I seem to be in the minority here, but I don’t think the current Bankr fee structure is unfair.
Right now, projects receive 57% of the 1.2% swap fee. The remaining fees are distributed to Bankr (36.1%), the @bankrbot Ecosystem (1.9%), and @dopplerprotocol (5%).
The criticism I’ve seen are about projects receiving 57% while Bankr receives 36.1%, which some builders feel is too close given they’re the ones creating and maintaining the project.
I understand that perspective, but I also think it’s important to recognize that Bankr isn’t just providing infrastructure. They’re providing distribution, discovery, launch tooling, wallets, user acquisition, and an audience. Infrastructure alone rarely creates successful launches.
That said, I do think the economics should evolve as the ecosystem matures. In fact, I think some evolution will be necessary if the platform is going to scale and continue attracting higher-quality builders over the long term.
Personally, I’d like to see something closer to a declining fee schedule over time:
Year 1: 30%
Year 2: 20%
Year 3+: 10%
That gives Bankr a strong incentive to help projects get off the ground while allowing successful projects to retain more value as they mature and incentivizing builders to stay around.
I’d also like to see Bankr eventually collapse the Bankr fee and Bankr Ecosystem fee into a single fee and handle the internal allocation themselves. From a builder’s perspective, the only thing that really matters is the total platform take rate. Simpler fee structures are easier to understand, easier to communicate, and tend to create less friction.
Bankr deserves to be compensated for the value it creates. The question isn’t whether they should earn fees, it’s how the model evolves as the platform scales and more serious builders enter the ecosystem.
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