feemcp

# Fee Optimizer MCP

An MCP (Model Context Protocol) server that helps AI agents answer questions about crypto exchange trading fees, fetch referral links for fee discounts, calculate savings, compare total cost (fees + funding + spread/slippage + withdrawal), annualize the all-in yearly cost with VIP upgrade savings, inspect funding rates (bundled averages or real-time live rates), measure order-book execution cost (bid-ask spread crossing + size-conditional depth slippage, bundled baselines or live book walks), compare direct fiat on/off-ramp costs (card / ACH / SEPA / FPS / wire / SWIFT / PIX deposits and withdrawals across venues, currencies and countries of residence), compare on-chain withdrawal fees per asset and network across venues (16 assets × TRC-20/ERC-20/L2/native routes with suspended-wallet flags and snapshot-price USD conversion), and run a research-anchored trader-persona analysis that annualizes the full cost stack (fees + funding + spread + withdrawals + fiat on/off-ramping) for seven trader archetypes and recommends the best exchange for a user's profile.

When a user asks *"which crypto exchange has the lowest fees for a limit-order trader?"*, *"give me a Gate.io discount registration link"*, *"how much can I save on 100k USDT futures held for 16 hours?"*, or *"where does this fee data come from?"*, the agent can call this server's tools to return concrete, sourced answers — including a referral link the user can register with to receive a fee discount.

## Features

Nineteen read-only tools. Runs over **stdio or stateless Streamable HTTP** (v0.29: per-request isolated servers, JSON responses, `/health` probe — ready for remote/container hosting; v0.32 adds public-hosting hardening: opt-in bearer-token auth, per-IP rate limiting, structured JSON access logs and a production Dockerfile). All fee-bearing tools require a country code for compliance filtering. Every result carries a `data_as_of` stamp, and `get_data_sources` reports per-file `months_behind`/`is_stale` plus `stale_files` (v0.33), enforced by an offline `npm run audit:data` consistency gate. **v0.34 adds `volume_what_if`** — a volume what-if/sensitivity sweep: cross-venue cheapest ranking and per-venue fee/cost curves across monthly-volume levels (default points = the union of every venue's VIP thresholds), the exact tier-crossing list, and with `baseVolume` each venue's next rung, extra volume required and USD/year saved at today's volume (holding-gated rungs like Binance spot's BNB requirement flagged `blocked_by_holding_gate`). **v0.35 adds `compare_countries`** — one trader persona priced through the full annual all-in stack across up to 12 countries in a single call: per-country winner and realistic all-legs pick, the extra annual cost vs the cheapest country on a *comparable* basis (a rail-less headline winner cannot fake a country), a venue×country availability matrix that distinguishes compliance-blocked from product-unsupported (spot-only Coinbase for a futures trader), venue win counts and the cheapest/costliest gap. **v0.36 adds ready-to-paste matrix tables** — `compare_personas`, `volume_what_if` and `compare_countries` accept `format: "markdown" | "csv" | "both"` and return a `rendered` object alongside the unchanged JSON (`tableMetric` selects the slice: weighted fee / annual fee / tier for the sweep, availability symbols / cost for countries); markdown tables escape pipes and CSV follows RFC 4180 (quoted commas/quotes/newlines, CRLF) for direct paste into docs or spreadsheets; default calls stay byte-identical. **v0.37 adds BloFin as the 13th venue** — a derivatives-led Cayman/Marshall-Islands exchange (~$1.2B/24h perp volume, no KYC up to 20k USDT/day withdrawals): 6-tier spot/futures ladders (futures 0.020%/0.060% base → 0%/0.035%, spot 0.10%/0.10% → 0.01%/0.0325%), three-track OR qualification (30d futures volume / 30d spot volume / account assets — just $50k assets reaches futures VIP1), 8h funding, ~3 bps typical perp spread, TRC-20 withdrawals at ~1 USDT/USDC, no native token, no referral link, no direct fiat rails, and blocked in US/CA/CN/SG plus the EEA under MiCA (Germany explicitly modeled). **v0.38 adds Bitstamp as the 14th venue** — the most regulated venue in the model (founded 2011, Luxembourg, Robinhood-owned; EU MiCA CASP passport, NYDFS BitLicense, UK FCA, SG MAS): an 11-tier volume-only spot ladder (0.30%/0.40% entry → 0.00%/0.03% above $1B 30d turnover) plus regulated USD-margined perps at a flat **−0.005% maker rebate / 0.015% taker** with 8h peer-to-peer funding — the perps are EU/EEA-eligible-residents only, modeled with a venue×country **product gate** (v0.40: a positive EEA region allowlist — all 30 EEA states route both products, every other residency including AU/BR/CH gets futures `PRODUCT_BLOCKED_IN_COUNTRY` while spot stays open; CN is venue-blocked), deep direct fiat rails (free ACH both ways, free SEPA in / €3 out, 0.05%/0.1% SWIFT with floors/cap, ~4% card) and conservative ERC-20-heavy withdrawals (USDT ~20 ERC-20 only — the most expensive USDT route modeled). Funding math defaults to bundled long-run averages and can switch to real-time live rates via `fundingMode: "live"`. Execution cost (spread + slippage) defaults to bundled typical-spread baselines and can switch to real-time order-book walks via `spreadMode: "live"`. **v0.39 adds `get_account_fee_tier`** — the leap from the public fee schedule to the caller's *actual* account rate: pass a **read-only** API key (Hyperliquid needs only the public 0x wallet address; OKX/KuCoin-Futures take an API passphrase) and the tool calls the venue's authenticated fee endpoint via ccxt, returns the real maker/taker in percent and the signed gap in bps vs the bundled public VIP tier at the given monthly volume (captures server-side BNB deductions, the venue's own rolling-30d VIP window, negotiated/promo rates; 13/18 venues supported — Phemex/BloFin, Finst, Bitpanda and BISON (no public trading API / ccxt connector), plus the spot-only venues' perps (Bitstamp, Bitvavo), return a typed unsupported error). Credentials are per-request only, never cached, never written to logs (audit lines redact `apiKey`/`secret`/`password`; error strings scrub credential literals), and country/product compliance gates run before any authenticated call. **v0.40 adds positive region allowlists** (`regions` + `product_region_gates` in `country_restrictions.json`) replacing the v0.38 negative-list default key: Bitstamp perps now require membership of the declared **EEA** region (all 30 states — EU27 + Iceland/Liechtenstein/Norway), so unmodeled non-EEA residencies such as AU/BR/CH/TR/KR are correctly `PRODUCT_BLOCKED_IN_COUNTRY` instead of being silently over-opened, while every EEA member (FR/NL/ES/IT/…) routes both products; the gate is data-driven and reusable for future region-restricted venues. **v0.41 enforces the post-cliff MiCA regime** (Article 143(3) transition ended **2026-07-01**, no extension) with negative region gates (`region_blocked` + `product_region_blocked`): for EEA residents, **Binance, MEXC, Bitget, KuCoin, BingX, Phemex and BloFin are venue-blocked for every product** (no usable CASP authorization — withdrawn/pending applications or KuCoin's active FMA commencement-of-business ban), and **Bybit/Gate perps are product-blocked** pending separate MiFID II investment-firm authorization while their spot stays open; the EEA stack is therefore OKX/Gate/Bybit/Kraken/Coinbase/Bitstamp for spot and only **OKX (X-Perps), Kraken and Bitstamp** for perps, plus non-custodial Hyperliquid (no frontend geo-block — retained with an explicit gray-zone risk caveat). Negative gates narrow EEA results only; non-EEA markets (US/GB/AU/BR/JP/…) are byte-identical to before, including countries routed through the open default key. **v0.42 adds Bitvavo as the 15th venue** — the largest home-grown euro spot exchange (Amsterdam, founded 2018, ~4M+ users, roughly half of global EUR-denominated spot volume; AFM MiCA CASP registration #41000010 with EEA passporting) — and a new **venue-level positive service-area gate** (`region_allowed` in `country_restrictions.json`): Bitvavo serves only the 30 EEA states, so every other residency (US/GB/CH/JP/SG/AU/BR/CN/… including default-key countries) gets the venue filtered (`COUNTRY_BLOCKED` semantics), while a whitelist hit authorizes the venue even where a stale per-country `allowed` enum disagrees. Bitvavo is **spot-only**: a nine-rung single-track 30-day EUR-volume PRO ladder (0.15%/0.25% entry → 0.00%/0.02% above €25M; no token, no assets track; the Basic consumer UI's embedded spread is not modeled), the tightest EU EUR-book spread in the model at **1.0 bps** full / 0.5 bps crossing (Kaiko 2026-05 measured 0.981 bps — best of any European venue), **free SEPA/SEPA Instant both legs** in EUR (iDEAL/Bancontact ride SEPA; €25k/day cash-out cap) plus a ~1% EU card deposit with no card cash-out, and a dynamic **BTC-only** on-chain withdrawal modeled at 0.00005 BTC (no Lightning; USDT/USDC/ETH/alts surface as unsupported). The EEA spot stack grows to 8 venues; the futures stack is unchanged (Bitvavo lands in `unsupported_product` for a futures persona). The separate Bitvavo UK and Swiss entities are deliberately not modeled, so GB/CH stay outside the whitelist. **v0.43 adds Finst as the 16th venue** — the model's first *brokerage* rather than an order-book exchange (Amsterdam, founded 2022 by an ex-DEGIRO team; AFM MiCA CASP #41000015 granted 2025-07 with EEA passporting, ~30 countries / 110k+ users): a smart-order router (SOR) that aggregates external liquidity and charges a **flat 0.15%** on every buy/sell/swap/auto-invest — no maker/taker split, no volume tiers, no minimum, no spread markup (modeled as a single volume-independent ladder rung plus a 1.0/0.5 bps cohort spread proxy). The same venue-level `region_allowed: ["EEA"]` gate applies, bringing the **EEA spot stack to 9 venues**; Finst vanishes from every non-EEA result.