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Zero Fee Initiative · DihFih Labs

A decentralized industry, run on centralized apps

Crypto took the middleman out of the ledger. Then the middleman came back, one app at a time.

14 October 2026 · DihFih Labs · 5 min read

A ring of black toll boxes clamped around an open network of nodes, cut by a mint slash, beside the title: A decentralized industry, run on centralized apps.

The paradox

A line of open nodes turns into a row of growing black app tiles, under the words: Crypto took the middleman out of the ledger. Then the middleman came back, one app at a time.

Blockchains are open. Anyone can read them, anyone can send on them, and nobody needs permission. Yet most people reach them through a handful of companies: the app that swaps your coins, the service that indexes the chain so you can look anything up, the endpoint your wallet talks to. Each one sits between you and an open network, and each one charges for the privilege, as a fee on top of every swap, a monthly plan for the data, or a premium tier for a fast connection.

Three closed doors, each with a tag hanging from it: a fee on top of every swap, a monthly plan for the data, a premium tier for a fast connection.

The cost is easy to miss because it hides in the rate. Some of the best-known wallets add 0.85% to 0.88% on top of a route's own cost when you swap inside them (measured on 14 October 2026; see Compare costs). A decentralized industry, run on centralized apps, quietly collecting a toll at every door.

A bar split into a black part and a hatched mint part, with the text: Some of the best-known wallets add 0.85-0.88% on top of a route's own cost, measured 14 Oct 2026.

Imagine the opposite

A tall tower of black slabs labelled a team and a year, and a small low stack labelled a small lab, under: The cost of building software has collapsed.

Imagine a decentralized industry where the skills to build every tool users pay for are fully democratized. That is no longer a thought experiment. The cost of building software has collapsed: a tool that once needed a team and a year can now be rebuilt by a small lab in a fraction of the time. When building is cheap, a toll that only existed because building was expensive stops making sense.

The Zero Fee Initiative

On a mint page: Zero Fee Initiative. DihFih Labs rebuilds the software crypto users pay for, and gives it away. Not a discount. Not a launch promotion.

DihFih Labs rebuilds the software crypto users pay for, for as much as 99% less than it costs to build the usual way, and gives it away. That is the Zero Fee Initiative. It is not a discount or a launch promotion: the tools carry no fee from us because the reason they cost money is gone.

What it has released so far

Three tiles under Released so far: On-chain data for Robinhood Chain with its explorer, ZeroFee Swap across 70+ chains, and ZeroFee Pay for pay links.
  • On-chain data. Open access to on-chain data: WebSocket RPCs and a full on-chain index for Robinhood Chain, with a public explorer at explorer.dihfih.org. More chains are being added one at a time.
  • ZeroFee, a family of privacy apps. ZeroFee cuts the middleman again and connects you straight to the protocols, such as NEAR Intents and Relay, with 0% from ZeroFee. Its servers never hold your money or your keys, and there is no account.
    • ZeroFee Swap swaps a coin on one chain for a coin on another, across 70+ chains. You send from any wallet or exchange to a one-time deposit address, and the protocol delivers to your address. Open ZeroFee Swap.
    • ZeroFee Pay makes pay links: ask for an exact amount in the coin you want, and the payer pays with a coin they hold on 70+ chains. A standard link delivers exactly the amount, a private one at least it. Make a pay link.
    • Four privacy protocols, stacked your way: confidential crossing on NEAR Intents, the Solana ZK pool, Zcash shielded and Monero.

What “zero fee” means, precisely

A receipt reading ZeroFee fee 0%, protocol fees and network fees their own, and a total cost shown before you start, beside: ZeroFee adds nothing on top.

ZeroFee adds nothing on top. The networks and protocols that actually move your money still charge their own fees: network gas, a protocol's fee, a solver's spread. The app adds them up and shows the total, and what's in it, before you start. We would rather tell you exactly what you pay than claim there is no cost and hide it in the rate. See Fees.

Good to know

Privacy protocols explains what each one hides and how to use it well, and Security shows how the apps are built and checked: Super intelligence audited, with every provider's own audits listed.

What's next

ZeroFee Wallet is coming soon: your keys on your device, Shield and Unshield in a tap, and the ZeroFee Swap engine built in. Then more chains in the on-chain index, and more of the tools people pay for, rebuilt and given away. Follow along at dihfih.org and on X at @ZeroFeeSi.