Fee Optimizer MCP

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

Twenty 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. v0.48 adds `get_fee_changes` (20th tool) — the auditable fee-schedule change feed (data moat): a curated, official-announcement-verified history of VIP rate moves, qualification-threshold changes, rung inserts/removes, promos, token-discount and pricing-model changes (each with effective date, source URL and bilingual summary), plus monthly deterministic fee-ladder snapshots in snapshots/fee_ladders/ that are diffed automatically — snapshot-derived rows carry confidence: "detected" and are NEVER presented as confirmed (a delta can be a data correction); a monthly GitHub Actions workflow captures the new snapshot and opens a review-only PR, and a human verifies against the official fee page before curating into data/fee_changes.json. The curated feed ships in the npm package; snapshots are repo-only, and npm consumers degrade gracefully (snapshot_coverage.available: false). 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. It is spot-only (a futures persona sees unsupported_product inside the EEA, blocked outside), offers free SEPA/SEPA Instant/iDEAL/Bancontact both legs in EUR only — no card rail (explicit card queries return available: false), no PayPal, no USD/GBP — and models crypto withdrawals as dynamic network fee at cost plus a flat €2.50 third-party charge: because the schema has no surcharge field, BTC is priced all-in at 0.000085 BTC (≈$6.57) with the two-part composition disclosed in the route note, while the other 400+ markets surface as unsupported. There is no referral program and no public trading API, so get_account_fee_tier is unsupported (live coverage stays 13 venues). v0.44 adds Bitpanda as the 17th venue and the model's first spread-priced brokerage (Vienna, founded 2014, 7.4M+ users; BaFin MiCA CASP authorization 2025-01-27 with EEA30 passporting + Austrian FMA license + UK FCA-registered Bitpanda Broker UK entity): the consumer app quotes an all-in price with the fee embedded as a markup and zero separate commission — a new pricing_model: "spread"