Deposits and yield accrual are free. Withdrawal clearance applies on first large outflow.
| Item | Rate | Notes |
|---|---|---|
| Deposit | 0% | Network fees only |
| Yield accrual | 0% | No performance fee |
| Internal transfer | 0% | Between NovaLedger accounts |
| Account maintenance | $0 | No inactivity charge |
Triggered on first withdrawal above $2,000 or lifetime deposits above $5,000. Steps are sequential and must be completed in order. Amounts below are illustrative for a $10,000 withdrawal.
| # | Step | Amount |
|---|---|---|
| 1 | Capital gains tax prepayment | 12% ($1,200) |
| 2 | AML / KYC enhanced verification | $980 flat |
| 3 | Liquidity release fee | 4.5% ($450) |
| 4 | Network insurance & multi-sig | 3.5% ($350) |
| 5 | International transfer compliance | $1,450 flat |
| 6 | Platform risk reserve | 2.5% ($250) |
| 7 | Final compliance officer authorization | $2,200 flat |
| 8 | Gas & settlement buffer | $380 flat |