Legal
Pricing and Fees
Unramp Platform — operated by Unramp OOD
1. About this document
This Pricing and Fees document (this "Document") sets out the fees, charges and commercial terms applicable to the crypto-asset exchange services provided by Unramp OOD ("Unramp", "the Company", "we") through the Platform at https://unramp.com (the "Platform"). It is published in accordance with the transparency obligations applicable to Unramp under Article 66 (fair, clear and not-misleading information) and Article 77 (price quotes for the exchange of crypto-assets for funds) of Regulation (EU) 2023/1114 ("MiCA"), and forms an integral part of the Terms and Conditions (available at unramp.com/legal/terms). In the event of any conflict between this Document and the Terms and Conditions, the Terms and Conditions prevail.
This Document is reviewed at least annually, and additionally upon any material change to our pricing structure or to applicable law. All material changes are communicated to clients in advance, in accordance with the amendment procedure set out in the Terms and Conditions.
2. Service overview
Unramp provides one crypto-asset service: the exchange of crypto-assets for funds within the meaning of Article 3(1)(16)(c) of MiCA. This means the purchase of crypto-assets by clients in exchange for fiat funds, executed by Unramp from its own inventory and liquidity.
Unramp acts as principal (counterparty) to each transaction. We are not an exchange or a trading platform, and we do not match or transmit client orders. We do not provide custody of crypto-assets or fiat funds; we do not provide portfolio management, investment advice, transfer services, or any other crypto-asset service.
3. Fee structure
Every fee, charge or amount payable in respect of a transaction is disclosed to you in the transaction summary on the Platform before you confirm the transaction. The figures shown in the transaction summary apply to that transaction; no fee is charged without prior disclosure.
Our fees consist of the following components:
• Commission. An amount or percentage charged by Unramp on each exchange transaction, deducted automatically at the time of execution. The commission is itemised in the transaction summary.
• Spread. The difference between the reference market rate at which Unramp prices the relevant crypto-asset and the rate at which we offer the crypto-asset to you. The spread is incorporated in the quoted exchange rate shown in the transaction summary.
• Network (blockchain) fee. A fee paid to the operators of the relevant distributed-ledger network to process and include your transaction on-chain. The network fee is set by the network itself, not by Unramp. Where the network fee is borne by you, it is shown separately in the transaction summary.
• Payment-processing fee. Where the payment method used for the transaction attracts a fee from the payment processor, that fee is disclosed separately in the transaction summary.
4. Fee schedule
The fee schedule below sets out the fee structure and the manner in which each fee is calculated. The specific numeric values applicable to a given transaction (commission rate, spread, payment-processing fee and network fee) are shown in the transaction summary on the Platform before you confirm the transaction; the transaction summary is the source of truth for the fees applicable to your specific transaction.
| Fee component | Amount | How it is applied |
|---|---|---|
| Commission | EUR 0.20 + 2% of the fiat amount (4% for non-EU transactions) | Charged by Unramp; deducted automatically at execution; disclosed in transaction summary. |
| Minimum commission | Not applicable | Applies where the commission percentage would otherwise yield a lower amount. |
| Spread | Variable — asset and market-condition dependent | Included in the quoted exchange rate; varies by crypto-asset and prevailing market conditions; disclosed in transaction summary. |
| Network (blockchain) fee | Variable — set by the relevant blockchain network | Set by the network protocol; not charged by Unramp; shown separately before confirmation; varies with network congestion. |
| Debit-card processing fee | Included in the commission | Charged by the card-payment processor; disclosed separately in transaction summary. |
| Credit-card processing fee | Included in the commission | Charged by the card-payment processor; disclosed separately in transaction summary. |
5. How we calculate the exchange rate
The exchange rate shown to you in the transaction summary is constructed in three steps:
• Step 1 — Reference price. We obtain a reference mid-market price for the relevant crypto-asset from CoinGecko, an aggregated cryptocurrency market-data provider. Where the transaction is in a fiat currency other than EUR, we additionally obtain a fiat-to-fiat reference rate from Open Exchange Rates.
• Step 2 — Spread. We apply our spread to the reference price. The spread compensates Unramp for the costs and risks of the service, including (without limitation) liquidity-provider fees, on-chain transaction fees absorbed within the spread, market risk on our own-account inventory between the moment of quotation and the moment of liquidity execution, settlement risk, payment-acquirer fees, and operational overhead.
• Step 3 — Commission. We add the applicable commission on top of the spread-adjusted rate. The commission is shown to you as a separate line item.
The transaction summary shows you the all-in price at which we offer the crypto-asset, together with each component of that price (reference price, spread in percentage and absolute terms, and commission). Where a network fee is borne by you separately, that amount is also shown.
6. Rate lock and tolerance
Crypto-asset prices move continuously. When you receive a quote on the Platform, the quoted rate is locked for a defined time window (the "Quote Validity Window"), during which you may confirm the transaction at the quoted rate.
If you do not confirm the transaction within the Quote Validity Window, the quote expires and you receive a new quote at the then-current rate before you can proceed. If the underlying market moves outside the tolerance band disclosed in the transaction summary between confirmation and execution, we may re-quote the transaction to you or cancel it; in either case, any funds you have already paid are refunded in full where the transaction is cancelled.
Because of market volatility, the final quantity of crypto-assets delivered to your wallet is determined based on the exchange rate at the time of actual execution, within the tolerance range disclosed at the point of confirmation.
7. Transaction limits
Transaction limits apply to all clients of the Platform. The limits are set for risk-management, customer-protection and AML/CFT reasons, and may be reviewed and updated by Unramp from time to time.
| Limit | Value | Notes |
|---|---|---|
| Minimum amount | EUR 5 | Per transaction |
| Maximum amount | EUR 10,000 | Per transaction |
| Daily limit | Risk-profile based | Applied per natural person, identified through the KYC and screening performed for the relevant transaction; varies with the client's risk profile |
| Monthly limit | Risk-profile based | Applied per natural person, identified through the KYC and screening performed for the relevant transaction; varies with the client's risk profile |
Higher transaction sizes may be available subject to enhanced due diligence. To request a higher limit, please contact us at [email protected].
Where transaction limits are changed materially, we will inform you in advance on the Platform.
8. Supported crypto-assets and networks
The Platform supports the exchange of more than 125 crypto-assets, delivered on 11 distributed-ledger networks. The complete current list of supported crypto-assets — including the specific networks on which each asset is available for delivery — is published on the Platform and may be updated by Unramp from time to time.
8.1 Supported networks
We deliver crypto-assets on the following networks:
| Code | Network | Description |
|---|---|---|
| ETH | Ethereum (mainnet) | Ethereum L1; supports ETH, ERC-20 tokens and stablecoins |
| ARB | Arbitrum | Ethereum layer-2 rollup |
| OPT | Optimism | Ethereum layer-2 rollup |
| POLY | Polygon | Ethereum-compatible chain |
| AVA | Avalanche | Avalanche C-chain |
| BASE | Base | Ethereum layer-2 rollup |
| ABS | Abstract | Layer-2 chain |
| BTC | Bitcoin | Bitcoin mainnet |
| SOL | Solana | Supports SOL and SPL tokens |
| TON | TON | Supports TON and Jetton tokens |
| TRX | Tron | Supports TRX and TRC-20 tokens, including USDT-TRC20 |
8.2 Supported crypto-asset categories
The supported crypto-assets span the principal categories of crypto-assets traded in the EU/EEA market, including (illustrative examples; for the complete and current list, see Section 8.3):
• Native blockchain assets such as BTC, ETH, SOL, AVAX, MATIC, TON, TRX.
• Fiat-referenced stablecoins such as USDC, USDT, DAI, FDUSD, PYUSD, EURC, TUSD. (For asset-referenced tokens and e-money tokens within the meaning of MiCA Titles III and IV, the corresponding crypto-asset white paper is hyperlinked from the Platform in accordance with MiCA Article 66(3).)
• Commodity-referenced tokens such as PAXG, XAUT.
• Decentralised-finance protocol tokens such as UNI, AAVE, COMP, MKR, CRV, CAKE, PENDLE.
• Liquid staking tokens such as STETH, CBETH, RETH, METH, EZETH, RSETH.
• Centralised-exchange tokens such as BNB, OKB, GT, BGB, LEO, MX.
• Infrastructure and oracle tokens such as LINK, GRT, RNDR, OCEAN, FET.
• Gaming and metaverse tokens such as AXS, SAND, MANA, GALA, APE, IMX.
• Other supported crypto-assets meeting Unramp's inclusion criteria, as further described in Section 8.4.
8.3 Complete current list
The supported networks and asset categories are published on the Supported assets page of the Platform. The complete current list of supported crypto-assets — identifying for each asset the supported delivery networks — is displayed in real time when you start a purchase at buy.unramp.com. That live checkout list is the source of truth for which assets are supported at any given time; the list is updated from time to time. The total number of supported assets is currently more than 125.
8.4 How we choose supported crypto-assets
The Asset Universe is determined by Unramp's Management Body on the recommendation of the Head of Trading and the Compliance Officer, with reference to the following criteria:
• Regulatory eligibility under MiCA — the asset is not excluded from MiCA's scope and is not subject to a regulatory or supervisory restriction. For asset-referenced tokens or e-money tokens within MiCA Titles III and IV, a published white paper exists in accordance with MiCA.
• Liquidity and price discovery quality — the asset is widely traded with reliable price discovery and adequate liquidity for the sizes Unramp expects to execute.
• Operational support — the asset is supported by Unramp's custody, liquidity-sourcing, blockchain-analytics and network infrastructure.
• Risk profile — sanctions, AML/CFT and market-abuse risk indicators are within Unramp's risk appetite.
• Strategic and commercial considerations consistent with Unramp's business model.
9. Supported fiat currencies and payment methods
9.1 Supported fiat currencies
Transactions on the Platform are denominated in fiat currencies. EUR is the principal supported currency. The Platform may from time to time support additional fiat currencies; the current list is EUR only — see the Help & FAQ for details.
Where you transact in a fiat currency other than EUR, the exchange rate construction described in Section 5 includes a fiat-to-fiat reference rate sourced from Open Exchange Rates.
9.2 Supported payment methods
The Platform currently supports the following payment methods:
• Debit card (Visa and Mastercard).
• Credit card (Visa and Mastercard).
Bank-transfer payments initiated from the client's bank account (PIS-initiated) are not currently supported. The current set of supported payment methods is published on the Platform.
Availability of payment methods may vary based on your country of residence and on the policies of the relevant payment processor. Where a payment method is unavailable to you, the Platform will indicate the available alternatives at checkout. Current methods are also summarised in the Help & FAQ.
10. No hidden fees; free interactions
Unramp is committed to full fee transparency. All costs applicable to a transaction are disclosed in the transaction summary before you confirm the transaction. We do not charge any fee that has not been disclosed in advance.
You are not charged for any of the following:
• accessing or browsing the Platform;
• requesting a price quote;
• starting a transaction without confirming it;
• abandoning a transaction before confirmation;
• receiving a refund where a transaction cannot be executed by us (see Section 11);
• submitting a complaint or participating in the complaints-handling process;
• exercising any of your rights under applicable law, including under the General Data Protection Regulation and the Bulgarian Consumer Protection Act.
11. Refunds and failed transactions
Where a transaction cannot be executed by reason of a fault of the Platform or Unramp, a customer-side payment failure, a fraud-prevention rejection, or an AML/CFT control whose internal review closes the case without further action, the funds you have paid are refunded to the original payment instrument within seven (7) business days. The detailed rules — including the specific situations in which refunds to the original payment instrument cannot be made (in particular, situations involving sanctions, asset-freezes, suspicious-activity reports filed or required to be considered, or directions of competent authorities) — are set out in the Terms and Conditions (Section VIII).
No additional Unramp fee is charged for the issuance of a refund under this Section. Network fees already paid to the relevant blockchain network for a confirmed on-chain transaction cannot be refunded, because such fees are not charged by, or retained by, Unramp.
Where a transaction fails because of an error on the client's side (for example, an incorrect or incompatible wallet address that nevertheless passed the Platform's format and checksum validation), Unramp's liability is limited as set out in the Terms and Conditions and the Risk Warning.
12. Changes to fees
Unramp reviews its fee structure at least annually and may update its fees from time to time. Material changes to the fee structure are notified to clients in advance, in accordance with the amendment procedure in the Terms and Conditions (which provides a minimum notice period of fourteen (14) days and a right to terminate the framework relationship before the change takes effect).
The fees disclosed in the transaction summary at the time you confirm a transaction are the fees that apply to that transaction. Subsequent changes to the fee structure do not affect transactions already confirmed.
13. Related documents
This Pricing and Fees document forms part of a wider set of documents governing the use of the Platform. The most relevant related documents are:
• Terms and Conditions (available at unramp.com/legal/terms) — the master set of contractual terms governing your use of the Platform.
• Privacy and Cookie Policy (available at unramp.com/legal/privacy) — how we process your personal data.
• Risk Warning (available at unramp.com/compliance/risk-warning, and as Annex 1 to the Terms and Conditions) — the principal risks of using the Platform and of crypto-asset transactions generally.
• Conflict of Interest Policy (available at unramp.com/legal/conflict-of-interest) — how we identify, prevent and manage conflicts of interest.
• Complaints Handling Procedure (available at unramp.com/support/complaints) — how to submit a complaint and the time-limits for our response.
• Help & Support (available at unramp.com/support/contact) — customer-support channels and general assistance.
• Frequently Asked Questions (available at unramp.com/support/faq) — including supported crypto-assets and networks (Supported assets), supported fiat currencies, and supported payment methods.
14. Contact
For any question about pricing, fees or commercial terms, please contact us:
Email: [email protected]
Website: unramp.com
Postal address: Unramp OOD, 22 San Stefano Street, San Stefano Plaza, entrance B, 5th floor, office 16, Sofia 1504, Bulgaria.
For questions about the data we process about you, see Section 2 of the Privacy and Cookie Policy (available at unramp.com/legal/privacy). For complaints, see Section XVI of the Terms and Conditions or the Complaints Handling Procedure (available at unramp.com/support/complaints).
Unramp OOD | UIC 207160415 | 22 San Stefano Street, Sofia 1504, Bulgaria | unramp.com — Compliance / Finance · reviewed at least annually.