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The $5,000 monthly fee is for whom?

The US$ 5,000 monthly recurring fee is the fee charged by the financial institution that would be sponsoring you for your crypto project. This is a fee that is paid to them, regardless of the amount of business you conduct through them. The fee is tied to a contract term that is defined by the solution provider.

Typically, it would be a 12-month contract (at the very minimum), however, most will try to get a 3-year contract out of you. This all depends on which solution provider will eventually take your case.

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