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# Purchase Fees

## 💰 Fees and Transaction Limits

Fees for purchases, sales, and DeFi swaps vary based on the transaction type and the network/liquidity conditions at the time. Below are the details for each scenario.

---

### 💳 Purchase and Sale Fees

#### **DePix Purchase Fees**

| Scenario | Fee Structure |
| ---- |
| **Standard Fee** | 3% fee + **fixed provider fee of R$ 0.99**. |
| **With Affiliate Code** | Reduced fee of **2.8%** + **fixed provider fee of R$ 0.99**. |
| **Merchant Mode** | See details below. |

#### **Direct Bitcoin Purchase and Sale**

* **Fees**: The fee to buy and sell Bitcoin is **1%**. With an affiliate code, the fee is reduced to **0.8%**.
* **Provider Fee**: In addition to our fee, a **variable fee** is charged directly by our provider on all Bitcoin purchases and sales.
* **Network Fee**: You must also consider the **Bitcoin network fee** required to send your BTC.

---

### 🏛️ Limits

#### **DePix Purchase Limits (BRL) and Merchant Mode**

To ensure security and compliance, DePix purchases have the following standard limits:

| Limit Type | Details |
| ---- |
| **First 24h (New User)** | Maximum purchase of **R$ 100 BRL** in the first 24 hours for a new CPF/CNPJ. |
| **Daily Limit** | You can purchase up to **R$ 6,000 BRL** every 24 hours for a each CPF/CNPJ, The transaction must be split into two installments of R$ 3,000.00, with a 30-minute interval between them.. |
| **Purchase Interval** | There must be a minimum interval of **30 minutes** after the second purchase. |

#### **👑 Merchant Mode**

Merchant Mode is a benefit for high-volume users, automatically activated when your account's purchase history exceeds the equivalent of **$3,500 USD**.

* **Reduced Fee**: In Merchant Mode, the purchase fee is **reduced to 1%** (or **0.8%** with an affiliate code).
* **Receiving Limit**: The receiving limit is expanded, allowing transactions of up to **R$ 6,000 per CPF per day** for new CPF/CNPJ
* **Important Notice**: Merchant Mode will be **locked** if your account receives a return request via MED (Special Refund Mechanism) or any bank chargeback. If this occurs, you will need to go through the limit validation process again.

#### **Direct Bitcoin Limits (BRL)**

| User Type | Limit | KYC Requirement |
| ---- |
| **CPF (Individual)** | Up to **R$10,000** per CPF per day. | If this limit is exceeded, you will be asked to complete KYC with the provider; otherwise, your balance will be returned within 24 hours. |
| **CNPJ (Business)** | Up to **R$10,000** per month (purchase only). | If this limit is exceeded, you will be asked to complete KYC with the provider; otherwise, your balance will be returned within 24 hours. |

---

### 🔄 DeFi and Lightning Swap Fees

DeFi and Lightning swap fees depend on the public order book and liquidity provider conditions, making them variable.

| Swap Type | Fee Structure | Minimum Amount |
| ---- |
| **Between Tokens** | Market maker spread + 0.2% SideSwap fee + 80 sats fixed fee. | N/A |
| **BTC to L-BTC (Liquid Bitcoin)** | 0.1% | **0.0001 BTC** |
| **L-BTC to BTC** | 0.1% + BTC network fee. | **0.00025 BTC** |
| **Send via Lightning** | 0.1% + ~20 sats network fee. | 100 SATS |
| **Receive via Lightning** | 0.25% + ~50 sats network fee. | 100 SATS |

#### **External Swaps via SideShift (Smart Contracts)**

You can also swap non-native assets directly from the wallet. This service is provided by **SideShift** and is executed via smart contracts.

* **Dynamic Fees:** The fees for these swaps are dynamic and set by the provider. You must initiate the transaction to see the real-time estimated fee.
* **How it Works:**
    1.  Simply click on **"Send"** or **"Receive"**.
    2.  Choose a non-native asset (e.g., ETH, BNB, SOLANA) or a stablecoin on those networks (like USDT or USDC).
    3.  The fee applied by the smart contract provider will be displayed on the screen for your review before you confirm.

---

### 🔍 How to Check Fees

1.  Enter the amount you wish to swap or purchase on the transaction screen.
2.  Click on **"Transaction Fees"** to see an estimated fee breakdown.

If you have any questions about fees or transaction processes, please contact our support team for assistance.