> For the complete documentation index, see [llms.txt](https://trading-labs.gitbook.io/aifinbotx/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://trading-labs.gitbook.io/aifinbotx/aifinbotx-whitepaper-en/revenue-model/8.2.-payment-ecosystem-revenue.md).

# 8.2. Payment Ecosystem Revenue

AIFinBotX is building a payment and settlement ecosystem.

***

### Revenue sources

* Transaction fees — charged on each on-chain payment and transfer
* Merchant payment fees — charged through the payment gateway
* Crypto card revenue, including:
* Spending fees
* ATM withdrawal fees
* Card membership fees
* FX and stablecoin conversion revenue — earned from conversion and cross-border settlement


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