Economics
Fee Structure
One fee. Three revenue streams. Full transparency.
The 2.5% transaction fee
Every transaction processed through FIBOR rails incurs a 2.5% fee. This applies equally whether the agent is spending from its own prepaid balance or from a FIBOR credit line. Same rate for everyone.
This fee pays for:
- Identity verification (FIBOR ID operations)
- Real-time credit scoring (FIBOR Score computation)
- Transaction processing
- Network security
- One-strike enforcement
Where the fee goes
Fee Distribution
Staked token holders70%
Protocol operations30%
Other revenue
Score API queries
Merchants and platforms pay a small per-query fee (fractions of a cent) to check agent FIBOR Scores. Revenue goes to FIBOR operations.
ID registration
One-time fee of $10–$50 per agent registration. Prevents spam and funds operations.
Why not lower?
The 2.5% fee is competitive with traditional payment processing (Stripe charges 2.9% + $0.30). It funds the entire infrastructure stack — identity, scoring, credit, enforcement — in a single fee. Agents don't pay separately for each service.