Fees, and who pays them

The send is the sender's transaction, and its fee comes from their wallet in XLM. Most of it is rent that keeps the envelope in the ledger for about six months; measured on mainnet's rates on 8 October 2026, that is about 0.2 XLM. The confirm sheet shows the fee from the transaction's own simulation before the wallet opens.

The claim is paid by Sown's servers: the recipient's new wallet (about 0.2 XLM on mainnet), the claim itself (about 0.09 XLM), and, for a classic wallet, the half XLM per asset it must set aside to hold USDC and the keep, plus the one XLM every Stellar account keeps when the wallet is brand new. Those deposits come back when the wallet lets go of them. Sown's servers check each request against an exact shape before they sign, pay for an envelope once, and cannot move an envelope.

Moving out of a wallet made with Face ID is paid by Sown's servers too, a few times a day. The proof page shows what they hold and everything they have paid, read from the ledger.

Sown takes nothing. The pool charges its own fee on the keep (0.1% or 0.3%), shown on every receipt.