Complete Fee Structure and Rate Schedule for Synclear

Synclear applies a structured fee model across its credit, savings, and protocol operations. Fees are designed to be transparent, predictable, and proportionate to the value of services rendered. All protocol-layer fees are collected on-chain and are visible in transaction data. Where fee rates are configurable by pool or vault operators, the ranges documented here represent protocol-level defaults and caps. Understanding the full cost structure before deploying capital or opening a credit line is essential. The table below covers every fee type present in the current protocol version.

Fee rates listed in this document reflect protocol-level defaults and current configurations at the time of publication. Rates for specific credit pools, savings vaults, and yield strategies may differ based on operator settings within protocol-permitted ranges. Always verify the current fee schedule for a specific product in the Synclear app before committing capital. Fees are subject to change via governance.

Fee Schedule

Fee Type	Rate	Applies To	Notes
Origination Fee	0.50% – 1.50% of principal	New credit line drawdowns	Charged at drawdown; deducted from disbursed principal. Rate set per credit pool by pool operator within protocol range.
Protocol Borrowing Fee	0.10% annualized	Outstanding loan balance	Accrues continuously on all active credit positions; collected on repayment or liquidation. Separate from the borrower’s stated interest rate.
Interest Rate (Borrower)	Variable; pool-defined	Outstanding loan balance	Set by credit pool terms. Ranges from fixed rates for over-collateralized pools to variable rates for institutional mandate pools. Not a Synclear protocol fee; paid to lenders.
Management Fee	0.25% – 1.00% per annum	Assets under management in savings vaults	Accrues on vault AUM; charged to vault depositors. Rate set by vault operator within protocol cap of 1.00% p.a.
Performance Fee	5% – 20% of yield above hurdle rate	Savings vault and yield strategy returns	Charged only on returns above the vault’s stated hurdle rate. Rate and hurdle rate are set at vault creation and immutable post-deployment.
Protocol Revenue Share	10% of protocol fees collected	All fee streams above	A portion of origination, borrowing, and management fees is directed to the Synclear protocol treasury via on-chain fee splitting.
Withdrawal Fee	0% – 0.25%	Savings vault withdrawals	Applies in specific vault configurations to discourage short-term capital cycling. Many vaults have a 0% withdrawal fee; verify per vault.
Liquidation Penalty	5% – 10% of liquidated collateral	Collateral liquidation events	Charged to the borrower on liquidation. A portion (typically 50%) is distributed to the liquidator as incentive; the remainder goes to the credit pool.
Gas / Network Fees	Variable; network-determined	All on-chain transactions	Paid directly to network validators; not collected by Synclear. Gas costs vary by network (Mainnet vs. Base vs. Arbitrum) and network congestion.
KYB Onboarding Fee	Fixed; see app	Institutional onboarding	A one-time fee covering identity verification and compliance review costs. Amount varies by onboarding tier and jurisdiction.

Fee Collection Mechanics

All Synclear protocol fees are collected automatically by smart contracts at the point of the triggering event (drawdown, repayment, vault deposit/withdrawal, liquidation). There are no manual invoicing or off-chain payment requirements for standard protocol fees. Fee parameters for each credit pool and vault are set at deployment and are readable on-chain. Synclear’s fee configuration for any product can be verified by calling the relevant factory or pool contract directly.

Fee Changes and Governance

Protocol-level fee caps and the protocol revenue share rate are governed by Synclear’s on-chain governance process. Changes require a governance proposal and voting period before taking effect. Pool and vault operators can adjust their operator-set fees within protocol caps without a governance vote, but changes are logged on-chain with a time delay to protect existing participants.

Introduction

Resources

Complete Fee Structure and Rate Schedule for Synclear

Fee Schedule

Fee Collection Mechanics

Fee Changes and Governance

​Fee Schedule

​Fee Collection Mechanics

​Fee Changes and Governance

Fee Schedule

Fee Collection Mechanics

Fee Changes and Governance