CAP-042 — Fee-free international transfers up to threshold

Category	Fees & pricing
Business goal	Not yet linked to a business goal
Satisfying module	MOD-021 Payment limit & velocity controller
Mode	CALC
BD owner	BD04 Product
Human needed	No

International wire transfers are fee-free up to a monthly threshold (e.g., NZD 5,000/month equivalent). The fee calculator applies the threshold logic per customer per calendar month; transfers above the threshold are charged at a published rate. The FX spread on the exchange rate is the primary revenue mechanism, not per-transfer fees.