# Proposal for a Fee Reduction in the Money On Chain and RIF On Chain Protocols **URL:** \ **Category:** MOC Improvement Proposals\ **Created:** [August 26, 2025, 1:25pm UTC](https://forum.moneyonchain.com/t/proposal-for-a-fee-reduction-in-the-money-on-chain-and-rif-on-chain-protocols/449 "2025-08-26T13:25:33Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![Max](https://avatars.discourse-cdn.com/v4/letter/m/e5b9ba/32.png) [@Max](https://forum.moneyonchain.com/u/Max)\ **Post date:** [August 26, 2025, 1:25pm UTC](https://forum.moneyonchain.com/t/proposal-for-a-fee-reduction-in-the-money-on-chain-and-rif-on-chain-protocols/449/1 "2025-08-26T13:25:33Z")
Dear Money On Chain and RIF On Chain Communities, As co-founder of the protocols, I would like to present a proposal to **reduce fees** on both **Money On Chain** and **RIF On Chain**. This proposal pursues two objectives: (1) **alleviate the drag** currently affecting **BPRO/RIFP** holders, and (2) **lower primary-market friction** (mint/redeem) in a context of **low demand on the stablecoin side** (DoC/USDRIF). **Fee Reduction (MoC and RIF On Chain):** - **BPRO / RIFP annual fee:** **1.00% → 0.75%** (collected weekly). - **Mint/Redeem paid with rBTC (MoC):** **0.30% → 0.25%**. - **Mint/Redeem paid with MoC (MoC):** **0.25% → 0.20%**. - **Mint/Redeem paid with RIF (RIF On Chain):** **0.25% → 0.20%**. **Rationale (short):** With **muted demand for the stablecoin leg** , the **1% annual fee** on BPRO/RIFP acts as a **headwind** that **erodes net returns** on the volatile leg, particularly in sideways phases. Cutting it by **25 bps** reduces that drag. In parallel, trimming **mint/redeem** by **5 bps** **reduces operational friction** for primary issuance/redemption on both protocols—without altering fee splits or destinations. **Scope:** This proposal **only** modifies **rates** ; it **does not** change fee splits or destinations. **Timeline & Review Intent:** **Ninety days after** this reduction, we will conduct a formal review **with the intention of reducing fees again** , subject to community approval and observed metrics. **Voting:** We invite all community members to participate in the vote on this proposal for both protocols. Your input is essential to keep improving our ecosystem. Sincerely, **Max Carjuzaa** Co-Founder of Money On Chain * * * ## Technical procedure to achieve these changes > ⚠ Warning: some technical/coding knowledge is necessary to fully understand this document. In order to make all these changes, a _Change Contract_ must be put to a vote in the governance system and after the community reaches consensus, the changes will be executed. The technical details of the _Change Contract_ can be found in [this document `(P20250826.md)`](https://github.com/money-on-chain/proposals-changers/blob/main/docs/P20250826.md) within the code github repo. ### The changer contract to vote would be: | Name | Address ¹ | | --- | --- | | `FeesAndBitprorateProposal` | [`0xEb45e0451157175f1Da5252b88aC0c903B1740D8`](https://rootstock.blockscout.com/address/0xEb45e0451157175f1Da5252b88aC0c903B1740D8?tab=contract) | ¹ The contract address links point to the verified codes in the Blockscout explorer. ---
**Author:** ![jbokser](https://yyz1.discourse-cdn.com/flex035/user_avatar/forum.moneyonchain.com/jbokser/32/228_2.png) [@jbokser](https://forum.moneyonchain.com/u/jbokser)\ **Post date:** [September 2, 2025, 2:05pm UTC](https://forum.moneyonchain.com/t/proposal-for-a-fee-reduction-in-the-money-on-chain-and-rif-on-chain-protocols/449/2 "2025-09-02T14:05:39Z")
📣 **Call to MOC holders** : [This proposal](https://forum.moneyonchain.com/t/proposal-for-a-fee-reduction-in-the-money-on-chain-and-rif-on-chain-protocols/449) is being voted on. [How to vote Tutorial](https://moneyonchain.com/blog/tutorial-how-to-vote-in-money-on-chain-governance/). Use the [new voting site](https://manage.moneyonchain.com/). 📣 **Llamado a los MOC holders** : [Esta propuesta](https://forum.moneyonchain.com/t/proposal-for-a-fee-reduction-in-the-money-on-chain-and-rif-on-chain-protocols/449) se está votando. [Tutorial de cómo votar](https://moneyonchain.com/es/blog/tutorial-votar-gobernanza-money-on-chain/). Usar el [nuevo sitio de voto](https://manage.moneyonchain.com/). ---
**Author:** ![jbokser](https://yyz1.discourse-cdn.com/flex035/user_avatar/forum.moneyonchain.com/jbokser/32/228_2.png) [@jbokser](https://forum.moneyonchain.com/u/jbokser)\ **Post date:** [September 10, 2025, 2:51pm UTC](https://forum.moneyonchain.com/t/proposal-for-a-fee-reduction-in-the-money-on-chain-and-rif-on-chain-protocols/449/3 "2025-09-10T14:51:23Z")
📣 The voting process is over: - 28.76% of the MOC tokens total supply participated in the vote. - 100% of the participants voted in favor. - No one voted against the proposal. - The change was successfully implemented. [TX ID: `0xc5748de9fba44fc2a29179ba0e795a9eada2a54c22482fcf8a967ea095a499aa`](https://rootstock.blockscout.com/tx/0xc5748de9fba44fc2a29179ba0e795a9eada2a54c22482fcf8a967ea095a499aa)