Fee disclosure in crypto has a bad reputation, and mostly it is deserved. Plenty of services quote a headline rate, then subtract a trading fee, a spread, a withdrawal fee and a network fee along the way, so the amount that lands in your wallet has very little to do with the number you first saw.
MoinCash shows one percentage on the quote. This article explains exactly what that percentage covers, what it does not cover, and how to use it to compare offers honestly.
One number, two parts
The total fee shown on your quote is a single percentage that covers everything MoinCash charges for this exchange. You do not need to care which part is which, because you never pay them separately. They are bundled, displayed as one figure, and already reflected in the amount shown as what you will receive.
That last point is the one people miss. The receive amount on the quote is not a gross figure waiting to be trimmed. It is the post-fee number. If the quote says you will receive a certain amount of USDT, that is the amount the exchange is aiming to deliver to your address.
The fee you pay separately: network gas
There is one cost the quote cannot include, and that is the network fee, often called gas, that your own wallet pays when it broadcasts your deposit transaction. That fee goes to the blockchain validators or miners, not to MoinCash, and it is charged by your wallet at the moment you press send. It depends entirely on the network you chose and how busy it is at that second.
This matters in two practical ways. First, you need enough of the native coin to pay it: ETH on Ethereum, BNB on BNB Smart Chain, SOL on Solana, TRX on TRON, MATIC on Polygon. Holding USDT on a chain is not enough on its own. Second, the gas fee must be paid on top of the deposit amount, never deducted from it. If your wallet offers to send the maximum balance minus the fee, the deposit will arrive short of the order amount, and the order will then be handled under the late or short deposit rules displayed on the order page.
What you see is what you get
Put the two together and the model is easy to hold in your head:
- Quote percentage: the total fee for this exchange, already applied to your receive amount.
- Network fee: paid by you, to the blockchain, in the native coin, on top of the deposit.
- Nothing else is deducted on arrival.
There is no separate withdrawal fee waiting at the end, because the payout to your receiving address is part of the exchange, not a second product.
How to compare two offers honestly
If you are shopping around, compare the number that actually reaches your wallet, not the advertised rate. A useful routine:
- Enter the same send amount on both services.
- Read the receive amount, not the rate, and check whether it is before or after fees.
- Check whether the rate is fixed or floating, because a floating quote will usually look higher and is not a like-for-like comparison with a locked one.
- Add your own network fee for the deposit, which is identical whichever service you use if you send on the same network.
- Check whether the service charges anything for the payout. If it does, subtract that too.
Comparing a floating quote on one site against a fixed quote on another is the most common way people mislead themselves. A locked price is worth something, and the extra percentage on a fixed quote is what covers the risk of holding that price during the countdown.
Why fixed rates carry a higher percentage
Briefly, because a fixed rate promises a number for a set window, and that promise has to survive whatever the market does during it. Floating rates price the exchange when your deposit confirms, so they carry no such exposure and the percentage is lower. Both are shown before you create an order, so the choice is yours to make with full information.
Why every route has a minimum and a maximum
Limits are not an attempt to push you into bigger trades. They exist because both ends of an exchange settle on a blockchain and blockchains charge for that. Below a certain size, the fixed on-chain costs of paying you out would eat an unreasonable share of a small swap, so a minimum protects you from a trade that no longer makes sense. Maximums reflect the liquidity available on that specific route at that moment. Both are shown on the page for the pair you selected, and both are enforced before an order is created, so you will never discover a limit after you have already sent funds.
A note on small swaps
With small amounts, the percentage is rarely what hurts. The network fee does. Sending forty dollars of USDT over Ethereum during a busy hour can cost a meaningful share of the trade in gas alone, while the same swap over TRON or Polygon costs a fraction of that. Choosing the network is usually a bigger lever on total cost than shaving a tenth of a percent off the exchange fee.
The summary
One percentage covers the whole service fee, and it is already in your receive amount. You pay network gas to the blockchain yourself. Limits exist so that both of those numbers stay sensible. If a quote ever seems inconsistent with what arrived, send the order reference and both transaction hashes to support@moin.cash and it can be traced on-chain.