Pricing Information

Important Note: This Policy applies only to the Conversion Service involving the purchase or sale of USDC or EURC against fiat currencies. It does not apply to conversions between other cryptoassets (fiat to crypto or crypto to crypto) or to other services on the Platform. Such transactions are governed by separate rules and policies.

1. Purpose and Scope

This Pricing Policy describes the method used by YouHodler Italy S.r.l. (“YouHodler” or “Company”) to determine the price applicable to the purchase or sale of USDC or EURC, using the Company’s own capital.
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This method applies to all purchase and sale transactions carried out by Clients and aims to ensure clarity, transparency, and fairness, in accordance with Article 77.2 of Regulation (EU) 2023/1114 (MiCA).

2. Real-time Pricing and Execution Model

When you initiate a transaction on the Platform to buy or sell EMTs (Electronic Money Tokens) such as USDC or EURC using fiat currencies, you will see an exchange rate updated in real time.

This rate reflects current market conditions and is sourced directly from major cryptoasset exchanges, which act as our Liquidity Providers, securely integrated via API.

The prices shown correspond to real, executable market values at the time you place your order.
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The displayed rate indicates the conversion value between one unit of fiat currency and the corresponding amount of cryptoasset or EMT.
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The system always displays the best rate available at the time of your request.
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To ensure fairness and neutrality, YouHodler applies exactly the same rate received from the Liquidity
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Provider when executing the transaction with its own capital.
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The Company does not intervene manually, does not manipulate prices, nor does it apply variations based on the Customer’s profile.
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Note: The amount you can convert is subject to limits determined by your financial profile, assessed during onboarding and the KYC process. These limits are calibrated to align with the information provided regarding your financial background, the source of funds, and the intended use of the Platform.

You can request a review of your limits by providing updated information in the account verification section.

3. Fees and Costs

Any fees or costs applied to your transaction are:

• calculated and displayed separately from the exchange rate;
• displayed in real time as you set the transaction parameters (asset pair, amount, direction);
• charged only at the time of execution and deducted directly from the incoming amount of the conversion.
• The total transaction amount, including fees, is always displayed before confirmation.

For your convenience, a complete and up-to-date list of fees and limits is available here: YouHodler Commissions and Limits.

4. Price Confirmation and Slippage Protection

To protect you from price fluctuations due to market volatility (known as “slippage”), the system activates a brief confirmation window, usually lasting a few seconds.

During this interval, the exchange rate remains locked and valid, allowing you to review and confirm the details with full transparency.

If you do not confirm within the allotted time, the rate automatically expires, and if you wish to try again, a new rate updated to the latest market conditions will be displayed.
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This mechanism ensures that you execute the transaction at the clearly indicated and accepted rate, minimizing the impact of sudden fluctuations.

5. Execution and Transparency

Once the transaction is confirmed by the Client, it is executed automatically and immediately at the agreed-upon rate.
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Execution is final and irrevocable; a timestamped confirmation is generated immediately and can be viewed on the Platform.
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The entire process is managed by the Company’s automated execution engine, which ensures there is no manual intervention, no discretionary pricing, and no possibility of modification at any stage.
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You can verify the confirmed exchange rate, the fees applied, and the final net amount both on the confirmation screen and in your account history.

6. Fairness and Pricing Without Conflicts of Interest

YouHodler’s pricing system is designed to ensure non-discriminatory access and equal treatment for all Clients.

All users see the same real-time market rate, regardless of account type, trading volume, financial profile, or status.

Prices come directly from independent and reliable third-party liquidity providers; transactions are executed without internal markups, manipulation, or preferential pricing practices.

This transparent and neutral approach eliminates potential conflicts of interest, ensures that Clients trade at clear and accepted rates, and fully complies with the best execution obligations under MiCA.

7. Review and Updates to the Disclosure

YouHodler periodically reviews its pricing methodology and agreements with Liquidity Providers to ensure ongoing compliance with regulatory standards and market best practices.

Clients will be notified in advance of any material changes to the presentation of prices or the fee structure.

For questions about this Disclosure or how pricing works, contact the Support Team via the Platform or at support@youhodl