INSTITUTIONAL PRICING

Pricing built for institutions,
not individuals.

Flat, predictable subscription tiers for central banks, commercial banks, governments and financial service providers — priced in USD, with 20% off every annual plan. No smart-contract gas fees. No surprise percentage cuts.

FLAT MONTHLY PRICING 20% OFF ANNUAL FREE DEVELOPER SANDBOX
Merchants & Businesses FSPs & MFIs Commercial Banks Governments & Central Banks
WHY THIS LOOKS DIFFERENT

Priced like infrastructure.
Not skimmed like a transaction.

Legacy rails charge a percentage of every transaction that flows through them. Shamwari charges a flat fee for the capacity you need — so your costs don't scale with your success.

8–12%
Average cross-border remittance corridor cost
1.0–1.5%
Typical interbank RTGS transfer fee
<0.5%
Shamwari blended B2B effective rate
Fixed
Monthly OpEx, not a cut of your volume
EVERY TIER INCLUDES

The moat isn't a line item.
It's the whole platform.

Post-quantum security and full sovereignty aren't premium add-ons. Every tier, from Merchant Basic to Bank Sovereign Partner, gets the same protocol-level guarantees.

Post-quantum security
ML-KEM and ML-DSA encryption and signatures on every account and transaction, at every tier — never an add-on you have to pay up for.
Full sovereignty
Your jurisdiction chain, your regulator's authority, your rules, enforced at the protocol level — never a shared ledger you don't control.
Free sandbox access
Build and test against the full protocol on our public testnet before you commit to a paid tier, or ever speak to sales.
No gas fees, ever
Every fee is disclosed upfront in your subscription. Nothing is bid away in a public mempool or spikes because the network is busy.
A guaranteed support SLA
Every tier carries a response-time commitment, from 24 hours on entry tiers down to 1 hour at the sovereign level.
HOW IT WORKS

From sandbox to signed agreement.

Every institutional engagement follows the same path. Nothing below requires a negotiation to get started.

01
Sandbox & Testnet
Explore the full protocol on our public testnet at no cost. Real transaction types, real settlement, real post-quantum signatures — no commercial agreement required to start.
02
Choose Your Tier
Pick the subscription that matches your expected volume. Every tier is a flat monthly or annual fee, and you can move up, down, or to pay-as-you-go at any time.
03
Go Live
Sign your integration agreement and move to mainnet. Sovereign and CBDC-issuance tiers get a dedicated onboarding process — talk to our team to scope it.
FOR MERCHANTS & BUSINESSES

Accept payments.
Move money. Stay compliant.

For retail businesses, SME merchants and e-commerce accepting payments and originating transfers. Exchange-offer publishing and currency minting are reserved for Business, FSP and Bank tiers.

See Merchant Use Cases & Value Prop
MERCHANT BASIC
$25/mo
Annual $240/yr — save $60
Up to 500 transfers & payments/mo ($50K cap)
50 exchange trades · 5 loan ops included
$0.10 overage · Standard SLA
MERCHANT STANDARD
$65/mo
Annual $624/yr — save $156
Up to 1,500 transfers & payments/mo ($150K cap)
150 exchange trades · 15 loan ops included
$0.08 overage · 24-hour SLA
MERCHANT GROWTH
$130/mo
Annual $1,248/yr — save $312
Up to 3,500 transfers & payments/mo ($350K cap)
350 exchange trades · 30 loan ops included
$0.07 overage · 12-hour SLA

Running a larger corporate entity? Business tiers scale to $900/mo with full exchange-offer publishing rights — talk to our team.

FOR FINANCIAL SERVICE PROVIDERS

Payment aggregators, wallets
and remittance operators.

For IPEC/RBZ-licensed Financial Service Providers. Exchange-offer publishing unlocks from Connect; currency minting unlocks at Sovereign.

See FSP & MFI Use Cases & Value Prop
FSP CONNECT
$300/mo
Annual $2,880/yr — save $720
Up to 5,000 transfers & payments/mo ($2M cap)
500 exchange trades · Exchange-offer publishing
$0.10 overage · 24-hour SLA
FSP GATEWAY
$700/mo
Annual $6,720/yr — save $1,680
Up to 15,000 transfers & payments/mo ($5M cap)
1,500 exchange trades · Totem management unlocked
$0.08 overage · 12-hour SLA
FSP PLATFORM
$1,500/mo
Annual $14,400/yr — save $3,600
Up to 50,000 transfers & payments/mo ($15M cap)
5,000 exchange trades · Full issuance suite
$0.06 overage · 4-hour SLA
FSP SOVEREIGN
$3,000/mo
Annual $28,800/yr — save $7,200
Up to 200,000 transfers & payments/mo ($50M cap)
Unlimited loan ops · Full currency-minting rights
$0.04 overage · 2-hour SLA

Running a microfinance institution instead? MFI-specific tiers start at $200/mo, built around high-volume loan processing. See full MFI pricing & use cases →

FOR COMMERCIAL BANKS

Core settlement infrastructure.
Not a bolt-on.

For RBZ-licensed commercial banks and custodians using Shamwari as settlement infrastructure. Banks act as institutional lenders on the network and are not eligible to apply for loans.

See Bank Use Cases & Value Prop
BANK COMMUNITY
$800/mo
Annual $7,680/yr — save $1,920
Up to 20,000 transfers & payments/mo ($20M cap)
5,000 loan ops · Full protocol suite
$0.08 overage · 12-hour SLA
BANK COMMERCIAL
$2,000/mo
Annual $19,200/yr — save $4,800
Up to 100,000 transfers & payments/mo ($100M cap)
25,000 loan ops · CBDC bridging included
$0.05 overage · 4-hour SLA
BANK INSTITUTIONAL
$5,000/mo
Annual $48,000/yr — save $12,000
Up to 500,000 transfers & payments/mo ($500M cap)
100,000 loan ops · Unlimited vault & savings
$0.03 overage · 2-hour SLA
BANK SOVEREIGN PARTNER BY AGREEMENT
$12,000/mo
Annual $115,200/yr — save $28,800
Up to 2,000,000 transfers & payments/mo ($2B cap)
Unlimited loan & vault ops · CBDC issuance + dedicated node
$0.02 overage · 1-hour SLA

Bank Sovereign Partner requires an executed ShamwariPay Integration Agreement — talk to our team to scope it.

FOR GOVERNMENTS & CENTRAL BANKS

Sovereign currency issuance,
on your terms.

For ministries, parastatals, municipalities and central banks. Government accounts are institutional lenders only and cannot apply for loans on the network.

See Government Use Cases & Value Prop
GOVT MUNICIPAL
$500/mo
Annual $4,800/yr — save $1,200
Up to 10,000 transfers & payments/mo ($10M cap)
1,000 exchange ops · Municipal bond tokenisation
$0.08 overage · 12-hour SLA
GOVT MINISTRY
$1,500/mo
Annual $14,400/yr — save $3,600
Up to 50,000 transfers & payments/mo ($100M cap)
5,000 exchange ops · Bond & treasury token issuance
$0.05 overage · 4-hour SLA
GOVT CENTRAL BY AGREEMENT
$8,000/mo
Annual $76,800/yr — save $19,200
Up to 5,000,000 transfers & payments/mo
Unlimited exchange & issuance ops · Sovereign CBDC issuance
Custom SLA agreement

Govt Central (CBDC) requires a signed CBDC Infrastructure Agreement — talk to our team to scope it.

GOOD TO KNOW

No subscription yet?
That's fine too.

Pay-as-you-go, if you're not ready
Every account can transact without a subscription, at simple pay-as-you-go rates with no monthly commitment. It's the easiest way to put real value through Shamwari before choosing a tier.
  • Currency transfers: 0.75% (min $0.05, max $15)
  • Merchant payments: 0.50% (min $0.05, max $10)
  • Deposits to savings: always free
  • Full retail rate card and use cases on the Individuals page
How fair-use limits work
Every subscription tier includes a fair-use allowance. Here's what happens as you approach it.
  • Limits apply to both transaction count and monthly value — whichever you reach first
  • New subscribers get a one-month grace period at 120% of their limit
  • Unused capacity doesn't roll over, but annual subscribers get 10% higher limits at no extra cost
  • Go over your limit and you're simply billed at the overage rate — never cut off without warning
TALK TO US

Ready to scope your tier?

Sovereign, CBDC-issuance and custom-volume agreements are scoped directly with our team. Every other tier, you can start on today.

Talk to Partnerships View Solutions Developer Hub