Fee Optimizer MCP

An MCP (Model Context Protocol) server that helps AI agents answer questions about crypto exchange trading fees, fetch referral links for fee discounts, calculate savings, compare total cost (fees + funding + spread/slippage + withdrawal), annualize the all-in yearly cost with VIP upgrade savings, inspect funding rates (bundled averages or real-time live rates), measure order-book execution cost (bid-ask spread crossing + size-conditional depth slippage, bundled baselines or live book walks), compare direct fiat on/off-ramp costs (card / ACH / SEPA / FPS / wire / SWIFT / PIX deposits and withdrawals across venues, currencies and countries of residence), compare on-chain withdrawal fees per asset and network across venues (16 assets × TRC-20/ERC-20/L2/native routes with suspended-wallet flags and snapshot-price USD conversion), and run a research-anchored trader-persona analysis that annualizes the full cost stack (fees + funding + spread + withdrawals + fiat on/off-ramping) for seven trader archetypes and recommends the best exchange for a user's profile.

When a user asks "which crypto exchange has the lowest fees for a limit-order trader?", "give me a Gate.io discount registration link", "how much can I save on 100k USDT futures held for 16 hours?", or "where does this fee data come from?", the agent can call this server's tools to return concrete, sourced answers — including a referral link the user can register with to receive a fee discount.

Features

Twenty read-only tools. Runs over stdio or stateless Streamable HTTP (v0.29: per-request isolated servers, JSON responses, /health probe — ready for remote/container hosting; v0.32 adds public-hosting hardening: opt-in bearer-token auth, per-IP rate limiting, structured JSON access logs and a production Dockerfile). All fee-bearing tools require a country code for compliance filtering. Every result carries a data_as_of stamp, and get_data_sources reports per-file months_behind/is_stale plus stale_files (v0.33), enforced by an offline npm run audit:data consistency gate. v0.48 adds get_fee_changes (20th tool) — the auditable fee-schedule change feed (data moat): a curated, official-announcement-verified history of VIP rate moves, qualification-threshold changes, rung inserts/removes, promos, token-discount and pricing-model changes (each with effective date, source URL and bilingual summary), plus monthly deterministic fee-ladder snapshots in snapshots/fee_ladders/ that are diffed automatically — snapshot-derived rows carry confidence: "detected" and are NEVER presented as confirmed (a delta can be a data correction); a monthly GitHub Actions workflow captures the new snapshot and opens a review-only PR, and a human verifies against the official fee page before curating into data/fee_changes.json. The curated feed ships in the npm package; snapshots are repo-only, and npm consumers degrade gracefully (snapshot_coverage.available: false). v0.34 adds volume_what_if — a volume what-if/sensitivity sweep: cross-venue cheapest ranking and per-venue fee/cost curves across monthly-volume levels (default points = the union of every venue's VIP thresholds), the exact tier-crossing list, and with baseVolume each venue's next rung, extra volume required and USD/year saved at today's volume (holding-gated rungs like Binance spot's BNB requirement flagged blocked_by_holding_gate). v0.35 adds compare_countries — one trader persona priced through the full annual all-in stack across up to 12 countries in a single call: per-country winner and realistic all-legs pick, the extra annual cost vs the cheapest country on a comparable basis (a rail-less headline winner cannot fake a country), a venue×country availability matrix that distinguishes compliance-blocked from product-unsupported (spot-only Coinbase for a futures trader), venue win counts and the cheapest/costliest gap. v0.36 adds ready-to-paste matrix tables — compare_personas, volume_what_if and compare_countries accept format: "markdown" | "csv" | "both" and return a rendered object alongside the unchanged JSON (tableMetric selects the slice: weighted fee / annual fee / tier for the sweep, availability symbols / cost for countries); markdown tables escape pipes and CSV follows RFC 4180 (quoted commas/quotes/newlines, CRLF) for direct paste into docs or spreadsheets; default calls stay byte-identical. v0.37 adds BloFin as the 13th venue — a derivatives-led Cayman/Marshall-Islands exchange (~$1.2B/24h perp volume, no KYC up to 20k USDT/day withdrawals): 6-tier spot/futures ladders (futures 0.020%/0.060% base → 0%/0.035%, spot 0.10%/0.10% → 0.01%/0.0325%), three-track OR qualification (30d futures volume / 30d spot volume / account assets — just $50k assets reaches futures VIP1), 8h funding, ~3 bps typical perp spread, TRC-20 withdrawals at ~1 USDT/USDC, no native token, no referral link, no direct fiat rails, and blocked in US/CA/CN/SG plus the EEA under MiCA (Germany explicitly modeled). v0.38 adds Bitstamp as the 14th venue — the most regulated venue in the model (founded 2011, Luxembourg, Robinhood-owned; EU MiCA CASP passport, NYDFS BitLicense, UK FCA, SG MAS): an 11-tier volume-only spot ladder (0.30%/0.40% entry → 0.00%/0.03% above $1B 30d turnover) plus regulated USD-margined perps at a flat −0.005% maker rebate / 0.015% taker with 8h peer-to-peer funding — the perps are EU/EEA-eligible-residents only, modeled with a venue×country product gate (v0.40: a positive EEA region allowlist — all 30 EEA states route both products, every other residency including AU/BR/CH gets futures PRODUCT_BLOCKED_IN_COUNTRY while spot stays open; CN is venue-blocked), deep direct fiat rails (free ACH both ways, free SEPA in / €3 out, 0.05%/0.1% SWIFT with floors/cap, ~4% card) and conservative ERC-20-heavy withdrawals (USDT ~20 ERC-20 only — the most expensive USDT route modeled). Funding math defaults to bundled long-run averages and can switch to real-time live rates via fundingMode: "live". Execution cost (spread + slippage) defaults to bundled typical-spread baselines and can switch to real-time order-book walks via spreadMode: "live". v0.39 adds get_account_fee_tier — the leap from the public fee schedule to the caller's actual account rate: pass a read-only API key (Hyperliquid needs only the public 0x wallet address; OKX/KuCoin-Futures take an API passphrase) and the tool calls the venue's authenticated fee endpoint via ccxt, returns the real maker/taker in percent and the signed gap in bps vs the bundled public VIP tier at the given monthly volume (captures server-side BNB deductions, the venue's own rolling-30d VIP window, negotiated/promo rates; 13/18 venues supported — Phemex/BloFin, Finst, Bitpanda and BISON (no public trading API / ccxt connector), plus the spot-only venues' perps (Bitstamp, Bitvavo), return a typed unsupported error). Credentials are per-request only, never cached, never written to logs (audit lines redact apiKey/secret/password; error strings scrub credential literals), and country/product compliance gates run before any authenticated call. v0.40 adds positive region allowlists (regions + product_region_gates in country_restrictions.json) replacing the v0.38 negative-list default key: Bitstamp perps now require membership of the declared EEA region (all 30 states — EU27 + Iceland/Liechtenstein/Norway), so unmodeled non-EEA residencies such as AU/BR/CH/TR/KR are correctly PRODUCT_BLOCKED_IN_COUNTRY instead of being silently over-opened, while every EEA member (FR/NL/ES/IT/…) routes both products; the gate is data-driven and reusable for future region-restricted venues. v0.41 enforces the post-cliff MiCA regime (Article 143(3) transition ended 2026-07-01, no extension) with negative region gates (region_blocked + product_region_blocked): for EEA residents, Binance, MEXC, Bitget, KuCoin, BingX, Phemex and BloFin are venue-blocked for every product (no usable CASP authorization — withdrawn/pending applications or KuCoin's active FMA commencement-of-business ban), and Bybit/Gate perps are product-blocked pending separate MiFID II investment-firm authorization while their spot stays open; the EEA stack is therefore OKX/Gate/Bybit/Kraken/Coinbase/Bitstamp for spot and only OKX (X-Perps), Kraken and Bitstamp for perps, plus non-custodial Hyperliquid (no frontend geo-block — retained with an explicit gray-zone risk caveat). Negative gates narrow EEA results only; non-EEA markets (US/GB/AU/BR/JP/…) are byte-identical to before, including countries routed through the open default key. v0.42 adds Bitvavo as the 15th venue — the largest home-grown euro spot exchange (Amsterdam, founded 2018, ~4M+ users, roughly half of global EUR-denominated spot volume; AFM MiCA CASP registration #41000010 with EEA passporting) — and a new venue-level positive service-area gate (region_allowed in country_restrictions.json): Bitvavo serves only the 30 EEA states, so every other residency (US/GB/CH/JP/SG/AU/BR/CN/… including default-key countries) gets the venue filtered (COUNTRY_BLOCKED semantics), while a whitelist hit authorizes the venue even where a stale per-country allowed enum disagrees. Bitvavo is spot-only: a nine-rung single-track 30-day EUR-volume PRO ladder (0.15%/0.25% entry → 0.00%/0.02% above €25M; no token, no assets track; the Basic consumer UI's embedded spread is not modeled), the tightest EU EUR-book spread in the model at 1.0 bps full / 0.5 bps crossing (Kaiko 2026-05 measured 0.981 bps — best of any European venue), free SEPA/SEPA Instant both legs in EUR (iDEAL/Bancontact ride SEPA; €25k/day cash-out cap) plus a ~1% EU card deposit with no card cash-out, and a dynamic BTC-only on-chain withdrawal modeled at 0.00005 BTC (no Lightning; USDT/USDC/ETH/alts surface as unsupported). The EEA spot stack grows to 8 venues; the futures stack is unchanged (Bitvavo lands in unsupported_product for a futures persona). The separate Bitvavo UK and Swiss entities are deliberately not modeled, so GB/CH stay outside the whitelist. v0.43 adds Finst as the 16th venue — the model's first brokerage rather than an order-book exchange (Amsterdam, founded 2022 by an ex-DEGIRO team; AFM MiCA CASP #41000015 granted 2025-07 with EEA passporting, ~30 countries / 110k+ users): a smart-order router (SOR) that aggregates external liquidity and charges a flat 0.15% on every buy/sell/swap/auto-invest — no maker/taker split, no volume tiers, no minimum, no spread markup (modeled as a single volume-independent ladder rung plus a 1.0/0.5 bps cohort spread proxy). The same venue-level region_allowed: ["EEA"] gate applies, bringing the EEA spot stack to 9 venues; Finst vanishes from every non-EEA result. It is spot-only (a futures persona sees unsupported_product inside the EEA, blocked outside), offers free SEPA/SEPA Instant/iDEAL/Bancontact both legs in EUR only — no card rail (explicit card queries return available: false), no PayPal, no USD/GBP — and models crypto withdrawals as dynamic network fee at cost plus a flat €2.50 third-party charge: because the schema has no surcharge field, BTC is priced all-in at 0.000085 BTC (≈$6.57) with the two-part composition disclosed in the route note, while the other 400+ markets surface as unsupported. There is no referral program and no public trading API, so get_account_fee_tier is unsupported (live coverage stays 13 venues). v0.44 adds Bitpanda as the 17th venue and the model's first spread-priced brokerage (Vienna, founded 2014, 7.4M+ users; BaFin MiCA CASP authorization 2025-01-27 with EEA30 passporting + Austrian FMA license + UK FCA-registered Bitpanda Broker UK entity): the consumer app quotes an all-in price with the fee embedded as a markup and zero separate commission — a new pricing_model: "spread" (order_book | flat | spread) with no maker/taker split and no volume ladder — 1.49% per side headline for most assets, 0.99% per side for BTC and major stablecoin pairs via pair-level overrides, and 2.49% for sub-€100M small caps (the 1.99% crypto-index band and the consumer app's 10x margin are not modeled; futures unsupported). Because the embedded markup is the spread cost, Bitpanda's bundled typical-spread baseline is pinned to 0 bps so the premium and a spread line can never be double-charged, and a new execution_quality evidence block discloses the gap the broker hides: advertised 2.98% round trip vs TUM's real-money €100 round-trip measurement of 6.23% — 4.25 percentage points of hidden markup (Oct–Nov 2025, independently replicated by the Frankfurt School of Finance in 2026-03 with 432 round trips across 9 platforms) — the largest measured European retail cost gap in the research. Bitpanda serves only the 30 EEA states plus Great Britain via region_allowed: ["EEA","GB"] (GB added as a single-member region key — the same positive gate mechanism, no gate-code change), bringing the EEA spot stack to 10 venues; a futures persona sees unsupported_product inside the service area and blocked outside (US/CA/CN/CH/…); the separate Bitpanda Fusion pro exchange (0.02–0.25% aggregated-liquidity pricing) and stocks/metals/ETFs are deliberately not modeled and disclosed via notes. All consumer-app fiat rails have been free since 2026 — SEPA/SEPA Instant, Visa/Mastercard cards (deposit-only, no card cash-out leg), PayPal and Apple/Google Pay in EUR, plus FPS and cards in GBP; there is no USD route (USD queries retain the venue row with available:false). Crypto withdrawals pass the dynamic network fee through with no markup: BTC 0.00000598 (~$0.46) and ETH 0.0006 (~$1.51) at the dated snapshot. There is no referral link and ccxt ships no bitpanda class, so get_account_fee_tier returns ACCOUNT_FEES_UNSUPPORTED (live coverage stays 13 of 17 venues). v0.45 adds BISON as the 18th venue and the model's second spread-priced brokerage (Boerse Stuttgart Group, Stuttgart, launched 2019, 1M+ active users; EUWAX AG quotes as principal counterparty for roughly 10 seconds with no order book; Boerse Stuttgart Digital Custody — formerly blocknox — held the first BaFin MiCA crypto custody/transfer license from 2025-01-17, passported to 29 states, and EUWAX AG's crypto exchange service has been MiCA-authorized since 2025-04-01): the consumer app quotes one all-in price, again modeled with pricing_model: "spread" (no maker/taker, no volume ladder) — 1.25% per side for BTC and ETH via pair-level overrides, 1.75% per side for every other cryptocurrency (round trip ≈2.5% vs ≈3.5%), undercutting Bitpanda's 1.49% headline. The spread baseline is pinned to 0 bps (same anti-double-count guard), and the execution_quality evidence block tells the opposite story to Bitpanda's: advertised 2.5% round trip vs TUM's real-money €100 measurement of 2.58% — only ~0.08 percentage points undisclosed (Oct–Nov 2025, six MiCA-licensed platforms) — by far the closest published-vs-measured alignment of the tested field (Bitvavo next; Bitpanda 6.23%, Coinbase 7.49%), making BISON the European transparency benchmark. BISON serves the 30 EEA states plus Switzerland via region_allowed: ["EEA","CH"] — CH is a new single-member region key (DE/AT/CH actively marketed, other EEA residents served under passive freedoms) — and is blocked for Great Britain, the exact complementary gap to Bitpanda (EEA+GB, not CH), plus US/CA/JP/SG/AU/BR/CN/KR; the EEA spot stack becomes 11 venues, the CH stack 15, and BISON never appears in GB/US/JP results. It is spot-only (futures: [] → unsupported_product in-service, blocked outside; no futures or margin exist). Crypto withdrawals are officially free — no network-fee line, on-chain costs absorbed by EUWAX/the group (unlike Bitpanda's pass-through) — modeled at BTC 0 and ETH 0, which makes BISON the globally cheapest modeled withdrawal for both assets (min 0.001 BTC, no Lightning/Taproot bc1p; Ethereum mainnet only, min 0.01 ETH, no L2 payouts). Fiat is EUR only: SEPA/SEPA Instant free both legs including Swiss users funding in EUR, plus 2.49% deposit-only card/Apple Pay/Google Pay (Solaris SE/Deutsche Bank partner fee, no card cash-out; no GBP/USD/CHF rail — USD queries keep the unavailable row). The €1.99 German stocks/ETFs order fee and the 27% staking reward commission are not crypto-trading fees and are not modeled. The invite-a-friend program carries no affiliate URL (NO_REFERRAL_LINK) and ccxt 4.5.78 ships no bison/euwax class, so get_account_fee_tier returns ACCOUNT_FEES_UNSUPPORTED (live coverage stays 13 of 18 venues). v0.46 adds get_stablecoin_access (18th tool) — MiCA stablecoin regional-access intelligence: Tether never applied for MiCA EMT authorization, and after the CASP transitional cliff on 2026-07-01 (ESMA75-113276571-1679, confirmed non-extendable) USDT venue trading is unavailable across all 30 EEA states — the model carries the full delisting timeline per venue (Coinbase 2024-12, the Binance/Kraken/OKX/Gate/Bitstamp/Bitpanda/Bitvavo wave through 2025-03, Revolut's 2026 buy-stop/residual-conversion dates) plus venue_blocked status for the six EEA-blocked venues and never_offered for BISON/Finst/Hyperliquid; the report distinguishes the venue-side trading ban from personal rights — holding, custody and on-chain withdrawal to self-custody stay legal (Convert/custody mostly retained, DEXs outside the perimeter; Switzerland and Great Britain are deliberately not in the EEA region), names the six modeled MiCA-authorized alternatives (USDC/EURC — Circle France EMI, EURI — Banking Circle, EURCV — SocGen FORGE, USDQ/EURQ — Quantoz) with issuer/authorization detail, and renders bilingual advice. The same STABLECOIN_UNAVAILABLE_IN_REGION warning is auto-injected into every USDT-quoted EEA flow — fee comparisons (per-venue stablecoin_access rows), savings/total-cost/annual-cost/recommendation (top-level stablecoin_warning in trading context), withdrawals (self-custody/withdrawal context), execution cost and persona analysis (5 of 7 personas habitually withdraw USDT) — so an agent can never recommend an EU resident trade USDT on a venue without the constraint surfacing. v0.47 adds compare_interface_costs (19th tool) — consumer vs PRO dual-interface cost modeling: the same account often runs a cheap order-book interface (Kraken Pro, Coinbase Advanced, Bitvavo trade) and an expensive consumer app whose spread is embedded in the quote — priced against the TUM real-money €100 round-trip study (2025-10..11, six MiCA-licensed EU platforms; independently replicated by Frankfurt School 2026-03 with 432 round trips across 9 platforms): retail round-trips span 13x — Bitvavo 0.58% (pass-through, transparency benchmark) < BISON 2.58% < Kraken app 5.81% (3.81pp hidden) < Bitpanda 6.23% (4.25pp hidden) < Coinbase Simple 7.49% (4.51pp hidden, worst — the $2.99 flat fee dominates small DCA buys and even simple LIMIT orders carry a 1% execution fee); per-venue rows give the consumer product name and fee model, a modeled one-way all-in cost, the measured round trip, the hidden markup pp, the PRO maker/taker base and the gap in pp, and with monthly_volume_usd the annualized excess of staying on the app (Coinbase at $1k/mo ≈ $168/yr), plus subscription caveats (Kraken+ $4.99/10k waiver, Coinbase One) and the fact that app volume earns no PRO tier credit; Bitpanda/BISON are broker-only (the premium IS the fee — no PRO interface to switch to), Bitstamp Basic is flagged unverified, residency gating applies, and the same gap auto-injects as consumer_interface hints + CONSUMER_INTERFACE_MORE_EXPENSIVE warnings into the fee/savings/total-cost/recommendation tools. v0.30/v0.31 add bilingual narrative output — the fifteen narrative-bearing tools accept language: "en" | "zh" and localize every advice/warnings/tradeoffs/reasons/tier_warning string (numbers, field names and error codes stay unchanged); v0.31 also fixes the held-back BNB tier warning, which previously rendered "holding at least undefined BNB".

| Tool | Trigger (EN / 中文) | Returns | |---|---|---| | compare_exchange_fees | "which exchange has the lowest fees" / "交易所手续费对比" | Exchanges sorted by weighted effective fee rate, maker/taker split, VIP tier, token + referral discounts | | get_referral_link | "give me a Binance referral link" / "币安优惠注册链接" | Referral URL + discount % + notes | | calculate_savings | "how much will I save on 100k USDT futures" / "10万U能省多少" | Original fee, fee after referral, fee after token, final fee, savings, optional funding cost | | compare_total_cost | "true cost including funding and withdrawal" / "真实总成本对比" | Per-exchange trading fee + funding cost + withdrawal fee, ranked; v0.26 optionally folds annualized direct fiat deposit/cash-out fees (fiatDepositAmountUsd/fiatDepositsPerYear + cashout equivalents) into total_cost, with fiat_deposit_available/fiat_cashout_available flags so a venue with no direct rail is marked and the leg excluded, never priced as zero | | recommend_exchange | "which exchange should I use" / "我该选哪个交易所" | Scored best pick (0-100) with reasons, tradeoffs, advice, and ranked alternatives; v0.27 folds the user's direct fiat deposit/cash-out habit into the score (dispersion-driven 0.2–0.5 weight), flags rail-less venues with an explicit tradeoff, and ranks a small card/SEPA on-ramper on fiat rails instead of trading fees alone | | calculate_annual_cost | "what does trading cost me per year" / "一年手续费多少，升VIP能省多少" | Annualized trading fee + funding + withdrawals (+ v0.26 optional annual fiat deposit/cash-out legs in annual_total_cost), plus next-VIP-tier qualification path and yearly saving | | get_data_sources | "where does the data come from" / "数据哪来的，多久更新" | Per-file last_verified dates and source URLs (official exchange fee pages) + caveats | | get_funding_rates | "current funding rate on BTC perps" / "现在各所资金费率多少" | Per-exchange funding rate + interval for a perp pair (default BTC/USDT): bundled averages or real-time live rates with per-venue fallback | | get_execution_cost | "spread and slippage on a 50k market order" / "点差滑点多少、大单冲击成本" | Per-exchange one-way execution cost in bps + USD for an order size: full spread, half-spread crossing, depth-walk slippage, levels consumed, fill status — bundled baselines or live top-100 book walks | | get_fiat_cost | "cheapest way to deposit euros / cash out to bank" / "入金出金手续费、SEPA/ACH/电汇/PIX 哪个便宜" | Per-exchange direct fiat deposit or withdrawal quotes for an amount: fee (pct + fixed with min/max), USD-equivalent, effective %, net amount, ETA, cheapest rail per venue, overall best pick and saving vs worst — card / ACH / SEPA / FPS / wire / SWIFT / PIX in USD/EUR/GBP/BRL with residency-based rail filtering | | get_withdrawal_fees | "cheapest network to withdraw USDT / ETH L2 提币费对比" / "各所提币手续费、TRC20/ERC20/ Layer2 哪个便宜、哪条链暂停了" | Per-exchange withdrawal quotes for an asset (and optional network): every route's native-unit fee + USD-converted fee with available flag (suspended wallets surfaced, never hidden), cheapest open route per venue, overall best, saving vs worst, warnings — 16 assets across TRC-20/ERC-20/BEP20/Arbitrum/Optimism/Base/Polygon/Avalanche C/Solana/TON/AssetHub and native chains; fully offline | | analyze_persona | "which exchange fits a small buyer / scalper / HODLer" / "我这种情况哪个交易所划算、定投囤币/波段/高频场景推荐" | Seven research-anchored trader personas (casual buyer, HODL accumulator, active spot, swing futures, day scalper, VIP/institutional, DEX-native): annual all-in ranking over the FULL cost stack — trading fees + funding + spread + withdrawals + fiat on/off-ramping — with per-component cost mix, component leaders, a best_complete pick (cheapest venue with every persona leg priced; headline winners missing rails are flagged, never silently $0), warnings and actionable advice; v0.25 cross-links analyze_token_discount — when run with useToken=false (the default), the top-3 ranked venues each get a token_discount_hint (token, discount %, annual saving, payback months, holding cost, flat-vs-tiered) plus a consolidated token_discount_hints array and concrete advice, so one call answers both "which exchange fits me" and "is holding its token worth it"; all presets overridable | | analyze_token_discount | "is holding BNB/GT/KCS for fee discounts worth it" / "持有平台币划算吗、折扣多久回本、币价跌多少不亏" | Native-token fee-discount payback: annual fee WITHOUT the token (zero-balance tier, no toggle) vs. WITH it (BNB/MX/BGB/KCS flat deduction, GT/MX/HYPE holding-tier ladder, Gate futures maker-to-zero, GT/KCS/BNB tier lift), annual USD saving, USD opportunity cost of the locked token balance, payback in months, and max one-year token price drop the saving can absorb; omit tokenBalance to get every achievable tier ranked by payback | | compare_personas | "which exchange for EVERY kind of trader" / "全部画像对比、什么人用什么所、决策矩阵、最全能的交易所" (v0.28) | One call runs all seven personas (or a subset) for a country through the full annual all-in stack and returns a decision matrix: per-persona headline winner + realistic best_complete pick, a persona×venue annual_all_in grid (cheapest-first, rail/route flags per cell), cross-persona venue_wins, and most_versatile — e.g. in JP Hyperliquid headlines 3 personas but wins zero realistic picks (no fiat/withdrawal rails), while OKX is the most versatile all-legs winner | | volume_what_if | "how do fees change if my volume grows / how much more trading to hit the next VIP tier" / "月交易量不同手续费差多少、再刷多少量升档省钱、各所档位跳变点、费率随成交量曲线" (v0.34) | Volume what-if sweep for spot/futures across every allowed venue: per-volume-point cross-venue cheapest ranking (tier + weighted fee + annual trading fee), per-venue sweep curves with tier_crossed markers, and a flat tier_crossings list; with baseVolume, per-venue next_tier gives the exact threshold, extra monthly volume and USD/year saving at the current volume — blocked_by_holding_gate: true marks rungs volume alone cannot reach (e.g. Binance spot BNB AND-gate). Default sweep points are the union of all venues' VIP thresholds (sampled past 16 with a warning); pass explicit volumes for custom points | | compare_countries | "same profile across countries / I'm moving countries, what changes / which venues are blocked here" / "同样的习惯在哪个国家最便宜、搬家换居住地、各国有什么交易所、哪些所在我国不能用、国家差异矩阵" (v0.35) | Runs one persona (default active_spot_trader; any of the 7) through the full annual stack across multiple countries (default US/GB/DE/JP/SG/BR/CN, up to 12): per-row headline winner plus realistic best_complete, comparison_annual_all_in/extra_vs_cheapest_country_* on a comparable all-legs basis (Hyperliquid can headline for a card buyer yet be excluded from country math because it has no fiat rails), blocked_venues vs unsupported_product_venues (Coinbase for futures), a full venue×country venue_availability matrix, winner_venue_counts, cheapest_country/costliest_country/spread_usd and bilingual advice — e.g. the same small card buyer pays ~$125/yr in the US vs ~$73 in Germany (cheap SEPA/card rails) | | get_account_fee_tier | "what is MY actual fee / my real VIP maker-taker / check my account fee with a read-only API key" / "我的实际费率、账户真实VIP档位、API查我的手续费、只读密钥查费率" (v0.39) | Authenticated real account maker/taker via read-only key + signed gap in bps vs the public schedule tier at the stated volume; 13/18 venues (Phemex/BloFin unsupported by ccxt, Finst, Bitpanda and Bison have no public API/connector; Bitstamp/Bitvavo spot-only so their perps unsupported); keys never cached or logged; compliance gates first; typed auth/network error codes | | get_stablecoin_access | "can I still trade/withdraw USDT in the EU / is USDT delisted here / MiCA stablecoin alternatives" / "USDT在欧盟还能用吗、泰达币下架、欧洲稳定币、USDC/EURC合规稳定币" (v0.46) | MiCA regional access for a stablecoin (default USDT; also USDC/EURC/EURI/EURCV/USDQ/EURQ): issuer + MiCA EMT authorization, regional venue-trading restriction with cliff date (EEA30 post-2026-07-01), custody/withdrawal/self-custody rights, per-venue status (delisted + date / never_offered / venue_blocked, eea/global scope, availability in the queried country), compliant alternatives and bilingual advice; the same warning auto-injects into fee, withdrawal, execution-cost and persona tools for USDT/EEA requests | | compare_interface_costs | "why is the Kraken/Coinbase app so expensive / hidden spread in Instant Buy or Simple" / "为什么App买币这么贵、App隐藏点差、两套价格、简单买卖手续费、TUM实测" (v0.47) | Per venue: consumer product name + fee model, modeled one-way all-in cost, TUM-measured round-trip, hidden markup pp, the PRO maker/taker base and gap in pp, and with monthly_volume_usd the annualized excess of the consumer app vs PRO (e.g. Coinbase $1k/mo ≈ $168/yr); subscription caveats (Kraken+/Coinbase One), no-PRO-tier-credit note, residency gating; Bitvavo surfaces as the 0.58% pass-through transparency benchmark | | get_fee_changes | "did any exchange change its fees lately / fee change history / 哪家所最近调过手续费、费率变更历史、怎么监控费率调整" (v0.48) | Auditable fee-schedule change feed: curated high/medium-confidence records verified against official announcements (date, source URL, bilingual summary, before/after) merged with detected rows auto-derived from monthly ladder-snapshot diffs (clearly labeled unverified); filters exchange/product/since_month/limit, bilingual advice, plus snapshot_coverage (repo-only snapshots; npm consumers see available: false) |

Supported exchanges: Binance, OKX, Gate.io, Bybit, MEXC, Bitget, KuCoin, Kraken (spot + futures, full VIP tier tables; MEXC runs a flat Standard tier; Kraken runs one unified 17-tier schedule across both products), Coinbase (Advanced Trade spot-only, volume-only tiers), Hyperliquid (v0.20, the first DEX venue: on-chain L1 order book, 14-day rolling volume tiers, hourly funding, staked-HYPE fee discounts, no KYC), BingX (v0.21: VIP Club ladders with a volume-only Elite rung, a volume-OR-assets qualification track, and 8h funding), and Phemex (v0.24: Singapore-based, ex-Morgan Stanley team, the lowest maker fees in the industry — 0.01% spot/futures at the Standard tier, 30-day-volume-only VIP ladders, 8h funding, flat 20% PT token fee-deduction discount on spot+futures), and BloFin (v0.37: Cayman/Marshall-Islands derivatives venue live since 2023, ~$1.2B/24h perp volume — 6-tier ladders with futures 0.020%/0.060% base down to 0%/0.035% at VIP5, three-track OR qualification via 30d volume/spot-volume/account assets ($50k assets alone reaches futures VIP1), 8h funding, ~3 bps typical perp spread, no native token, no direct fiat rails; blocked US/CA/CN/SG and EEA under MiCA), and Bitstamp (v0.38: Luxembourg-founded (2011), Robinhood-owned, the most heavily regulated venue — MiCA CASP / NYDFS BitLicense / UK FCA / SG MAS; 11-tier volume-only spot ladder 0.30%/0.40% → 0%/0.03% at $1B; EEA30-only regulated USD perps at a flat −0.005% maker rebate / 0.015% taker with 8h P2P funding, gated per country×product via a positive region allowlist (v0.40); free US ACH, free SEPA in / €3 out, 0.05%/0.1% SWIFT, ~4% card; ERC-20-heavy withdrawals — USDT ~20 ERC-20 only, USDC also on Solana/L2; no native token), and Bitvavo (v0.42: Amsterdam (2018), the largest home-grown euro spot exchange — AFM MiCA CASP #41000010 with EEA passporting, ~4M+ users and roughly half of global EUR-denominated spot volume; nine-rung single-track 30d EUR-volume PRO spot ladder 0.15%/0.25% → 0%/0.02% above €25M, no token/assets track; the model's tightest EU EUR-book spread at 1.0 bps (Kaiko 2026-05); free SEPA/SEPA Instant both legs (iDEAL/Bancontact) + ~1% EU card deposit only; BTC-only dynamic withdrawal at 0.00005; spot-only — no perps; gated by a venue-level positive service-area allowlist (region_allowed: EEA30), so every non-EEA residency including GB/CH (separate unmodeled entities) is venue-blocked), and Finst (v0.43: Amsterdam (2022, ex-DEGIRO team), the model's first brokerage/SOR venue rather than an order-book exchange — AFM MiCA CASP #41000015 with EEA passporting; a FLAT 0.15% on every buy/sell/swap with no maker/taker split, tiers or spread markup, modeled as one volume-independent ladder rung; free SEPA/SEPA Instant/iDEAL/Bancontact both legs EUR-only, no card/PayPal/USD/GBP; BTC withdrawal 0.000085 (dynamic network fee ≈0.00005 + €2.50 flat third-party charge folded into the native fee), other assets unsupported; spot-only; EEA-only via the same region_allowed: ["EEA"] gate — the EEA spot stack is now 9 venues; no referral, no public trading API so account-fee lookup is unsupported), and Bitpanda (v0.44: Vienna (2014), the model's first spread-priced brokerage rather than an order-book venue — BaFin MiCA CASP (2025-01-27) with EEA30 passporting plus Austrian FMA and UK FCA entities, 7.4M+ users; the consumer app embeds its fee as an all-in price markup: 1.49%/side headline, 0.99%/side for BTC and major stablecoin pairs via pair overrides, 2.49% for sub-€100M small caps — no maker/taker split, no volume ladder, pricing_model: "spread" with the spread baseline pinned to 0 bps to prevent double-counting, plus execution_quality evidence (advertised 2.98% round trip vs TUM real-money measured 6.23%, 4.25pp hidden; Frankfurt School 2026-03 replication); free SEPA/SEPA Instant/deposit-only cards/PayPal/Apple-Google Pay in EUR and FPS/cards in GBP since 2026, no USD route; BTC 0.00000598 (~$0.46) and ETH 0.0006 (~$1.51) dynamic network-cost pass-through; spot-only; EEA30+GB service area via region_allowed: ["EEA","GB"] (GB single-member region key) — the EEA spot stack is now 10 venues and GB is included unlike Bitvavo/Finst; the separate Fusion pro exchange, stocks/metals and 10x margin are not modeled; no referral, no ccxt class so account-fee lookup is unsupported), and BISON (v0.45: Stuttgart (2019), Boerse Stuttgart Group — the model's 18th venue and second spread-priced brokerage — EUWAX AG quotes as principal (no order book, ~10s quote validity); Boerse Stuttgart Digital Custody held the first BaFin MiCA custody/transfer license (2025-01-17) and EUWAX's exchange service has been MiCA-authorized since 2025-04-01, 1M+ active users; the consumer app embeds 1.25%/side for BTC/ETH via pair overrides and 1.75%/side for every other coin (~2.5%/~3.5% round trip) — no maker/taker, no ladder, pricing_model: "spread" with the spread baseline pinned to 0 bps, plus execution_quality evidence (advertised 2.5% vs TUM real-money measured 2.58%, only ~0.08pp hidden — the closest published-vs-measured alignment of the six tested platforms); FREE SEPA/SEPA Instant both legs EUR-only including Swiss users + 2.49% deposit-only card/Apple/Google Pay, no GBP/USD/CHF rail; BTC and ETH on-chain withdrawals officially FREE at fee 0 (network costs absorbed by the group; min 0.001 BTC, no Lightning/Taproot; ETH mainnet only, no L2); spot-only, no futures/margin; service area EEA30+CH via region_allowed: ["EEA","CH"] (CH as a new single-member region key) — the EEA spot stack is now 11 venues, the CH stack 15, and GB is blocked (the complementary gap to Bitpanda); German stocks/ETFs (€1.99/order) and the 27% staking commission are not modeled; invite-a-friend but no affiliate URL, no ccxt class so account-fee lookup is unsupported). Referral links are optional per exchange — tools compare every exchange with fee data and only attach referral_url / referral_discount when a link is configured (Kraken, Coinbase, Hyperliquid, BingX, Phemex, BloFin, Bitstamp, Bitvavo, Finst, Bitpanda and BISON have none).

Fee-model inputs

• monthlyVolumeUsd / volume — resolves the correct VIP tier per exchange.
• tokenBalance (optional) — native-token holdings, with exchange-specific ladder rules (verified against official fee pages 2026-09):
  • Binance spot — AND gate: VIP1+ requires the volume threshold and BNB holdings (VIP1 = $1M + 5 BNB … VIP9 = $4B + 5,500 BNB). Omit it → the volume tier is quoted with a tier_warning; pass 0 → the tier is downgraded and priced correctly. (Binance futures have no holding gate.)
  • Gate spot + futures — OR dual-track: VIP level is the higher of your 30-day volume rung and your GT-holdings rung (VIP1 = $1M or 1,000 GT … VIP9 = $1B or 200,000 GT). GT can only upgrade the tier, never downgrade it; results include a next_tier upgrade hint. GT holdings also unlock fee-payment discounts (100/500/2000/20000 GT → 10/20/35/50%).
  • KuCoin spot + futures — OR triple-track (v0.13): VIP0–VIP12, and the level is the higher of your 30-day spot-volume rung, 30-day futures-volume rung (spot/futures thresholds differ and are applied per product), or your KCS holdings rung (VIP1 = 1,000 KCS … VIP12 = 150,000 KCS). KCS only upgrades, never downgrades; results include a next_tier / requires_kcs upgrade hint. KuCoin spot symbols are split into Class A (high-liquidity majors — the ladder quoted), Class B (exactly 2× Class A) and Class C (exactly 3×); spot results carry a spot_class_note reminding the caller to check the pair's class. Compliance note: KuCoin is filtered out for US, CN, HK, SG, TH.
  • Kraken spot + futures — unified 17-tier triple-track (v0.14): since 2026-07-09 Kraken Pro applies one tier (Tier 1–12, then Pro 1–5) to both products, set by the highest of the 30-day spot-volume track, the 30-day futures-volume track (different thresholds per product), or real-time assets on platform (AOP) passed via accountAssetsUsd (Tier 3 = $20k AOP … Tier 9 = $1M … Pro 5 = $100M). Tier 1–2 have no asset path — holdings start at Tier 3. Spot runs 0.40%/0.80% at Tier 1 down to 0%/0.05% at Pro 5; futures run 0.02%/0.05% down to -0.006%/0.0125%, with negative maker rebates from Tier 11. Kraken has no native token (so useToken never applies) and no referral link. Every Kraken result carries exchange_notes with the qualification caveats (single-volume-input limitation, US/CA/NZ futures cross-qualification, consumer-app vs Pro pricing). Compliance: Kraken serves US (spot; CFTC-regulated Kraken/Bitnomial perps in 47 states), HK, JP, TH and is blocked for CN and SG.
  • Coinbase spot — volume-only tiers (v0.19): Advanced Trade quotes pure order-book maker/taker rates that refresh hourly on 30-day rolling USD volume across all pairs (Tier 1 = 0.40%/0.60% … Tier 2 = 0.25%/0.40% at $10k … Tier 9 = 0%/0.04% at $400M). Qualification is volume-only — no holdings track, no native token, so tokenBalance/useToken never apply and accountAssetsUsd is ignored. Coinbase is a spot-only venue: it is automatically excluded from futures fee comparisons and from live funding fetches (retail nano BTC/ETH perps are not modeled). Spot execution cost uses a 2.0 bps typical full-spread baseline (live mode walks the coinbaseexchange book); withdrawal routes cover BTC / ETH / USDT (ERC-20, Base, Solana) / USDC (Base free, ERC-20) with dynamic gas-based fee notes. Compliance: served to US and SG residents, blocked for CN, HK, TH, JP.
  • Hyperliquid spot + futures — 14-day volume tiers + staked-HYPE discount (v0.20): the first DEX venue — a fully on-chain L1 order book (HyperCore) with zero trading gas, USDC-margined perps and a USDC-quoted spot book (deposits arrive via Circle CCTP, min 5 USDC). Tiers refresh daily on a 14-day rolling weighted volume window (spot volume counts 2× — not the 30-day window other venues use, so a steady-pace trader's real tier may sit one rung lower): perps 0.045%/0.015% at Tier 0 down to 0.024%/0% at Tier 6 ($7B), spot 0.070%/0.040% down to 0.025%/0%; maker is plain zero (not negative) from Tier 4. Qualification is volume-only — holding HYPE never qualifies a tier. The staked-HYPE ladder (10/100/1k/10k/100k/500k HYPE → 5/10/15/20/30/40% off all maker+taker fees, spot and perps) stacks multiplicatively with the volume tier; pass useToken + tokenBalance = the staked amount (merely holding HYPE gives nothing). Funding settles every hour — the bundled 0.00125%/1h equals the same neutral 0.01%/8h average as CEX venues, and live mode is supported. Withdrawals: a single flat ~1 USDC route to Arbitrum One / 22+ CCTP chains (USDC only — no USDT route; deposits are free). Typical BTC perp spread is 0.8 bps (bundled baseline; live mode walks the hyperliquid book). No KYC, no fiat rails, no referral link. Compliance: US front-end geo-blocked (ToS restricted list); accessible from CN, HK, SG, JP, TH.
  • BingX spot + futures — VIP Club ladders with a volume-only Elite rung (v0.21): per-product 8-rung ladders (Regular → Elite → VIP1–5 → Supreme) on 30-day volume thresholds that differ between spot and futures. Futures run 0.020%/0.050% at Regular, 0.018%/0.045% at the Elite rung ($5M, inserted 2026-06-26), down to 0%/0.025% at Supreme ($500M); spot runs 0.10%/0.10% at Regular, 0.05%/0.08% at Elite ($0.5M), down to 0.005%/0.02% at Supreme ($15M). Qualification is the highest of three tracks — 30-day spot volume, 30-day Standard Contract futures volume, or previous-day account assets via accountAssetsUsd (futures VIP1 = $50k … VIP5 = $3M; levels refresh daily 03:00 UTC+8). The Elite and Supreme rungs are volume-only — assets can lift you to VIP1–VIP5 but never to Elite or Supreme (a $10B account still caps at VIP5). VIP4/VIP5/Supreme additionally require API-traded volume ≤20% of total volume (the engine assumes compliance). The close-only Standard Futures copy-trading product (flat 0.045%) is not modeled — ladders quote the Standard Contract order-book book. No native token (so useToken never applies), no referral link, no direct fiat rails (P2P/third-party gateways only). Funding settles every 8h at the standard 0.01% neutral average (live mode supported via the bingx ccxt class); bundled typical BTC spread is 4 bps. Withdrawals cover BTC / ETH / USDT / USDC across TRC-20/ERC-20/BEP20/Arbitrum/Optimism/Base/Polygon/Solana/TON/Aptos and more, with paused routes flagged per chain (e.g. USDC-TRC20, USDT Avalanche-C/opBNB). Every BingX result carries six exchange_notes (tracks, volume-only rungs, API-ratio rule, Standard Futures exclusion, no token/referral, source verification). Compliance: blocked for US, CA, GB, CN, HK, SG and — post-MiCA-cliff (v0.41, Austrian FMA application still only "advanced"/unapproved) — venue-blocked across the entire EEA; served in JP, TH, AU, BR and other non-EEA countries.
  • BloFin spot + futures — three-track OR 6-tier ladders (v0.37): BuildLight Future Limited (Cayman/Marshall Islands), derivatives live since Jan 2023, ~$1.2B/24h perp turnover (CoinGecko), Fireblocks custody, ISO 27001, monthly 1:1 proof of reserves; no KYC required (20,000 USDT/day unverified withdrawal cap). Six tiers per product qualify via the highest of three tracks — 30-day futures volume, 30-day spot volume, or daily-snapshot account assets via accountAssetsUsd (levels refresh daily 00:00–12:00 UTC): futures Regular 0.020%/0.060% (<$10M vol and <$50k assets), VIP1 0.006%/0.050% at $10M or $50k assets (an unusually cheap asset track), through VIP5 0%/0.035% at $500M/$3M; spot 0.10%/0.10% → VIP1 0.035%/0.06% at $1M/$50k → VIP5 0.01%/0.0325% at $8M/$3M. VIP4/VIP5 also require ≥80% of qualifying volume to be non-API (assumed satisfied, caveat surfaced in notes). The single monthlyVolumeUsd is matched to the queried product's own thresholds — cross-product qualification (futures volume lifting the spot tier) is not modeled. No native token (no useToken), no operator referral link, no direct fiat rails (Checkout.com/Simplex/Alchemy third-party widgets only). Funding settles every 8h (00/08/16 UTC) at the 0.01% neutral average; bundled typical BTC perp spread is 3 bps. Withdrawals are dynamic network-cost pass-through with no exchange markup: BTC ~0.0002, USDT/USDC TRC-20 flat ~1, ETH ERC-20/L2 (Arbitrum/Optimism ~$0.5–2). Compliance: blocked for US, CA, CN, SG and (no MiCA CASP authorization past the 2026-07-01 grandfathering cliff) the EEA — DE is explicitly modeled blocked; served in HK, JP, TH, GB, BR and 150+ other countries.
  • Bitstamp spot + futures — 11-tier volume-only spot ladder + EU-only regulated perps with a venue×country product gate (v0.38): founded 2011 in Luxembourg (the oldest exchange in the model), acquired by Robinhood in 2025 (~$200m); regulated under the EU MiCA CASP passport (CSSF Luxembourg), US NYDFS BitLicense + 40+ state MTLs, UK FCA, Singapore MAS and Canadian registration — the model's compliance anchor venue. Spot PRO/API fees run a single 30-day-USD-turnover track with no asset or token track: 0.30%/0.40% below $10k → 0.20%/0.30% at $10k → 0.10%/0.20% at $100k → 0.00%/0.03% at ≥$1B (11 rungs); the consumer Basic interface quotes spread-based prices and is not modeled, nor is the promotional first-$1,000 free tier or the FX/stablecoin/USDT half-rate sub-schedule. Regulated USD-margined perpetual futures are a single FLAT tier: −0.005% maker (a rebate) / 0.015% taker, peer-to-peer funding every 8h (00:00/08:00/16:00 UTC) with no platform take-rate (bundled average 0.01%). Because the perps are offered only to EEA-eligible residents, Bitstamp is modeled with a per-product gate backed (since v0.40) by a positive region allowlist — product_region_gates.bitstamp.futures = ["EEA"] against the regions.EEA membership table (the 30 EEA states: EU27 + Iceland/Liechtenstein/Norway). Venue-level access (spot) is open in US, GB, CA, JP, SG, HK, TH, DE and the catch-all default, and CN is venue-blocked; futures is product-blocked for EVERY residency outside the EEA — explicit-key markets (US/GB/CA/JP/SG/HK/TH) and unmodeled countries routed via default (AU/BR/CH/TR/KR/MX/IN/…) alike (trading tools return PRODUCT_BLOCKED_IN_COUNTRY, and compare_countries lists it under unsupported_product, not blocked); every EEA member routes both products. This replaces the v0.38 negative-list default key, which over-opened perps to non-EEA countries lacking an explicit entry. Product gating is deliberately NOT applied to get_withdrawal_fees, get_fiat_cost or get_referral_link — a US user can still use Bitstamp spot, withdrawals and fiat rails. Direct fiat is deep: US ACH free both directions; SEPA EUR deposits free / withdrawals a flat €3; international SWIFT USD/EUR/GBP 0.05% in ($7.5 floor, $300 cap) / 0.1% out ($25 floor); cards ~4% in USD/EUR/GBP. Withdrawals are conservative and ERC-20-heavy: BTC 0.0005 (no Lightning), ETH 0.005 ERC-20 only (no L2), USDT a flat 20 on ERC-20 only (no TRC-20/Solana — the most expensive USDT route in the model; USDT itself is not tradable on-exchange in the EU), USDC 4 ERC-20 (plus Solana/Arbitrum/Polygon/Optimism/Avalanche/Stellar routes not individually modeled). Bundled typical major-pair spot spread is 2 bps, on par with Coinbase Advanced. No native token (no useToken), no referral link.
  • Bitvavo spot — nine-rung EUR-volume PRO ladder + venue-level EEA service-area allowlist (v0.42): founded 2018 in Amsterdam; Bitvavo B.V. is registered with the Netherlands AFM under MiCA as a Crypto-Asset Service provider (#41000010) and passportes across the EEA (~4M+ users, a dominant share of EUR-denominated spot volume). Unlike all prior gates (negative region_blocked bans or product-level product_region_gates), Bitvavo is modeled with a venue-level positive service-area gate — region_allowed.bitvavo = ["EEA"] against regions.EEA (30 states): ONLY EEA residents can onboard the venue, and every other residency — explicit-key markets and default-key countries alike, including GB/CH served in reality by separate Bitvavo entities that are deliberately not modeled — is venue-blocked (COUNTRY_BLOCKED); a whitelist match also overrides any stale per-country allowed entry. Gate precedence per venue: region_blocked ban → country blocked → region_allowed whitelist hit (authorize) → whitelist miss (deny) → per-country allowed enum (empty = open); absent country stays false-safe. Fees are the PRO/API order-book schedule on a SINGLE 30-day trailing EUR-volume track (thresholds treated as USD-equivalent): nine rungs 0.15%/0.25% (<€100k) → 0.10%/0.20% → 0.08%/0.16% → 0.06%/0.12% → 0.05%/0.10% → 0.04%/0.08% → 0.04%/0.06% → 0.00%/0.05% → 0.00%/0.02% (≥€25M, majors); no native token, no assets track, and the consumer Basic interface (embedded-spread pricing; a 2026 TUM study measured ~0.08 pp hidden markup) is not modeled. Bitvavo is spot-only — no perpetuals are offered, so it is absent from every futures stack/funding fetch and appears as unsupported_product (not blocked) in compare_countries for an EEA futures persona; outside the EEA it is blocked. EUR books quote in EUR (not USDT) with the tightest typical spread in the model: 1.0 bps full / 0.5 crossing on majors (Kaiko 2026-05 measured 0.981 bps, the tightest of any European venue; long-tail alts run wider via pair-class multipliers). Fiat: SEPA/SEPA Instant EUR free on both legs (iDEAL and Bancontact ride SEPA; cash-out capped at €25,000/day), EU-issued cards ~1% deposit (third-party sources span 0.5–1.5%, modeled midpoint) with no card cash-out leg; PayPal (~2%) is noted but unmodeled; no USD/GBP rails. Withdrawals: dynamic network-cost BTC only, modeled at 0.00005 BTC (no Lightning; an outlier 0.0000063 quote from one aggregator was discarded) — every other asset (USDT/USDC/ETH/…) returns supported: false rather than a fabricated fee. Account-fee lookup is supported on spot via the bitvavo ccxt class.
  • Finst spot — flat-fee SOR brokerage + venue-level EEA allowlist (v0.43): founded 2022 in Amsterdam by an ex-DEGIRO team (KvK 85668117); Finst B.V. holds AFM MiCA CASP registration #41000015 (granted 2025-07) with EEA passporting and serves ~30 European countries. Finst is not an order-book venue: a smart-order-routing brokerage that aggregates external liquidity (400+ EUR/USDC markets) and publishes one flat 0.15% charge on every buy/sell/swap/auto-invest — no maker/taker distinction, no volume ladder, no minimum, and it claims no spread markup. The model therefore carries a single volume-independent rung (tier: "Flat 0.15%", maker = taker = 0.15% at every volume; the monotonic-ladder audit passes trivially), with a 1.0 bps full / 0.5 bps crossing cohort spread proxy (no order-book research exists for a SOR venue). Access uses the same venue-level positive gate as Bitvavo — region_allowed.finst = ["EEA"] — so only the 30 EEA states price the venue (the EEA spot stack becomes 9: bitstamp, bitvavo, bybit, coinbase, finst, gate, hyperliquid, kraken, okx); every other residency, including GB/US/CH/JP/AU/BR, sees it venue-blocked/absent. Finst offers no derivatives at all — futures: [] means no regulatory product gate fires (isVenueUsableFor stays true inside the EEA, mirroring Coinbase/Bitvavo semantics) but the venue never enters a futures pricing stack; compare_countries lists it as unsupported_product for an EEA futures persona and blocked outside the EEA. Fiat: a single EUR SEPA route (SEPA Instant/iDEAL/Bancontact) free on both legs; no card route (an explicit method: "card" query returns the venue with available: false / empty routes — it stays in the comparison array for EEA countries but can never be best), no PayPal, no USD/GBP. Withdrawals: the official schedule is a dynamic network fee at cost plus a flat €2.50 third-party charge per crypto withdrawal; WithdrawalFee has no surcharge field and the schema is deliberately not extended, so the BTC route is modeled all-in as 0.000085 BTC / ≈$6.57 (≈0.00005 BTC ≈$3.86 typical network component at the $77,298 snapshot + €2.50 ≈$2.72 at 0.92 EUR/USD), with the route note disclosing both parts; the other 400+ markets return supported: false. Deposits are free; unmodeled product lines (Bundle 0.10%/mo management, staking 25–45% fee share, new-customer €10k/2-week free window) are out of scope. Finst exposes no public trading API and ccxt 4.5.x ships no finst class, so get_account_fee_tier returns ACCOUNT_FEES_UNSUPPORTED (matrix deliberately omits the venue; the missing-spec path resolves unsupported) and there is no referral link.
  • Bitpanda spot — embedded-premium spread brokerage + measured-vs-advertised execution evidence (v0.44): founded 2014 in Vienna; Bitpanda GmbH holds BaFin MiCA CASP authorization (2025-01-27) passported across the 30 EEA states, plus the Austrian FMA license, and serves Great Britain through the FCA-registered Bitpanda Broker UK Ltd (~7.4M users). The consumer app is NOT an order-book venue: it quotes one all-in price with the fee embedded as a markup and no separate commission line. The schema gains a third pricing model — pricing_model: "spread" alongside "order_book" and "flat" — with a single volume-independent rung at 1.49% maker = taker for most assets; pair-level overrides apply 0.99% per side to BTC and the major stablecoin pairs (BTC/EUR, BTC/GBP, BTC/USDC, BTC/USDT and the stablecoin EUR/GBP crosses) while generic alts keep 1.49%; the official 2.49% band for sub-€100M market-cap assets and the 1.99% crypto-index band are disclosed in notes (not individually runged), as is the consumer app's 10x margin product (not modeled). Because the markup already IS a spread-crossing cost, spread_baseline.bitpanda is pinned to 0 bps full/crossing and getSpreadEstimate early-returns 0 — the anti-double-count guard that keeps the 1.49% premium from reappearing as an annual_spread_cost line. A new execution_quality object on the venue's fee spec carries independent real-money evidence: advertised_roundtrip_pct: 2.98 vs TUM's measured 6.23% mean €100 round trip (Oct–Nov 2025, 50 round trips per platform) — 4.25 percentage points hidden — replicated by the Frankfurt School of Finance in 2026-03 (432 round trips across 9 platforms); the narrative is auto-appended to exchange_notes. Access is a venue-level positive gate — region_allowed.bitpanda = ["EEA","GB"] — where GB is modeled as a single-member region key (regions.GB = ["GB"]): the whitelist hit authorizes GB through the existing gate precedence with no gate-code change, while US/CA/CN/CH and every other residency is venue-blocked. The EEA spot stack becomes 10 (bitstamp, bitpanda, bitvavo, bybit, coinbase, finst, gate, hyperliquid, kraken, okx) and GB is served (unlike Bitvavo/Finst); futures: [] makes a futures persona see unsupported_product in-service and blocked outside. The professional Bitpanda Fusion exchange (aggregated external liquidity, 0.02–0.25%) is a separate product and deliberately not modeled; tokenized stocks/ETFs/metals are out of scope. Fiat: since 2026 all consumer-app rails are free — EUR SEPA/SEPA Instant, Visa/Mastercard cards (deposit only; the withdraw leg is modeled null), PayPal, Apple/Google Pay, and GBP FPS + cards; there is no USD rail (a no-country USD query keeps the row with available: false / empty routes). Withdrawals pass dynamic network fees through with no markup, modeled only for BTC 0.00000598 BTC ($0.4622 at the $77,298 snapshot) and ETH 0.0006 ETH ($1.5072) — the JSON deliberately carries no fee_usd field so the engine recomputes from asset_prices_usd; every other asset returns supported: false. There is no referral program and ccxt 4.5.x ships no bitpanda class, so get_account_fee_tier returns ACCOUNT_FEES_UNSUPPORTED (live coverage stays 13 of 17 venues).
  • BISON spot — principal spread brokerage with near-perfect advertised-vs-measured alignment + free on-chain withdrawals (v0.45): launched 2019 in Stuttgart by Boerse Stuttgart Group (~1M+ active users, 56 cryptocurrencies as of 2026-01); the trading counterparty is EUWAX AG, which quotes in its own name as principal — quotes stay valid roughly 10 seconds and there is no order book. Custody sits with Boerse Stuttgart Digital Custody GmbH (formerly blocknox), holder of the first BaFin MiCA crypto custody/transfer license (2025-01-17, passported to 29 states); EUWAX AG's crypto exchange service has been MiCA-authorized since 2025-04-01 (8-state passport) with order execution added 2025-11-21 (Germany only). Pricing reuses the spread model — a single volume-independent rung at 1.75% maker = taker for all cryptocurrencies except BTC/ETH, with pair-level overrides at 1.25% per side for BTC/EUR and ETH/EUR (rates float with market conditions and ticket size); the official spread is the only trading cost and there is no separate commission. As with Bitpanda, spread_baseline.bison is pinned to 0 bps and getSpreadEstimate early-returns 0 so the spread can never be double-counted in annual_spread_cost. The execution_quality block carries the study's transparency benchmark: advertised_roundtrip_pct: 2.5 vs TUM measured 2.58% — just 0.08 percentage points undisclosed on 50 standardized €100 round trips over 12 trading days (Oct–Nov 2025, six MiCA platforms; BISON included in the six-platform sample), the closest published-vs-measured alignment of the sample (Bitvavo −0.58% next; Bitpanda 6.23%, Coinbase 7.49%). Access uses a venue-level positive gate — region_allowed.bison = ["EEA","CH"] — with CH added as a second single-member region key (regions.CH = ["CH"]): all 30 EEA states and Switzerland price the venue (DE/AT/CH actively marketed; other EEA states passively served under treaty freedoms), while GB is venue-blocked — deliberately complementary to Bitpanda (EEA+GB) — together with US/CA/JP/SG/AU/BR/CN/KR; the EEA spot stack becomes 11, the CH stack 15, and GB/US/JP results never contain BISON. futures: [] (no exchange-hosted futures or margin is offered) → unsupported_product in-service, blocked outside. Fiat is EUR only: SEPA/SEPA Instant free on both legs including Swiss users funding in EUR (modeled as region-less routes gated by the venue allowlist, since Switzerland belongs to SEPA but not the EU region table), plus 2.49% instant card/Apple Pay/Google Pay deposits (Solaris SE/Deutsche Bank partner fee; the withdraw leg is null — no card cash-out); there is no GBP/USD/CHF rail (a no-country USD query keeps the row with available: false). Withdrawals are officially free with no network-fee line — on-chain costs are absorbed by EUWAX/the group (a structurally different policy from Bitpanda's pass-through) — modeled only for BTC 0 BTC / $0 (min 0.001; no Lightning, no Taproot bc1p payouts) and ETH 0 ETH / $0 (Ethereum mainnet only, min 0.01; no Arbitrum/Base/Optimism/Polygon/BNB Chain L2), which makes BISON the global best for both assets; every other asset returns supported: false, and withdrawal comparison is deliberately not country-gated. The €1.99 German stocks/ETFs flat order (Germany only) and the 27% staking reward commission (ETH/SOL) are out of scope. The invite-a-friend program (DE/AT/CH ETH rewards) has no affiliate URL and ccxt 4.5.78 ships no bison/euwax class, so getReferralLink returns NO_REFERRAL_LINK and get_account_fee_tier returns ACCOUNT_FEES_UNSUPPORTED (live coverage stays 13 of 18 venues).
• accountAssetsUsd (optional, OKX / Bybit / Bitget / Kraken / BingX / BloFin) — total account assets in USD. VIP level is the higher of your 30-day volume rung and your asset rung, for both spot and futures (e.g. OKX VIP1 = $100k … VIP9 = $500M with negative maker rebates; Bybit VIP4 = $1M; Bitget VIP1 = $30k; Kraken Tier 3 = $20k AOP … Pro 5 = $100M; BingX VIP1 = $50k … VIP5 = $3M; BloFin VIP1 = $50k … VIP5 = $3M on either product's own thresholds). Assets can only upgrade, never downgrade; volume-only rows (e.g. Bybit Supreme, Kraken Tier 1–2, BingX Elite and Supreme) do not qualify via assets; BloFin VIP4/VIP5 additionally require ≥80% non-API volume (the engine assumes compliance, caveat in exchange_notes). Omitting the parameter quotes the volume tier and returns an asset-path upgrade hint (next_min_assets).
• pair (optional, v0.12) — a trading pair such as BTC/USDT, BTC/FDUSD or BTCUSDT (separators are normalized). When the pair has a known fee promo, the promo rates replace the account-tier rates and results carry pricing_basis: "pair" plus a pair_note; otherwise pricing stays account_tier. Verified pair promos: MEXC — all spot pairs 0% maker + 0% taker (0-fee program), 100+ futures pairs at 0/0 subject to per-account quotas; Binance — FDUSD pairs (BTC/ETH/BNB/DOGE/LINK/SOL/XRP) at 0% maker with tier-based taker, USDC pairs at 0% maker / 0.095% taker; Bitget — USDC/USDT and USDGO/USDT at 0/0 (volume does not count toward VIP); Bitpanda (v0.44) — the 0.99%/side embedded-premium band on BTC and major stablecoin pairs vs the 1.49% headline (a spread-broker pricing band, not a promo; non-promo flag); Bison (v0.45) — the 1.25%/side band on BTC/EUR and ETH/EUR vs the 1.75% headline (same non-promo spread-band pattern). A pair override can cover maker only, taker only, or both.
• makerShare (0-1, default 0) — fraction of volume executed as maker (limit orders). Weighted rate = maker × share + taker × (1-share). Limit-order traders should pass 0.7-1.
• useToken — prices in native-token discounts: BNB (25% spot / 10% futures), GT (futures maker → 0 plus 10-50% holding-tier discount with tokenBalance), MX (20% spot + futures; 500+ MX lifts the discount to 50% — the greater applies, they do not stack), BGB (20% spot + futures), KCS (20% spot Class A/B/C + futures; at VIP8+ maker is already 0% so only the taker side benefits), OKB (baked into OKX tiers), and staked HYPE on Hyperliquid (10/100/1k/10k/100k/500k staked → 5/10/15/20/30/40% off all maker+taker fees, stacking multiplicatively with the volume tier; tokenBalance must be the staked amount — holding alone gives nothing).
• Negative maker rates — OKX VIP7+ makers are negative (spot/futures, down to -0.0075%) and Kraken futures makers are negative from Tier 11 (down to -0.006% at Pro 5), i.e. exchange-paid maker rebates. They pass through referral/token discounts unchanged (a discount cannot shrink a rebate), surface as negative fee estimates, and rank ahead of paid fees.
• holdingHours (futures) — monthly position exposure in hours; funding cost at each exchange's funding rate (8h interval for most venues; Hyperliquid settles hourly — its bundled 0.00125%/1h equals the neutral 0.01%/8h CEX average). calculate_annual_cost annualizes it ×12. Every funding figure carries funding_source (bundled or live) plus funding_rate_ts / funding_pair when live data was used.
• fundingMode + fundingPair (optional, v0.15) — funding inputs for calculate_savings, compare_total_cost, recommend_exchange and calculate_annual_cost. fundingMode: "bundled" (default) uses the offline long-run average (0.01%/8h for BTC/USDT — instant and deterministic). fundingMode: "live" fetches the venue's current funding rate in real time via ccxt for fundingPair (default BTC/USDT; accepts ETH/USDT, SOL-USDT, BTCUSD …). Each exchange is fetched independently with an 8s timeout; any venue that fails (timeout, geo-block, missing pair) transparently falls back to its bundled average and is listed in failures for the dedicated tool. Results are TTL-cached in memory for 5 minutes (funding only settles every few hours). Negative live rates pass through untouched — longs then get paid. The standalone get_funding_rates tool accepts fundingMode, fundingPair, optional exchanges: [...], and optional country filtering.
• tradeSizeUsd + spreadMode + spreadPair + side (v0.16) — execution-cost inputs for calculate_savings, compare_total_cost, recommend_exchange and calculate_annual_cost. When tradeSizeUsd (a single marketable order size, e.g. 10000) is passed, every cost result adds the one-way bid-ask crossing cost (half the typical full spread) for that order, tagged with spread_source. spreadMode: "bundled" (default) prices it from offline venue baselines scaled by pair class — majors (BTC/ETH) ×1.0, large caps (SOL/XRP/DOGE … 27 names) ×1.5, other alts ×3 — with zero modeled slippage. spreadMode: "live" fetches each venue's real top-100 order book via ccxt, resolves the correct spot or linear-swap market automatically (KuCoin spot uses the kucoin class, not kucoinfutures), and VWAP-walks the depth for side: "buy" | "sell" to measure size-conditional slippage beyond the best touch, plus levels_consumed, available_depth_usd and fully_filled. Per-venue failures (timeout, geo-block, missing market) fall back to the bundled baseline and are listed in failures; when visible depth is smaller than the order the measured value is kept with a warnings en