Reference
Account tiers & trustScore
How tier graduation works, what unlocks at each level, and how the trustScore (0–1000) is computed.
Every merchant lives in one of three tiers: starter, standard, premium. The tier drives rate limits, per-shop method allow-lists, and the rolling-reserve percentage on settlements. New merchants land in starter; the tier graduates automatically once volume + chargeback metrics + activity-age cross thresholds, or on explicit request to support.
Tier comparison
| Tier | Rate limit (/min) | Rolling reserve | Settlement cadence | Cross-currency wallets |
|---|---|---|---|---|
| starter | 120 req/min per merchant | 5% | T+2 business days | USDT only |
| standard | 600 req/min | 3% | T+1 / T+0 (instant for low-risk) | USDT, USDC, ETH, BTC |
| premium | 3000 req/min · IP allowlist available | 0–1% (negotiated) | T+0 instant settlement | USDT, USDC, ETH, BTC, SOL, MATIC, fiat wires |
trustScore (0–1000)
The trustScore field on GET /me is a 0–1000 integer computed daily from:
- Volume base (up to 400 pts): aggregated USD volume in the last 90 days, log-scaled.
- Chargeback rate (up to 250 pts): chargeback ratio under 0.5% = full credit; over 1.5% = 0.
- Activity age (up to 150 pts): days since first completed transaction, capped at 365.
- Refund rate (up to 100 pts): refund ratio under 2% = full credit.
- KYB completeness (up to 100 pts): all required documents on file = full credit.
New merchants start at
400 (the KYB completeness bonus on its own). Most active merchants stabilize between 600–800 after 90 days. Anything below 200 triggers internal review.How to upgrade
- Auto starter → standard: 30+ days active, volume ≥ $25k/mo, chargeback rate < 0.8%, trustScore ≥ 550.
- Auto standard → premium: 90+ days active, volume ≥ $250k/mo, chargeback rate < 0.3%, trustScore ≥ 750.
- Manual upgrade: email support with your account id and target tier. We review weekly; expect a decision in 3–5 business days.