Fees & ledger

Automatic deposits (≥90% confidence)

• Check processing: 1.5% with a $3 minimum
• Crypto conversion: 0.5%
• Network fee: typically ~$0.02 equivalent
• Marketing shorthand: ~2% total on larger checks
• Below ~$200 the $3 floor makes the effective rate higher than 2%

Human review (below 90% confidence)

• Flat $7.50 fee, quoted and paid in SOL at the live spot price
• Not a percent of the check amount
• Automatic ~2% fees are not stacked while that review request is open

Example

On a $1,000 automatic deposit: $15.00 processing + $5.00 conversion + ~$0.02 network ⇒ ~$20.02 total. Customer receives approximately $979.98 equivalent after clearance.

Ledger vs chain

Paycheck maintains a double-entry ledger independent of Solana. Example after settlement: Dr Cash / Cr Checks Receivable; fee recognition; then Dr Customer Payable / Cr Crypto Treasury on payout.