Hi bernard - The fee credits will be used for promotional purposes only. For example, we might offer a promotion where clients creating a new account during a certain period would have their trades fees waived up to a certain amount and we would implement this by crediting their account with FEE. Another possibility is a referral program where a client might receive trading rebates based on the trade volume of the referrals. We've had many requests from our clients for promotions, especially for a referral program, and FEE is simply a way of implementing this. I don't see how it would make anyone dependent. If a client has some FEE from a promotion, the FEE will be automatically applied as a discount to trade fees and that's it. If it turns out that clients have more FEE than they need, we may offer a market for them so that clients can sell their FEE to other clients. But we wouldn't participate in the market and we would let the market determine price (presumably price would be a bit lower than the trade value of the FEE since otherwise there wouldn't be any reason to buy them). I hope that clears things up.