Simple, Transparent Pricing
Halo Protocol is free to use. We believe financial access should not come with a price tag. The only costs are the minimal fees inherent to blockchain transactions.
$0
per month, forever
Transaction Costs
The only costs are network gas fees and a small protocol fee on payouts. Both are minimal and fully transparent.
STX Gas Fees
Every on-chain transaction (contributions, payouts, credit score updates) requires a small gas fee paid in STX to Stacks miners.
Protocol Fee
A 1% fee is applied to circle payouts to sustain protocol development and maintenance. This fee is deducted automatically by the smart contract.
Halo vs. Traditional Credit Building
See how Halo Protocol compares to the expensive, slow, and opaque traditional credit system.
Traditional Credit Building
- Monthly fees
$5-25/month for credit builder accounts
- Interest charges
15-25% APR on secured credit cards
- Security deposits
$200-500 required upfront for secured cards
- Slow progress
6-12 months to establish any credit history
- Opaque scoring
Black-box algorithms controlled by 3 bureaus
- Not portable
Credit scores do not transfer across countries
Halo Protocol
- No sign-up fees
Create your account for free
- No monthly fees
Use the protocol as long as you want at no cost
- No deposit required
Start with any contribution amount from 10 STX
- Fast credit building
Score starts increasing after your first on-time payment
- Transparent scoring
Algorithm is open-source, score is stored on-chain
- Globally portable
Your score lives on the blockchain -- accessible from anywhere
All fees are transparent and enforced by open-source smart contracts. There are no hidden charges, subscription fees, or surprise costs. The 1% protocol fee is the only revenue mechanism and is clearly visible in the contract source code.