Pricing & fees.
Dial Peer is an exchange, not a reseller. We don't buy low and sell high — sellers keep their ask, buyers pay their bid, and the exchange charges a defined fee per traded minute to clear and guarantee the money. Here is exactly what you pay for, and what you never do.
An exchange fee, not a hidden spread.
On a traditional hubbing network, the intermediary buys a route at one price and sells it at another — the margin is real, but it's invisible to both sides. Dial Peer works the opposite way. The seller publishes an ask, the buyer pays it, and the exchange takes a small, stated fee on each traded minute to operate the marketplace, clear the settlement, and stand behind the credit. Both counterparties see the same price.
That single change is what makes the rest of the economics honest: there is no per-route markup to discover, no blended A-Z rate hiding a handful of expensive destinations, and no incentive for the exchange to route you anywhere other than the best-priced, best-quality path.
Four line items. All of them legible.
Exchange fee per traded minute
A small, flat fee applied to each minute that clears across the exchange — the same on both sides of the trade. It pays for the marketplace, the clearing, and the credit guarantee. It is not a margin on your rate.
Membership
Access to the exchange is tiered — Associate or Full — covering onboarding, your single interconnect, vetting, and the tools your tier includes. See the membership pages for what each level unlocks.
Payout rail cost
Settlement moves over the rail you choose — ACH, FedWire, SWIFT, SEPA, or stablecoin. Rail costs are passed through at face value; the exchange does not mark them up.
Accelerated settlement (opt-in)
Standard cadences carry no premium. Daily and other accelerated cadences are an optional facility that may carry a small service fee, confirmed during onboarding — you only pay it if you choose to be paid faster.
How a trade settles, end to end.
The figures below are an illustrative example to show the mechanics — how the exchange fee, the rail cost, and the optional accelerated-payout fee compose into a final settlement. They are not a rate quote and not a commitment.
Every number on this page is an example chosen to demonstrate how the fee structure composes — not a published rate, a quote, or a commitment. Your actual exchange fee, membership tier, rail costs, and any accelerated-cadence fee are confirmed in writing during onboarding. Route prices themselves are set by sellers and visible live in Market View.
The charges that don't exist here.
- No blended margin — the exchange never marks up your route or hides a spread inside an A-Z rate.
- No per-route or per-destination markup — sellers keep their ask in full, minus only the stated fee.
- No volume minimums or commitments — trade one minute or a hundred million.
- No charge to standard settlement cadences — you only pay extra if you opt into accelerated payouts.
- No counterparty credit risk priced into your rate — the exchange guarantees settlement.
- No setup or integration fee beyond membership — one interconnect, one onboarding.