Pricing Policy, Fees and Commissions of AhoraCrypto

In compliance with Regulation (EU) 2023/1114 (MiCA) and our principles of transparency, fairness, and non-discrimination, at AHORACRYPTO, S.L. we make our pricing and commission policy available to the public in a clear and accessible manner.

Below, we detail the methodology used to determine the price of crypto-assets and the breakdown of costs associated with your operations.

1. Price Determination Methodology

To ensure the best possible result for the client, our pricing system follows the following procedure:

• Selection of the Best Market Price: We have direct connections to multiple price sources and liquidity providers. Our system compares their quotes in real-time and automatically selects the lowest price reference available at that moment.

• Application of Volatility Spread: A technical margin (spread) is added to the selected base market price to cover the risk of volatility during the time between the quotation and the execution of the order.

• Final Price (Rate): The resulting price is the one shown to the user. This price includes the previous factors and is firm during the validity period of the offer on the screen.

The final price will always be displayed visibly before the user confirms the exchange or purchase order.

2. Breakdown of Fees and Commissions

In accordance with our commercial policy, fees are applied on a non-discriminatory basis to all clients. The total cost of an operation consists of three distinct elements that can be observed before payment:

A. AhoraCrypto Service Fee This is the fee applied by the CASP for the provision of the exchange service and the use of the platform.

• Fee: 0.99% of the total transaction amount.

B. Third-Party Fees (Payment Processing) These are commissions applied by external payment processing entities (Payment Gateways, Card Entities, Banks) to facilitate the deposit of fiat funds.

• Applicability: Payments via Card, Google Pay, Apple Pay, or Bank Transfers.

• Visibility: These commissions are charged by third parties but will be shown itemized in the operation summary before execution.

C. Network Fee This is the cost necessary to execute the transaction on the corresponding blockchain.

• Nature: This fee is not revenue for AhoraCrypto; it is paid to validators or miners of the network to secure the transaction.

• Calculation: It varies depending on network congestion and the selected crypto-asset.

• Transfer Service: The transfer service itself by AhoraCrypto is free; the user only assumes the network cost necessary for execution on the blockchain.

3. Operational Limits

In compliance with anti-money laundering and counter-terrorist financing regulations, and in accordance with our Procedures Manual:

• Maximum Limit: There is an operational limit on the platform of 5,000 EUR per operation.

• Additional Restrictions: The CASP reserves the right to apply additional limits if suspicious behavior or security risks are detected.

4. Consent and Execution

Before executing any operation, the client will receive a binding summary on the screen that will include:

1. The unit price of the crypto-asset.

2. The breakdown of the service fee (0.99%).

3. Estimated third-party costs and network fees.

4. The total amount to pay and the net amount of crypto-assets to receive.

Acceptance of this summary implies agreement with the economic conditions of the operation.

This information is provided in compliance with Articles 66.4 and 66.2 of the MiCA Regulation regarding transparency in pricing and cost policy.

Last updated: 1/11/2025