> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tythe.finance/llms.txt
> Use this file to discover all available pages before exploring further.

# Fee Model

> What Tythe charges, what it does not, and why.

Tythe's fees follow one principle: it charges for what it builds, and passes through the cost of what it routes, without a markup. It takes nothing on the yield your chosen venues produce, adds no hidden spread, and charges no fee on principal. This page sets out every fee, by capability.

<Note>
  Where a fee is set as a percentage, the exact figure is finalised at launch and shown to you before you commit to any transaction. This page describes the structure. Live numbers are always disclosed in-product and in the linked terms.
</Note>

### The principle

<CardGroup cols={2}>
  <Card title="Charge for what Tythe builds" icon="wrench">
    Tythe earns on its own work: the credit it underwrites and stands behind with its own capital, the underwriting and delegation of agents, and the account that enforces it all.
  </Card>

  <Card title="Pass through what it routes" icon="server">
    Facilitators, venues, gas, verification providers, and fiat rails are passed through at cost. Tythe adds nothing.
  </Card>

  <Card title="Nothing on routed yield" icon="ban">
    Tythe takes no cut of the yield produced by the venues you or your agent choose. Those returns are yours in full.
  </Card>

  <Card title="No hidden spread, no fee on principal" icon="eye">
    No spread on transfers beyond the stated fee. No fee on the principal you deposit, borrow, lend, or move.
  </Card>
</CardGroup>

Verification, underwriting, and the continuous training of Tythe's models are Tythe's costs. They are never passed on to you.

### Treasury and Delegate

The account, the mandate layer, and agent underwriting are Tythe's core product, and the fee for them is a single account fee.

| Fee                                   | What it is                                                                                                                                                         |
| ------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Account fee                           | A competitive fee tiered by the number of agents under live mandate. Covers the account, mandate enforcement, agent underwriting, escalations, and the console     |
| Per-transaction fees on agent actions | None. Tythe never charges per action, so its economics never compete with the rails your agents use                                                                |
| Gas                                   | Sponsored by Tythe's paymaster within a per-account allowance, metered into the account fee. Beyond the allowance, your account pays its own gas from idle balance |

### Payments

| Fee                                            | What it is             |
| ---------------------------------------------- | ---------------------- |
| Tythe fee on direct transfers or x402 payments | None                   |
| Facilitator and rail costs                     | Passed through at cost |

### Borrow

The cost of a Loan is its interest and a capped late fee if a payment is missed. Nothing else.

| Fee                                  | What it is                                                                                                  |
| ------------------------------------ | ----------------------------------------------------------------------------------------------------------- |
| Interest (APR)                       | The cost of the Loan, fixed at origination for its life, set from your Rating band and the tenor you choose |
| Late fee                             | A capped fee on a missed payment, with no compounding and no penalty rate                                   |
| Origination, application, prepayment | None. There is no fee to be assessed, to draw, or to repay early                                            |

Borrowing costs are transparent by design: a fixed APR agreed up front, and no junk fees around it.

### Lend

| Fee                    | What it is                                                                         |
| ---------------------- | ---------------------------------------------------------------------------------- |
| Performance fee        | Charged on the credit yield you earn, above a hurdle. Tythe earns only when you do |
| Management fee         | None                                                                               |
| Deposit and withdrawal | None                                                                               |

### Save

Tythe does not manage your Save allocation. You or your agent direct it, so there is no management fee.

| Fee                    | What it is                                                          |
| ---------------------- | ------------------------------------------------------------------- |
| Management fee         | None                                                                |
| Venue yield            | Yours in full. Venue-side costs, if any, are passed through at cost |
| Deposit and withdrawal | None                                                                |

### Intelligence

Venue intelligence, indices, and the dashboard are free to account holders. External licensing of the Intelligence Layer is on the [roadmap](/get-started/resources/roadmap).

### What the structure means

Tythe's revenue scales with credit it originates and stands behind, and with the agents it underwrites and enforces. It does not scale with how many transactions your agents make or how much yield your venues produce. That alignment is deliberate: Tythe is paid for underwriting well and enforcing well, not for volume.

<Warning>
  Read the full [Risk disclosure](/get-started/resources/risk-disclosure). Fees are the cost of using Tythe; they are not a measure of its risk.
</Warning>