Fee categories

Share price — one-time, paid at purchase into escrow
Onboarding fee — one-time, typically rolled into the share price for buyers
Monthly maintenance fee — covers routine operating costs (utilities, basic upkeep)
Monthly reserve contribution — builds the reserve fund for unexpected expenses and major repairs
Insurance premium — your share of the co-ownership policy
Platform management fee — Slivvy's ongoing fee, disclosed on every listing
Overage fees — only if you use more than your allocation of days
Special assessments — only if the group votes one for a capital expense

How fees are paid

Recurring fees are billed in advance for the period (not in arrears) and paid via:

Bank account (ACH, via Plaid)
Credit or debit card
Slivvy Wallet balance

Setting up autopay

Autopay is the easiest way to stay in good standing on your trust score. Set it up under Profile → Payments → Autopay. You can use different methods for different assets if you want.

What happens if you miss a payment

Grace period — defined in the Operating Agreement (typically a few days)
Late fee — applied automatically
Escalation — repeated reminders by email, SMS, and push
Lien on share — per the Operating Agreement if delinquency continues

Reimbursements

If you paid a vendor or expense personally on behalf of the asset, you can request reimbursement from the reserve fund:

Upload the receipt or invoice
Add a description and amount
Co-owners are notified and approve (or auto-approve under defined thresholds)
Funds are transferred to your wallet or bank account

Where to see your payment history

Every payment, fee, and reimbursement is logged in Dashboard → Payments. You can filter by asset, category, and date range, and export to CSV.

Escrow protection

Funds never move directly between users. Every share purchase, transfer, and reimbursement flows through Slivvy escrow, so there's a full audit trail and the platform can hold funds when something needs investigating.