diff --git a/apps/machine/electron/main.ts b/apps/machine/electron/main.ts
index ac55672..d6ad834 100644
--- a/apps/machine/electron/main.ts
+++ b/apps/machine/electron/main.ts
@@ -30,6 +30,12 @@ import { initializeHal, type HalInstance } from './hal-service.js'
 const __filename = fileURLToPath(import.meta.url)
 const __dirname = path.dirname(__filename)
 
+/** Parse fee value: accepts percentage (5.55 → 0.0555) or decimal (0.0555 → 0.0555) */
+function parseFee(val: string): number {
+  const n = parseFloat(val)
+  return n >= 1 ? n / 100 : n
+}
+
 // Load .env file manually (Electron main process doesn't have Vite's env loading)
 function loadEnvFile() {
   const envPath = path.join(__dirname, '..', '.env')
@@ -190,6 +196,10 @@ ipcMain.handle('get-config', () => {
 
     // Maintenance mode — show "out of service" screen
     maintenanceMode: process.env.VITE_MAINTENANCE_MODE === 'true',
+
+    // Fee rates — accepts percentage (5.55) or decimal (0.0555), auto-detected
+    cashInFeeRate: parseFee(process.env.VITE_CASH_IN_FEE || '0.0333'),
+    cashOutFeeRate: parseFee(process.env.VITE_CASH_OUT_FEE || '0.0777'),
   }
 })
 
diff --git a/apps/machine/src/stores/atm.ts b/apps/machine/src/stores/atm.ts
index 3b6ac50..b96b538 100644
--- a/apps/machine/src/stores/atm.ts
+++ b/apps/machine/src/stores/atm.ts
@@ -260,6 +260,8 @@ export const useAtmStore = defineStore('atm', () => {
   const allowMockFallback = ref(true) // default true for browser dev
   const initError = ref<string | null>(null) // fatal error → maintenance screen
   const fiatCode = ref('USD')
+  const cashInFeeRate = ref(0.0333)
+  const cashOutFeeRate = ref(0.0777)
   const machineModel = ref('atm')
   const useLiveServices = ref(false)
   const connectionStatus = ref<'disconnected' | 'connecting' | 'connected' | 'error'>(
@@ -359,7 +361,11 @@ export const useAtmStore = defineStore('atm', () => {
   // Actions
   function initialize(services: ATMServices = mockServices) {
     atmServicesRef = services
-    const machine = createATMMachine(services, { currency: fiatCode.value })
+    const machine = createATMMachine(services, {
+      currency: fiatCode.value,
+      cashInFeeRate: cashInFeeRate.value,
+      cashOutFeeRate: cashOutFeeRate.value,
+    })
     actor.value = createActor(machine)
 
     // Track previous state to detect transitions into 'complete'
@@ -925,6 +931,9 @@ export const useAtmStore = defineStore('atm', () => {
     machineModel.value = model
     const runtimeFiatCode = runtimeConfig.fiatCode || 'USD'
     fiatCode.value = runtimeFiatCode
+    if (runtimeConfig.cashInFeeRate !== undefined) cashInFeeRate.value = runtimeConfig.cashInFeeRate
+    if (runtimeConfig.cashOutFeeRate !== undefined)
+      cashOutFeeRate.value = runtimeConfig.cashOutFeeRate
 
     // Build device config from runtime values
     const { getDeviceConfig, toHalConfig, MACHINE_PRESETS } = await import('@/config')
diff --git a/apps/machine/src/types/electron.d.ts b/apps/machine/src/types/electron.d.ts
index c0c8de6..ca1c854 100644
--- a/apps/machine/src/types/electron.d.ts
+++ b/apps/machine/src/types/electron.d.ts
@@ -16,6 +16,8 @@ export interface RuntimeConfig {
   allowMockFallback: boolean
   operatorPubkeys: string
   maintenanceMode: boolean
+  cashInFeeRate: number
+  cashOutFeeRate: number
 }
 
 export interface AtmSecrets {
diff --git a/packages/state-machine/src/machine.ts b/packages/state-machine/src/machine.ts
index 3f7e438..ebb3916 100644
--- a/packages/state-machine/src/machine.ts
+++ b/packages/state-machine/src/machine.ts
@@ -20,7 +20,7 @@ import {
  */
 export function createATMMachine(
   services: Partial<ATMServices> = {},
-  options?: { currency?: string }
+  options?: { currency?: string; cashInFeeRate?: number; cashOutFeeRate?: number }
 ) {
   return setup({
     types: {
@@ -401,7 +401,14 @@ export function createATMMachine(
   }).createMachine({
     id: 'atm',
     initial: 'idle',
-    context: { ...initialContext, ...(options?.currency ? { currency: options.currency } : {}) },
+    context: {
+      ...initialContext,
+      ...(options?.currency ? { currency: options.currency } : {}),
+      ...(options?.cashInFeeRate !== undefined ? { cashInFeePercent: options.cashInFeeRate } : {}),
+      ...(options?.cashOutFeeRate !== undefined
+        ? { cashOutFeePercent: options.cashOutFeeRate }
+        : {}),
+    },
     states: {
       idle: {
         entry: 'resetContext',