers: Borrow larger amounts for longer periods
  • For Lenders: Provide liquidity for stable, high-volume assets
  • For Everyone: Hold $ANGELS to receive fee distributions
Next: Platform Statistics

View real-time platform statistics and performance metrics.