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Usage-Based Auto-Tiering

Unwall uses usage-based pricing with automatic tier progression. There are no subscriptions and no credit card required. Your tier is determined by your monthly outbound payment volume, and it updates automatically as your volume grows.
StarterGrowthScale
Monthly Volume0−0 - 2,5002,500−2,500 - 10,000$10,000+
Transaction Fee2%1.5%1%
Projects310Unlimited
All tiers include access to every payment rail: x402 protocol, on-chain USDC transfers, and fiat ACH payments.

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How Volume Is Calculated

Monthly volume is the sum of all outbound payments processed through your projects during the current calendar month. This includes:
  • Agent-initiated payments (via API tokens)
  • USDC transfers
  • x402 protocol payments
Inbound deposits (USDC deposits, fiat funding) do not count toward your volume. Volume resets to $0 at the start of each calendar month (UTC).

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How Fees Work

The platform fee is calculated as a percentage of the payment amount in micro-USDC (1 USDC = 1,000,000 micro-USDC). 
Fee = ceil(amount x fee_rate)
  • Minimum fee: 1 micro-USDC per transaction.
  • The fee is charged as a separate PLATFORM_FEE transaction in your project’s ledger, recorded alongside the payment itself.
  • The fee is added on top of the payment amount — the recipient receives the full requested amount.

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Example

On the Growth tier (1.5% fee), sending 100,000 micro-USDC (0.10 USDC): 
Fee = ceil(100,000 x 0.015) = ceil(1,500) = 1,500 micro-USDC
Total deducted from wallet = 100,000 + 1,500 = 101,500 micro-USDC
Recipient receives = 100,000 micro-USDC
Bridge.xyz charges a separate 1% processing fee on fiat off-ramp transfers. This is independent of the Unwall platform fee.

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Mid-Month Tier Transitions

Your tier updates in real time as your monthly volume crosses thresholds:
  • When your volume exceeds $2,500, your fee rate automatically drops from 2% to 1.5% and your project limit increases to 10.
  • When your volume exceeds $10,000, your fee rate drops to 1% and your project limit becomes unlimited.
The new fee rate applies to all transactions after the threshold is crossed. Previously processed transactions in that month retain their original fee.

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Volume Drops

If your volume is lower in a subsequent month:
  • Your tier resets based on the new month’s volume (starting at Starter).
  • Existing projects stay active. You will not lose access to any project or its balance.
  • New project creation is blocked if the number of your existing projects exceeds the limit for your current tier. For example, if you had 8 projects during a Growth month and drop back to Starter (3 projects), you cannot create new projects until you are at or below the limit.

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Viewing Your Tier

You can see your current tier, monthly volume, and progress toward the next tier in the Settings page of the Unwall dashboard.