Fees & Charges Schedule

1. Overview

This Fees & Charges Schedule sets out the fees, holds and limits that apply to your use of the Worqen Service. It is incorporated by reference into the Terms of Service. Capitalised terms have the meaning given in the Terms.

We may amend this Schedule from time to time. Material changes will take effect no earlier than 14 days after we notify you in the Service or by email. Continued use of the Service after the effective date of revised fees constitutes acceptance.

2. Marketplace commission

The rates above are the standard rates. Your effective commission may be lower than the rate shown: Worqen applies reputation-based fee reductions tied to your Worqen Score level, and where both a subscription rate and a reputation-based rate apply to you, the lower of the two is charged. The reduction is applied automatically at the moment a release is calculated; you do not need to claim it. The Score levels that qualify, and the rates attached to them, are set by Worqen and may change.

Apart from the commission above and the tip fee in Section 2.1, Worqen takes no fee on the underlying transaction. We do not currently take a separate fee from the Worker.

2.1 Tips and non-escrow direct payments

Two payment paths on the Service settle directly between the parties' wallets and never enter the escrow vault. They are described in Terms of Service Section 8.1A; their charges are:

Tips are entirely voluntary, are never required by Worqen, and do not form part of the agreed price of an engagement. Both paths are optional and their availability may depend on the wallet type you use. Worqen does not hold these funds at any point; each payment is a transfer between the parties' own wallets with the applicable fee routed to Worqen in the same transaction.

3. Worqs (in-app credits)

• Worqs are non-monetary in-app credits used to gate anti-spam-sensitive actions (currently posting a job, submitting an application, sending an invitation; each costs 2 Worqs).
• Sign-up grant: 60 Worqs.
• Recurring monthly grant: 10 Worqs.
• Worqs are not currently available for purchase. If and when paid Worqs become available, the price, taxes (including VAT where applicable), refund rules and the EU 14-day cooling-off arrangements will be set out in the Refund & Cancellation Policy and presented at the point of purchase.
• Worqs have no monetary value, are not transferable between accounts, and are not redeemable for fiat or cryptocurrency.

4. Custody, holds and release timing

4.1 Release timing and inactivity review

A funded fixed-price escrow releases when the Employer and the Worker confirm release, or when a dispute is resolved. Until then the funds stay in the on-chain vault: there is no fixed-day automatic release, and no number of days elapsing after a Worker marks work as delivered causes the escrow to pay out by itself.

Where a Worker has submitted work and the Employer does not respond, Worqen may — after a prolonged period of inactivity — review the evidence available on the Service and, if the work appears to have been delivered, direct the Escrow Program to release the funds. This is a discretionary administrative measure taken case by case to deal with non-responsive parties. It runs to no committed timetable and we do not promise that it will happen within any particular period, so a Worker waiting on an unresponsive Employer should raise a dispute under the Disputes & Resolution Policy rather than wait for it.

This applies to fixed-price engagements only. Hourly (weekly-settlement) engagements settle per tranche: each tranche finalises on its own 7-day window and can be finalised permissionlessly on-chain by anyone once that window has passed, without Worqen taking any action, as set out in Section 4A and the Disputes & Resolution Policy Section 6a.

4.2 Pre-release compliance hold

Before we direct the Escrow Program to release funds, Worqen may delay the release for up to 5 days to complete compliance, sanctions and fraud screening. We apply this delay at our discretion, typically only where a transaction has been flagged for review. During any such delay the funds remain in the on-chain escrow vault and Worqen does not take custody of them (see Section 4.4); once funds have been released to the Worker's wallet the transaction is final and cannot be reversed by Worqen. We will not delay a release beyond 5 days without notifying you in writing.

4.3 Maximum custody window

Worqen will not direct funds to remain in escrow custody beyond 90 days from the original deposit date except where (i) a dispute is open and active, (ii) we are subject to a legal hold or court order, or (iii) the parties have explicitly extended the engagement on the Service.

4.4 Custody: the escrow vault and your wallet

The escrow vault. Funds in escrow are held in a Solana program-derived vault address controlled by the Worqen Escrow Program. Worqen does not custody these funds in its own wallets. Because they sit in an on-chain vault rather than in any Worqen account, they do not form part of Worqen's assets, and a Worqen insolvency, reorganisation or winding-up does not by itself freeze or capture them. See Terms of Service Section 8 for the full description of the escrow flow.

Your wallet is a separate question. Whether anyone other than you holds a key depends on which of the two wallet options you use. With a self-custodial external wallet you alone hold the key and Worqen holds nothing. With a platform-managed wallet Worqen generates the wallet, stores its private key in encrypted form, and signs transactions with it on your instruction — you can reveal and export that key at any time from your wallet settings. Worqen charges no fee of its own for generating, holding, exporting or signing with a platform-managed wallet — the only amounts Worqen takes are the commission and tip fee in Section 2 — but every on-chain transaction still pays the Solana network fees described in Section 6.1. The custody position of each option, and its regulatory significance, is set out in Terms of Service Section 8.

4.5 Compliance and screening holds

Separately from the routine timing in Sections 4.1–4.3 above (including the short pre-release screening delay in Section 4.2), from any user-raised dispute, and from the suspension-related freeze described in Identity Verification Policy Section 8.3, Worqen may place a temporary hold on a pending release to a Worker or refund to an Employer where we have a reasonable basis to complete identity re-verification, sanctions screening, or an anti-money-laundering or fraud enquiry before the funds move. We may apply such a hold where:

• re-verification of an account has been triggered under Identity Verification Policy Section 9 and is not yet complete;
• a name matches, or requires closer review against, a sanctions or watch list we screen (OFAC, EU, UK OFSI or UN — see Identity Verification Policy Section 12);
• we have a reasonable suspicion of fraud, unauthorised account access, or money laundering or terrorist-financing activity, or an enquiry into any of these is open, whether or not a violation has yet been established; or
• a hold is required to meet an obligation we owe as an obliged entity under Estonian MLTFPA and the EU anti-money-laundering directives, or to respond to a lawful request from a competent authority.

This is a risk and anti-money-laundering measure we take as an obliged entity under applicable law. It does not make Worqen a licensed money transmitter, payment institution or escrow agent, and it does not give Worqen custody of your funds. It extends the powers already set out in Terms of Service Section 16 and the Acceptable Use Policy Section 6 to the reasonable-suspicion and open-enquiry stage, before any violation has been confirmed.

A compliance hold operates only before funds are released, and only on releases or refunds that require Worqen's participation — that is, where Worqen's co-signature under the 2-of-3 multi-signature platform authority, or an administrative action by Worqen, is needed for the Escrow Program to move the funds (see Disputes & Resolution Policy Section 7). In practice, a hold means Worqen declines to provide that signature or administrative action for the duration of the hold. Where a release or refund can be completed by the Employer and the Worker between themselves on-chain without Worqen's participation, Worqen cannot and does not represent that it can prevent that transfer. Once funds have been released on-chain the transaction is irreversible; a compliance hold cannot recall, reverse or claw back funds that have already left the vault (see Terms of Service Section 8 and the Refund & Cancellation Policy).

During a compliance hold the funds remain in the program-derived vault. They are not seized, forfeited, transferred to Worqen or taken into Worqen's custody; the affected release or refund is simply delayed. We will lift the hold and allow the release or refund to proceed as soon as reasonably practicable once the re-verification, screening or enquiry is resolved in your favour. Where a sanctions match or a confirmed violation is established, we will act as described in Identity Verification Policy Section 12 and Terms of Service Section 16, and any resulting release or refund will be directed accordingly. We will tell you that a hold is in place, and its high-level reason, where doing so does not compromise an active investigation or breach the AML "tipping-off" restrictions under Estonian MLTFPA § 49.

4.6 Dormant and unclaimable escrow

Release on the Service is push-based: when an escrow releases, the Escrow Program sends the funds directly to the destination wallet, and the Worker does not separately sign to claim them. Even so, an escrow can become dormant, or its funds unclaimable, for example where:

• the keys to a destination or funding wallet are lost or compromised, or are held by the estate of a User who has died or become incapacitated;
• a party disappears and neither confirms delivery, releases funds, nor responds to a dispute; or
• the intended recipient is subject to a sanctions match or a failed identity check and Worqen will not direct release to that wallet (see the Identity Verification Policy).

Extending the maximum custody window in Section 4.3: where that 90-day window is reached on a funded escrow that has no valid release path (no mutual confirmation, no administrative release under Section 4.1, no open dispute, and no legal hold), Worqen, acting through its multi-signature authority, may direct the Escrow Program to return the recoverable deposit to the Employer that funded that escrow. This uses the same on-chain cancellation path described in Terms of Service Section 8, and is the standard resolution for funds that would otherwise remain in the vault indefinitely.

Where funds have already been released and pushed to a destination wallet whose keys are lost, compromised or otherwise inaccessible, those funds sit on the Solana blockchain outside Worqen's control and may be technically unrecoverable. Because settlement is on-chain, Worqen cannot reverse an on-chain transfer once it has been made, and it cannot move funds out of, or reconstruct the key to, a wallet whose key it does not hold — which is every self-custodial external wallet, and every wallet not linked to your Worqen account. Where the destination is a platform-managed wallet on your own account, the stored key can still be used on your instruction, so the funds are not lost in the same way. As set out in Terms of Service Section 8, you bear this risk; such amounts are not a liability of Worqen and are not protected by any deposit-guarantee scheme.

Where the intended recipient is subject to sanctions or a failed identity check, funds already in escrow are not forfeited to Worqen. Consistent with our Identity Verification Policy, they are frozen in the vault pending dispute resolution and may be returned to the funding Employer through the process in the Disputes & Resolution Policy. Worqen does not seize, keep or profit from a blocked recipient's escrow entitlement.

Because Worqen does not custody fiat and holds no unclaimed balances of its own, it does not and cannot escheat funds to any governmental authority. The mechanisms described above (return of the recoverable deposit to the funder, a freeze pending dispute resolution, or the finality of an on-chain transfer already made) are the exclusive treatment of dormant or unclaimable escrow.

4A. Hourly engagements: weekly funding, holds and release

This Section 4A applies only to hourly engagements, which Worqen settles through its Gated Weekly Settlement model. Hourly engagements fund and release differently from fixed-price engagements. A fixed-price engagement is a single deposit that is released once, or in part, as described in Section 4; the singular deposit-and-release wording in Section 4 and in Terms of Service Section 8 is intentional and describes the fixed-price flow. Where an engagement is billed by the hour, the mechanics below apply instead.

4A.1 Weekly pre-funding and the cap

At the start of each weekly billing period, the Employer pre-funds a weekly cap into a dedicated on-chain vault for that engagement and that week. The cap equals the agreed weekly hours limit multiplied by the agreed hourly rate, plus the applicable commission funded on top. Work cannot be billed above the cap for that week. The cap can be raised during the week by funding the difference into the same vault. Each week and each engagement uses its own vault, so funds are never mixed between weeks or engagements.

4A.2 Billing in tranches

During the week the Worker logs hours and may bill up to seven (7) times per week. Each bill earmarks the corresponding amount inside the already-funded vault as a tranche; no funds move at the moment of billing. The total of all tranches in a week can never exceed that week's cap.

4A.3 Per-tranche release window

Each tranche has its own 7-day review window, with its own timer, running from when it is billed. For hourly engagements this window replaces the fixed-price release timing in Section 4.1 and the up-to-5-day pre-release hold in Section 4.2, which apply to fixed-price escrows only. Once a tranche's 7-day window has passed and no dispute is open on it, the tranche can be finalised by anyone — the Worker, a Worqen keeper, or a third party. Release does not depend on the Employer or Worqen taking any action, so the Worker is paid for reviewed hours even if the Employer becomes unresponsive.

4A.4 Commission on hourly engagements

The commission in Section 2 (5%, or 3% with an active Worqen Prime subscription) applies to each tranche released to the Worker, at the moment that tranche is finalised — not once per engagement. Commission is charged only on hours actually paid to the Worker. Commission funded on top of an unused cap, or on any portion returned to the Employer through a dispute, is refunded to the Employer (see Sections 4A.5 and 4A.6).

4A.5 Unused cap and mid-engagement termination

Any part of the weekly cap that is not billed by the end of the week — together with the commission funded on top of it — is returned to the Employer. If an engagement ends part-way through a week, the unbilled budget and its commission are returned to the Employer immediately; tranches already billed run out their own 7-day windows and finalise, or resolve through a dispute, as normal.

4A.6 Disputes attach per tranche

On an hourly engagement, a dispute is raised against an individual tranche, not the whole vault. Raising a dispute freezes only the disputed tranche; other tranches continue on their own timers and finalise normally. A frozen tranche is held — not returned — until the dispute is resolved through the Disputes & Resolution Policy, after which the commission applies only to the share released to the Worker, as set out in Section 4A.4.

5. Dispute outcomes and the commission

• If a dispute results in funds being released to the Worker (in whole or part), the applicable commission (5%, or 3% with an active Worqen Prime subscription) applies to the released portion.
• If a dispute results in funds being refunded to the Employer (in whole or part), the commission on the refunded portion is also refunded to the Employer.
• Worqen does not currently charge a fee for raising or processing a dispute.

6. Withdrawals, funding and transaction limits

6.1 Withdrawals and network fees

Worqen does not currently charge a fee for transferring released funds out of your Worqen-connected wallet. Solana network fees (gas) apply to every on-chain transaction and are paid by the wallet that signs the transaction. These are determined by the Solana network and not by Worqen.

Because the signing wallet always pays the network fee, gas on a dispute-directed release, split or refund is borne by whichever wallet signs that transaction — for a dispute resolution, that is Worqen's multi-signature platform-authority, as described in the Disputes & Resolution Policy Section 7. A Solana transaction that is included in a block but fails to execute still pays the base network fee to the network; a transaction that never reaches a block does not. Because on-chain transactions are irreversible, a network fee that has been paid cannot be recovered, and any re-attempt is a separate on-chain transaction that carries its own network fee. Gas is set by the Solana network, not by Worqen, and is not refundable.

Where a corrective or re-release transaction is required solely because of an error attributable to Worqen, we may, at our discretion, bear or reimburse the associated Solana network fee. This is a discretionary allowance, not an obligation to reimburse network fees in any other circumstance.

6.2 Withdrawal limits

Minimum withdrawal amounts and withdrawal limits, if introduced, will be added to this Schedule and announced at least 14 days in advance.

6.3 Funding, value and velocity limits

We do not currently impose a minimum or maximum on the size of an escrow you may fund, on the total value you may hold or move through escrow over a given period, or on how frequently you may fund or release escrows. We reserve the right to introduce such limits — including a minimum and maximum escrow amount, per-user or per-tier value caps, and per-period frequency (velocity) limits — graduated by your identity-verification tier and by risk signals on your account. If introduced, these limits will be added to this Schedule and announced at least 14 days in advance, except where a shorter notice period is required to meet a legal, sanctions or anti-money-laundering obligation.

Any such limit operates as an application-layer gate before an escrow transaction is built: Worqen may decline to build or present a funding or release transaction through the Service that would exceed a limit then in effect, or may pace how frequently such transactions are offered. This does not change the non-custodial, on-chain nature of escrow — funds remain in the Solana program-derived vault described in Section 4.4 and are never held by Worqen — and it does not make Worqen a custodian, money transmitter or licensed escrow agent.

These limits work alongside the sanctions and anti-money-laundering screening described in our Identity Verification Policy Section 12 and the risk-based refusal and suspension rights in Terms of Service Section 3. Where a higher escrow-value or withdrawal threshold is later offered, reaching it may require additional identity verification, as noted in Identity Verification Policy Section 9.

6A. Conversion (off-platform) fee

This section sets out the one-time conversion fee referred to in Terms of Service Section 6.2. It lets a Worker and an Employer who met through the Service continue their engagement off-platform during the 12-month non-circumvention period, in exchange for a single payment to Worqen.

6A.1 When it applies

At any point during the 12-month restricted period, either the Worker or the Employer may elect to take the engagement off-platform by paying the conversion fee. The engagement may only move off-platform once the fee has been paid and confirmed by Worqen; until then the restriction in Terms of Service Section 6.1 continues to apply. When we confirm the fee, we notify the other counter-party that the restriction has been lifted between the two of you.

6A.2 Amount and run-rate look-back

The conversion fee equals three (3) months of marketplace commission at the counter-party's most recent on-platform run-rate, calculated as follows:

• We take the marketplace commission (5%, or 3% with an active Worqen Prime subscription) that Worqen earned on escrow releases between that Worker and that Employer over the most recent three (3) completed calendar months preceding the election in which at least one release occurred (the "look-back window"). If the engagement is shorter than three months, we use its full duration.
• We divide that commission by the number of calendar months in the look-back window to obtain the monthly run-rate, then multiply the monthly run-rate by three (3).
• If there has been no escrow release between the two of you, there is no established run-rate and no conversion fee is payable under this Section — but the restriction in Terms of Service Section 6.1 still applies until it expires.

The fee is calculated only from commission actually earned on the Service between the two counter-parties. It does not use any fixed hours multiplier, any annualised salary figure, or any minimum or maximum cap.

6A.3 How the fee is paid

Worqen does not custody your funds and does not hold a card or debit any wallet on your behalf, so the conversion fee is not collected automatically. Once you elect the conversion option, Worqen will either:

• issue an on-chain payment request to a Worqen-designated Solana address, payable in the settlement asset used on the Service; or
• issue an invoice payable by the method stated on it.

The conversion fee is payable within 14 days of the date of the payment request or invoice, and must be received and confirmed by Worqen before the engagement moves off-platform. Solana network fees (gas) on any on-chain payment are borne by the paying wallet, as described in Section 6.

6A.4 If the fee is not paid

Moving an engagement off-platform without electing and paying the conversion fee, or electing the option but not paying within the period above, is a circumvention of Terms of Service Section 6.1. As set out in Terms of Service Section 6.3, we may charge a circumvention fee equal to twice the conversion fee plus reasonable enforcement costs, and we may in addition:

• suspend your account and decline to open new escrows for you;
• expire or forfeit your Worqs;
• set off the amount owed against any Worqen-controlled value attributable to you — for example your Worqs, promotional credits, or a commission refund we would otherwise owe you; and
• pursue the amount as a debt and any other remedy available to us under the law of the Republic of Estonia and Terms of Service Section 17.

6A.5 VAT

The conversion fee is consideration for a service supplied by Worqen OÜ and is separate from the marketplace commission in Section 2. Value-added tax (VAT) is added where Estonian or EU law requires it. If you are a business established outside Estonia, the reverse-charge mechanism may apply and no Estonian VAT will be shown, in which case you are responsible for accounting for VAT in your own jurisdiction. Any VAT is shown separately on the payment request or invoice.

7. Future fees

The following fees are not currently charged but are reserved here for transparency, and will be detailed in this Schedule before they take effect:

• Fees on a fiat on-ramp or off-ramp, when introduced;
• Additional subscription or premium-tier fees beyond Worqen Prime, when introduced;
• Fees on B2B / Enterprise products;
• Inactive-account custody fees (only after a long inactivity window and only where permitted by local law).

8. Taxes

8.1 Your tax responsibility

Each User is solely responsible for determining, reporting and paying all taxes (income, VAT/GST, self-employment, social-security, withholding) arising from activity on the Service. Worqen does not give tax advice and does not withhold tax on a User's behalf. Worqen does not currently add VAT to the marketplace commission; if we become required to charge VAT (for example under EU VAT-OSS, once applicable), we will update this Schedule and present any VAT at the point of charge.

8.2 Platform income reporting (DAC7)

As an Estonian platform operator, Worqen is subject to the EU platform-reporting rules in Council Directive (EU) 2021/514 ("DAC7"), transposed into Estonian law. These rules are in force and are not a future regime. Because the Service facilitates personal services (time- or task-based work carried out by Workers at an Employer's request), a Worker who earns consideration through the Service may be a reportable seller, whether they act as an individual or as a business; this duty is not limited to business sellers and, for personal services, has no minimum-activity threshold.

To meet this obligation, Worqen collects the seller tax identifiers the rules require — a tax identification number (TIN) and, where applicable, a VAT identification number — as part of identity verification. Where and when the rules require it, Worqen reports the identity of reportable Workers and the consideration paid to them through escrow to the Estonian Tax and Customs Board (Maksu- ja Tolliamet), which may exchange that information with the tax authority of the Worker's country of residence. Consideration settled in cryptocurrency is reported at the value known to us at the time of the transaction. This is an information-reporting duty only: Worqen does not custody these funds, and it does not change the non-custodial escrow model described in Terms of Service Section 8.

We process this information on the basis of our legal obligation. The Privacy Policy explains how we use and share tax-related information, including the tax authorities to which we may disclose it.

9. Contact

Questions about fees, holds or limits: billing@worqen.com.