How money moves on Raeto.
Credits, every fee and threshold, rCREDIT, vaults and withdrawals, in one place. Other pages link here, so this is the page that's kept up to date. Fees shown here are read from the live service.
$1 of credit is $1 of AI.
Your Raeto balance is held in credits. A credit pays for $1 of AI on Raeto: the model's own price plus Raeto's fee of 8% (lower for partners). The same balance pays for routing decisions and Raeto Pay. Credits never expire.
So a credit is worth $1 when you spend it on AI, and $0.98 if you turn it back into dollars.
Every fee and limit.
| What | Amount | Details |
|---|---|---|
| Model calls | model price + 8% | Raeto's fee on the model's own price. Partners pay less (4% by default). |
| Routing decision | $0.0002 | When Raeto picks the model and you call it with your own provider key. Paid from your balance; partners pay $0.0001 or a custom price. A routing key can't move or withdraw funds. |
| Raeto Pay | 1% | Of each payment between agents and APIs. 0.5% for partners. |
| Card top-up | 2.9% + $0.30 | Charged by the card processor. $5 to $1,000 per top-up. |
| USDG top-up | no fee | Only network gas. Arrives in about a minute. |
| Move credits out as rCREDIT | no fee | At least $1; up to $100 per account and $300 across Raeto per day. |
| rCREDIT → USDG | 2% | Fixed in the rCREDIT contract. |
| rCREDIT → Raeto balance | no fee | 1 rCREDIT becomes $1 of credit. |
| Swap rebate | 0.05% | Of a swap's USDG volume, paid as rCREDIT. Only on swaps of at least $25, and paid out once your rebates reach $0.50. See swap rebates. |
| Vault deposits | no Raeto fee | Interest becomes AI credits. |
Five ways in.
- USDG sent from your wallet on Robinhood Chain. Credited in about a minute.
- Card, Apple Pay or Google Pay, $5 to $1,000 at a time.
- Vault interest: deposit USDG or stock tokens and the interest becomes credits.
- rCREDIT: redeem it into any Raeto account, yours or an agent's.
- Swap rebates on supported pools, paid as rCREDIT.
Credits you can hold.
rCREDIT is AI credit as a token. Each one is minted only against 1 USDG locked in the rCREDIT contract.
- Move out: turn credits into rCREDIT in your wallet. Credits you earned, bought with USDG or redeemed from rCREDIT can be moved out; credits bought with a card can't, because card payments can be reversed. Raeto can pause moving out (for example during an incident), and daily limits apply.
- Use it: redeem rCREDIT into any Raeto account, 1 for $1 of credit, no fee.
- Cash out: redeem rCREDIT for USDG straight from the contract, minus the fixed 2% fee.
Your deposit earns your AI.
The dollar vault lends USDG on Morpho. The interest becomes AI credits in your account. 100% of your deposit stays yours: there's no lockup and no notice period, and nothing in the contracts can block a withdrawal. Rates move with demand and aren't guaranteed.
Keep your stock. Earn on it.
You keep your stock token. The vault borrows USDG worth about 30% of its value and lends that USDG out. The gap between what the USDG earns and what the loan costs becomes your credits.
- When the loan costs as much as or more than the USDG earns, the gap is zero and you earn nothing for that period. Our calculators show $0 then, never a positive number.
- The vault repays early if the stock falls. A very fast crash of roughly 50% or more could still let Morpho sell part of the shares to repay the loan. See Risks.
- Your stock's price still moves; lending doesn't protect you from the market.
Take it out any time.
- Deposits can be paused; withdrawals can't. Nothing in the contracts can block a withdrawal.
- Dollar vault: if most of the vault's USDG is lent out at that moment, a large withdrawal may have to wait until borrowers repay.
- Stock vaults: withdrawing repays your share of the vault's loan. If the loan has grown, the app asks you to add the small USDG difference in the same step; any USDG not needed stays in your wallet.
- Stock tokens: the token issuer can pause transfers; while it does, withdrawals of that stock wait until it resumes.
Trade, get rCREDIT back.
On supported Uniswap pools, a swap made while you're signed in to Raeto earns a rebate of 0.05% of its USDG volume, paid as rCREDIT. The pool's own contract sets two limits: swaps under $25 (USDG side) earn no rebate, and rebates are paid to your wallet once they add up to $0.50.