Overview
The two fee modes, org_funded and customer_funded. How each mode shapes the rate the end customer sees and how your organization settles.
This section covers the fee model BlendFi applies on any operation, onramp or offramp. Your organization is configured by BlendFi's team into one of two modes. The mode determines who pays the fee: the organization or the end customer. It is set during commercial onboarding and only changes through renegotiation.
Quick comparison
org_funded | customer_funded | |
|---|---|---|
| Who pays the fee | The organization | The end customer |
| Rate the end customer sees | Mid-price (no spread) | Mid-price with spread applied |
| Spread visible in the rate | 0 bps | blendfi_base_spread + org_spread |
| Commercial settlement | Org pays BlendFi off-platform | BlendFi pays the partner the partner spread share off-platform |
| Configuration fields | org_fee_bps_* | blendfi_base_spread_bps_* + org_spread_bps_* |
The configuration and percentages live on your organization's row and are snapshotted onto every conversion at accept. Future renegotiations only affect conversions created from the change forward. In-flight conversions retain the snapshot.
How your organization sees it
The fee_mode field appears on every conversion payload (visible at GET /v1/conversions/:id), with the percentages applied to that operation. Exact naming lands in the API reference once published.
Modes in detail
org_funded: the organization assumes the fee.customer_funded: the end customer pays via the rate.- Commercial settlement and internal ledger: how the net between BlendFi and the organization is settled.
Per direction
The *_offramp and *_onramp configurations are independent. The fees on the offramp and onramp operations of the same organization can differ, reflecting distinct operational costs per direction.