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In assessing Options AI’s overnight financing fees, or swap charges, I first had to dig into their published cost structures. What stood out for me is that for margin accounts, the stated rate on debit balances is 7.45%. This is effectively the figure to benchmark when comparing with other brokers' overnight financing rates. In my own trading, I’m accustomed to platforms where margin interest rates can vary widely—some discount brokers offer rates as low as 5% for large accounts, but it’s not uncommon to see rates in the 8–10% range, especially with smaller balances. A 7.45% rate falls somewhere in the middle; it certainly isn’t the most competitive, but it isn’t unusually high, either. For me, the crucial consideration is understanding that this margin rate applies to any borrowed funds held overnight, not just leveraged options trades, and costs can accumulate if positions are rolled over repeatedly. Another important point, particularly for risk management, is that Options AI does not layer swap fees onto its options contracts themselves—with U.S. options, overnight financing charges apply only if you’re borrowing against margin in your account. For those using cash accounts, overnight charges do not apply at all. In summary, while Options AI’s overnight financing fees are about average when measured against U.S. brokerage industry norms, I would still encourage any trader—myself included—to carefully factor these costs into a broader trading plan. Margin fees can erode returns over time, and understanding the total cost structure, including regulatory, clearing, and financing fees, is crucial before becoming a regular user of any platform.