diff --git a/migrations/versions/a1a1a1a1a1a1_composite_pk_for_models.py b/migrations/versions/a1a1a1a1a1a1_composite_pk_for_models.py
new file mode 100644
index 00000000..0cbafc26
--- /dev/null
+++ b/migrations/versions/a1a1a1a1a1a1_composite_pk_for_models.py
@@ -0,0 +1,64 @@
+"""change models to composite primary key (id, upstream_provider_id)
+
+Revision ID: a1a1a1a1a1a1
+Revises: f7a8b9c0d1e2
+Create Date: 2025-10-20 00:00:00.000000
+"""
+
+from __future__ import annotations
+
+import sqlalchemy as sa
+from alembic import op
+
+revision = "a1a1a1a1a1a1"
+down_revision = "f7a8b9c0d1e2"
+branch_labels = None
+depends_on = None
+
+
+def upgrade() -> None:
+    conn = op.get_bind()
+    inspector = sa.inspect(conn)
+
+    if "models" in inspector.get_table_names():
+        op.drop_table("models")
+
+    op.create_table(
+        "models",
+        sa.Column("id", sa.String(), nullable=False),
+        sa.Column("upstream_provider_id", sa.Integer(), nullable=False),
+        sa.Column("name", sa.String(), nullable=False),
+        sa.Column("created", sa.Integer(), nullable=False),
+        sa.Column("description", sa.Text(), nullable=False),
+        sa.Column("context_length", sa.Integer(), nullable=False),
+        sa.Column("architecture", sa.Text(), nullable=False),
+        sa.Column("pricing", sa.Text(), nullable=False),
+        sa.Column("sats_pricing", sa.Text(), nullable=True),
+        sa.Column("per_request_limits", sa.Text(), nullable=True),
+        sa.Column("top_provider", sa.Text(), nullable=True),
+        sa.Column("enabled", sa.Boolean(), nullable=False, server_default="1"),
+        sa.PrimaryKeyConstraint("id", "upstream_provider_id"),
+        sa.ForeignKeyConstraint(
+            ["upstream_provider_id"], ["upstream_providers.id"], ondelete="CASCADE"
+        ),
+    )
+
+
+def downgrade() -> None:
+    op.drop_table("models")
+    op.create_table(
+        "models",
+        sa.Column("id", sa.String(), primary_key=True, nullable=False),
+        sa.Column("name", sa.String(), nullable=False),
+        sa.Column("created", sa.Integer(), nullable=False),
+        sa.Column("description", sa.Text(), nullable=False),
+        sa.Column("context_length", sa.Integer(), nullable=False),
+        sa.Column("architecture", sa.Text(), nullable=False),
+        sa.Column("pricing", sa.Text(), nullable=False),
+        sa.Column("sats_pricing", sa.Text(), nullable=True),
+        sa.Column("per_request_limits", sa.Text(), nullable=True),
+        sa.Column("top_provider", sa.Text(), nullable=True),
+        sa.Column("enabled", sa.Boolean(), nullable=False, server_default="1"),
+        sa.Column("upstream_provider_id", sa.Integer(), nullable=True),
+        sa.ForeignKeyConstraint(["upstream_provider_id"], ["upstream_providers.id"]),
+    )
diff --git a/migrations/versions/f7a8b9c0d1e2_add_fees_to_upstream_providers.py b/migrations/versions/f7a8b9c0d1e2_add_fees_to_upstream_providers.py
new file mode 100644
index 00000000..2c921094
--- /dev/null
+++ b/migrations/versions/f7a8b9c0d1e2_add_fees_to_upstream_providers.py
@@ -0,0 +1,27 @@
+"""add provider_fee to upstream_providers
+
+Revision ID: f7a8b9c0d1e2
+Revises: e1f2a3b4c5d6
+Create Date: 2025-10-13 00:00:00.000000
+"""
+
+from __future__ import annotations
+
+import sqlalchemy as sa
+from alembic import op
+
+revision = "f7a8b9c0d1e2"
+down_revision = "e1f2a3b4c5d6"
+branch_labels = None
+depends_on = None
+
+
+def upgrade() -> None:
+    op.add_column(
+        "upstream_providers",
+        sa.Column("provider_fee", sa.Float(), nullable=False, server_default="1.01"),
+    )
+
+
+def downgrade() -> None:
+    op.drop_column("upstream_providers", "provider_fee")
diff --git a/routstr/core/admin.py b/routstr/core/admin.py
index bb54ffe7..288b1c8e 100644
--- a/routstr/core/admin.py
+++ b/routstr/core/admin.py
@@ -1389,30 +1389,30 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
 <script>
     let providersList = [];
     let selectedProviderId = null;
-    let providerModels = { db_models: [], remote_models: [] };
+    let providerModels = { db_models: [], remote_models: [], provider: {} };
+    let openrouterPresets = [];
 
     async function fetchProviders() {
         const tableBody = document.getElementById('providers-tbody');
-        tableBody.innerHTML = '<tr><td colspan="5" style="color:#718096;">Loading…</td></tr>';
+        tableBody.innerHTML = '<tr><td colspan="4" style="color:#718096;">Loading…</td></tr>';
         try {
             const resp = await fetch('/admin/api/upstream-providers', { credentials: 'same-origin' });
             if (!resp.ok) throw new Error('HTTP ' + resp.status);
             providersList = await resp.json();
             renderProvidersTable();
         } catch (e) {
-            tableBody.innerHTML = '<tr><td colspan="5" style="color:#e53e3e;">Failed to load providers: ' + e.message + '</td></tr>';
+            tableBody.innerHTML = '<tr><td colspan="4" style="color:#e53e3e;">Failed to load providers: ' + e.message + '</td></tr>';
         }
     }
 
     function renderProvidersTable() {
         const tableBody = document.getElementById('providers-tbody');
         if (!Array.isArray(providersList) || !providersList.length) {
-            tableBody.innerHTML = '<tr><td colspan="5" style="color:#718096;">No providers found</td></tr>';
+            tableBody.innerHTML = '<tr><td colspan="4" style="color:#718096;">No providers found</td></tr>';
             return;
         }
         const rows = providersList.map(p => `
             <tr>
-                <td>${p.id}</td>
                 <td>${p.provider_type}</td>
                 <td style="word-break: break-all;">${p.base_url}</td>
                 <td><span style="padding:2px 8px; border-radius:4px; background:${p.enabled ? '#22c55e' : '#ef4444'}; color:white; font-size:12px;">${p.enabled ? 'Enabled' : 'Disabled'}</span></td>
@@ -1455,6 +1455,9 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
     function renderProviderModels() {
         const dbModelsBody = document.getElementById('db-models-tbody');
         const remoteModelsBody = document.getElementById('remote-models-tbody');
+        const remoteModelsSection = document.getElementById('remote-models-section');
+        const customProviderActions = document.getElementById('custom-provider-actions');
+        const isCustomProvider = providerModels.provider && providerModels.provider.provider_type === 'custom';
         
         if (providerModels.db_models && providerModels.db_models.length > 0) {
             dbModelsBody.innerHTML = '';
@@ -1483,32 +1486,40 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
                 dbModelsBody.appendChild(row);
             });
         } else {
-            dbModelsBody.innerHTML = '<tr><td colspan="3" style="color:#718096;">No model overrides</td></tr>';
+            dbModelsBody.innerHTML = '<tr><td colspan="3" style="color:#718096;">No models defined</td></tr>';
         }
         
-        if (providerModels.remote_models && providerModels.remote_models.length > 0) {
-            remoteModelsBody.innerHTML = '';
-            providerModels.remote_models.forEach(m => {
-                const isInDb = providerModels.db_models.some(db => db.id === m.id);
-                const row = document.createElement('tr');
-                row.innerHTML = `
-                    <td style="font-family:monospace; word-break: break-all;">${m.id}</td>
-                    <td>${m.name}</td>
-                    <td>
-                        <button class="override-btn" ${isInDb ? 'disabled' : ''}>+ Override</button>
-                        <button class="disable-btn" style="background:#ef4444;" ${isInDb ? 'disabled' : ''}>🚫 Disable</button>
-                    </td>
-                `;
-                const overrideBtn = row.querySelector('.override-btn');
-                const disableBtn = row.querySelector('.disable-btn');
-                if (!isInDb) {
-                    overrideBtn.onclick = () => createModelOverride(m, true);
-                    disableBtn.onclick = () => createModelOverride(m, false);
-                }
-                remoteModelsBody.appendChild(row);
-            });
+        if (isCustomProvider) {
+            remoteModelsSection.style.display = 'none';
+            customProviderActions.style.display = 'block';
         } else {
-            remoteModelsBody.innerHTML = '<tr><td colspan="3" style="color:#718096;">No remote models available</td></tr>';
+            remoteModelsSection.style.display = 'block';
+            customProviderActions.style.display = 'none';
+            
+            if (providerModels.remote_models && providerModels.remote_models.length > 0) {
+                remoteModelsBody.innerHTML = '';
+                providerModels.remote_models.forEach(m => {
+                    const isInDb = providerModels.db_models.some(db => db.id === m.id);
+                    const row = document.createElement('tr');
+                    row.innerHTML = `
+                        <td style="font-family:monospace; word-break: break-all;">${m.id}</td>
+                        <td>${m.name}</td>
+                        <td>
+                            <button class="override-btn" ${isInDb ? 'disabled' : ''}>+ Override</button>
+                            <button class="disable-btn" style="background:#ef4444;" ${isInDb ? 'disabled' : ''}>🚫 Disable</button>
+                        </td>
+                    `;
+                    const overrideBtn = row.querySelector('.override-btn');
+                    const disableBtn = row.querySelector('.disable-btn');
+                    if (!isInDb) {
+                        overrideBtn.onclick = () => createModelOverride(m, true);
+                        disableBtn.onclick = () => createModelOverride(m, false);
+                    }
+                    remoteModelsBody.appendChild(row);
+                });
+            } else {
+                remoteModelsBody.innerHTML = '<tr><td colspan="3" style="color:#718096;">No remote models available</td></tr>';
+            }
         }
     }
 
@@ -1522,15 +1533,20 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
         'openrouter': { baseUrl: 'https://openrouter.ai/api/v1', showApiVersion: false },
         'anthropic': { baseUrl: 'https://api.anthropic.com/v1', showApiVersion: false },
         'azure': { baseUrl: '', showApiVersion: true },
-        'generic': { baseUrl: '', showApiVersion: false }
+        'custom': { baseUrl: '', showApiVersion: false }
     };
 
+    function getProviderFeePlaceholder(providerType) {
+        return providerType === 'openrouter' ? 'Default: 1.06 (6%)' : 'Default: 1.01 (1%)';
+    }
+
     function updateProviderFields() {
         const providerType = document.getElementById('provider-type').value;
         const config = PROVIDER_CONFIGS[providerType] || { baseUrl: '', showApiVersion: false };
         const baseUrlField = document.getElementById('provider-base-url');
         const apiVersionRow = document.getElementById('api-version-row');
         const providerId = document.getElementById('provider-id').value;
+        const feeField = document.getElementById('provider-fee');
         
         if (config.baseUrl && !providerId) {
             baseUrlField.value = config.baseUrl;
@@ -1542,6 +1558,10 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
         }
         
         apiVersionRow.style.display = config.showApiVersion ? 'block' : 'none';
+        
+        if (!feeField.value) {
+            feeField.placeholder = getProviderFeePlaceholder(providerType);
+        }
     }
 
     async function openProviderEditor(providerId) {
@@ -1567,6 +1587,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
                 document.getElementById('provider-api-key').placeholder = '[Keep existing]';
                 document.getElementById('provider-api-version').value = p.api_version || '';
                 document.getElementById('provider-enabled').checked = p.enabled;
+                document.getElementById('provider-fee').value = p.provider_fee || '';
                 updateProviderFields();
             } catch (e) {
                 errorBox.style.display = 'block';
@@ -1581,6 +1602,8 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
             document.getElementById('provider-api-key').placeholder = 'API Key';
             document.getElementById('provider-api-version').value = '';
             document.getElementById('provider-enabled').checked = true;
+            document.getElementById('provider-fee').value = '';
+            document.getElementById('provider-fee').placeholder = getProviderFeePlaceholder('openrouter');
             updateProviderFields();
         }
         
@@ -1596,11 +1619,16 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
         const errorBox = document.getElementById('provider-error');
         errorBox.style.display = 'none';
         
+        const providerType = document.getElementById('provider-type').value;
+        const feeValue = document.getElementById('provider-fee').value;
+        const defaultFee = providerType === 'openrouter' ? 1.06 : 1.01;
+        
         const payload = {
-            provider_type: document.getElementById('provider-type').value,
+            provider_type: providerType,
             base_url: document.getElementById('provider-base-url').value,
             api_version: document.getElementById('provider-api-version').value || null,
             enabled: document.getElementById('provider-enabled').checked,
+            provider_fee: feeValue ? parseFloat(feeValue) : defaultFee,
         };
         
         const apiKey = document.getElementById('provider-api-key').value;
@@ -1675,13 +1703,128 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
         }
     }
 
-    async function createModelOverride(modelData, enabled) {
+    async function openCustomModelCreator() {
+        const modal = document.getElementById('model-override-modal');
+        const errorBox = document.getElementById('model-override-error');
+        errorBox.style.display = 'none';
+        
+        document.getElementById('override-model-id').value = '';
+        document.getElementById('override-model-id').disabled = false;
+        document.getElementById('override-model-name').value = '';
+        document.getElementById('override-description').value = '';
+        document.getElementById('override-context').value = 8192;
+        
+        const architecture = {
+            modality: 'text',
+            input_modalities: ['text'],
+            output_modalities: ['text'],
+            tokenizer: '',
+            instruct_type: null
+        };
+        document.getElementById('override-architecture').value = JSON.stringify(architecture, null, 2);
+        
+        const pricing = {
+            prompt: 0.0,
+            completion: 0.0,
+            request: 0.0,
+            image: 0.0,
+            web_search: 0.0,
+            internal_reasoning: 0.0
+        };
+        document.getElementById('override-pricing').value = JSON.stringify(pricing, null, 2);
+        
+        document.getElementById('override-enabled').value = 'true';
+        document.getElementById('override-mode').value = 'create';
+        document.getElementById('override-created').value = Math.floor(Date.now() / 1000);
+        document.getElementById('override-upstream-provider-id').value = selectedProviderId;
+        document.getElementById('modal-title').textContent = 'Create Custom Model';
+        document.getElementById('override-save-btn').textContent = 'Create Model';
+        document.getElementById('override-model-name').disabled = false;
+        
+        modal.style.display = 'block';
+    }
+
+    async function openPresetSelector() {
+        const modal = document.getElementById('preset-selector-modal');
+        const errorBox = document.getElementById('preset-error');
+        const searchInput = document.getElementById('preset-search');
+        errorBox.style.display = 'none';
+        searchInput.value = '';
+        
+        if (!openrouterPresets.length) {
+            const loadingDiv = document.getElementById('preset-loading');
+            const presetsDiv = document.getElementById('presets-list');
+            loadingDiv.style.display = 'block';
+            presetsDiv.style.display = 'none';
+            
+            try {
+                const resp = await fetch('/admin/api/openrouter-presets', { credentials: 'same-origin' });
+                if (!resp.ok) throw new Error('HTTP ' + resp.status);
+                openrouterPresets = await resp.json();
+                renderPresets('');
+                loadingDiv.style.display = 'none';
+                presetsDiv.style.display = 'block';
+            } catch (e) {
+                errorBox.style.display = 'block';
+                errorBox.textContent = 'Failed to load presets: ' + e.message;
+                loadingDiv.style.display = 'none';
+            }
+        } else {
+            renderPresets('');
+        }
+        
+        modal.style.display = 'block';
+    }
+
+    function renderPresets(query) {
+        const presetsBody = document.getElementById('presets-tbody');
+        const q = (query || '').trim().toLowerCase();
+        const filtered = q ? openrouterPresets.filter(m => {
+            const id = (m.id || '').toLowerCase();
+            const name = (m.name || '').toLowerCase();
+            return id.includes(q) || name.includes(q);
+        }) : openrouterPresets;
+        
+        if (!filtered.length) {
+            presetsBody.innerHTML = '<tr><td colspan="3" style="color:#718096;">No models match your search</td></tr>';
+            return;
+        }
+        
+        presetsBody.innerHTML = '';
+        filtered.slice(0, 100).forEach(m => {
+            const row = document.createElement('tr');
+            row.innerHTML = `
+                <td style="font-family:monospace; word-break: break-all; font-size: 0.85rem;">${m.id}</td>
+                <td>${m.name}</td>
+                <td><button class="use-preset-btn">Use Preset</button></td>
+            `;
+            const btn = row.querySelector('.use-preset-btn');
+            btn.onclick = () => usePreset(m);
+            presetsBody.appendChild(row);
+        });
+    }
+
+    function searchPresets(query) {
+        renderPresets(query);
+    }
+
+    function closePresetSelector() {
+        document.getElementById('preset-selector-modal').style.display = 'none';
+    }
+
+    async function usePreset(modelData) {
+        closePresetSelector();
+        await createModelOverride(modelData, true, true);
+    }
+
+    async function createModelOverride(modelData, enabled, isCustomModel = false) {
         if (enabled) {
             const modal = document.getElementById('model-override-modal');
             const errorBox = document.getElementById('model-override-error');
             errorBox.style.display = 'none';
             
             document.getElementById('override-model-id').value = modelData.id || '';
+            document.getElementById('override-model-id').disabled = !isCustomModel;
             document.getElementById('override-model-name').value = modelData.name || '';
             document.getElementById('override-description').value = modelData.description || '';
             document.getElementById('override-context').value = modelData.context_length || 8192;
@@ -1699,9 +1842,10 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
                 prompt: 0.0,
                 completion: 0.0,
                 request: 0.0,
-                image: 0.0
+                image: 0.0,
+                web_search: 0.0,
+                internal_reasoning: 0.0
             };
-            // Remove computed fields
             delete pricing.max_prompt_cost;
             delete pricing.max_completion_cost;
             delete pricing.max_cost;
@@ -1711,8 +1855,9 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
             document.getElementById('override-mode').value = 'create';
             document.getElementById('override-created').value = Math.floor(Date.now() / 1000);
             document.getElementById('override-upstream-provider-id').value = selectedProviderId;
-            document.getElementById('modal-title').textContent = 'Create Model Override';
-            document.getElementById('override-save-btn').textContent = 'Create Override';
+            const isCustomProvider = providerModels.provider && providerModels.provider.provider_type === 'custom';
+            document.getElementById('modal-title').textContent = isCustomProvider ? 'Create Model from Preset' : 'Create Model Override';
+            document.getElementById('override-save-btn').textContent = isCustomProvider ? 'Create Model' : 'Create Override';
             document.getElementById('override-model-name').disabled = false;
             
             modal.style.display = 'block';
@@ -1735,7 +1880,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
                 enabled: false
             };
             
-            const resp = await fetch('/admin/api/models', {
+            const resp = await fetch(`/admin/api/upstream-providers/${selectedProviderId}/models`, {
                 method: 'POST',
                 headers: { 'Content-Type': 'application/json' },
                 credentials: 'same-origin',
@@ -1756,7 +1901,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
 
     async function toggleModelEnabled(modelId, newEnabledState) {
         try {
-            const resp = await fetch(`/admin/api/models/${encodeURIComponent(modelId)}`, {
+            const resp = await fetch(`/admin/api/upstream-providers/${selectedProviderId}/models/${encodeURIComponent(modelId)}`, {
                 credentials: 'same-origin'
             });
             if (!resp.ok) throw new Error('Failed to fetch model');
@@ -1764,7 +1909,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
             
             model.enabled = newEnabledState;
             
-            const updateResp = await fetch(`/admin/api/models/${encodeURIComponent(modelId)}`, {
+            const updateResp = await fetch(`/admin/api/upstream-providers/${selectedProviderId}/models/${encodeURIComponent(modelId)}`, {
                 method: 'PATCH',
                 headers: { 'Content-Type': 'application/json' },
                 credentials: 'same-origin',
@@ -1809,7 +1954,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
             };
             
             const resp = await fetch(
-                isEdit ? `/admin/api/models/${encodeURIComponent(modelId)}` : '/admin/api/models',
+                isEdit ? `/admin/api/upstream-providers/${selectedProviderId}/models/${encodeURIComponent(modelId)}` : `/admin/api/upstream-providers/${selectedProviderId}/models`,
                 {
                     method: isEdit ? 'PATCH' : 'POST',
                     headers: { 'Content-Type': 'application/json' },
@@ -1841,7 +1986,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
         errorBox.style.display = 'none';
         
         try {
-            const resp = await fetch(`/admin/api/models/${encodeURIComponent(modelId)}`, {
+            const resp = await fetch(`/admin/api/upstream-providers/${selectedProviderId}/models/${encodeURIComponent(modelId)}`, {
                 credentials: 'same-origin'
             });
             if (!resp.ok) throw new Error('Failed to fetch model');
@@ -1891,7 +2036,7 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
         if (!confirm('Delete this model override?')) return;
         
         try {
-            const resp = await fetch(`/admin/api/models/${encodeURIComponent(modelId)}`, {
+            const resp = await fetch(`/admin/api/upstream-providers/${selectedProviderId}/models/${encodeURIComponent(modelId)}`, {
                 method: 'DELETE',
                 credentials: 'same-origin'
             });
@@ -1907,8 +2052,10 @@ UPSTREAM_PROVIDERS_JS: str = """<!--html-->
     window.onclick = function(event) {
         const editModal = document.getElementById('provider-edit-modal');
         const overrideModal = document.getElementById('model-override-modal');
+        const presetModal = document.getElementById('preset-selector-modal');
         if (event.target == editModal) closeProviderEditor();
         if (event.target == overrideModal) closeModelOverrideModal();
+        if (event.target == presetModal) closePresetSelector();
     }
 </script>
 """
@@ -1936,7 +2083,6 @@ def upstream_providers_page() -> str:
             <table>
                 <thead>
                     <tr>
-                        <th>ID</th>
                         <th>Type</th>
                         <th>Base URL</th>
                         <th>Status</th>
@@ -1944,7 +2090,7 @@ def upstream_providers_page() -> str:
                     </tr>
                 </thead>
                 <tbody id="providers-tbody">
-                    <tr><td colspan="5" style="color:#718096;">Loading…</td></tr>
+                    <tr><td colspan="4" style="color:#718096;">Loading…</td></tr>
                 </tbody>
             </table>
         </div>
@@ -1958,7 +2104,15 @@ def upstream_providers_page() -> str:
             <div id="models-loading" style="color:#718096;">Loading models…</div>
             
             <div id="models-content" style="display:none;">
-                <h3>Database Overrides</h3>
+                <div id="custom-provider-actions" style="display:none; margin-bottom: 1rem;">
+                    <button onclick="openCustomModelCreator()">➕ Add Model</button>
+                    <button onclick="openPresetSelector()" style="background:#48bb78;">📋 Load from Preset</button>
+                    <p style="font-size: 0.9rem; color: #718096; margin-top: 0.5rem;">
+                        Custom providers don't fetch models from an API. Add models manually or use OpenRouter presets.
+                    </p>
+                </div>
+                
+                <h3>Models</h3>
                 <table style="margin-bottom: 2rem;">
                     <thead>
                         <tr>
@@ -1968,23 +2122,25 @@ def upstream_providers_page() -> str:
                         </tr>
                     </thead>
                     <tbody id="db-models-tbody">
-                        <tr><td colspan="3" style="color:#718096;">No overrides</td></tr>
+                        <tr><td colspan="3" style="color:#718096;">No models defined</td></tr>
                     </tbody>
                 </table>
                 
-                <h3>Remote Models</h3>
-                <table>
-                    <thead>
-                        <tr>
-                            <th>Model ID</th>
-                            <th>Name</th>
-                            <th>Actions</th>
-                        </tr>
-                    </thead>
-                    <tbody id="remote-models-tbody">
-                        <tr><td colspan="3" style="color:#718096;">No remote models</td></tr>
-                    </tbody>
-                </table>
+                <div id="remote-models-section">
+                    <h3>Remote Models</h3>
+                    <table>
+                        <thead>
+                            <tr>
+                                <th>Model ID</th>
+                                <th>Name</th>
+                                <th>Actions</th>
+                            </tr>
+                        </thead>
+                        <tbody id="remote-models-tbody">
+                            <tr><td colspan="3" style="color:#718096;">No remote models</td></tr>
+                        </tbody>
+                    </table>
+                </div>
             </div>
         </div>
 
@@ -2003,7 +2159,7 @@ def upstream_providers_page() -> str:
                     <option value="openai">OpenAI</option>
                     <option value="anthropic">Anthropic</option>
                     <option value="azure">Azure OpenAI</option>
-                    <option value="generic">Generic</option>
+                    <option value="custom">Custom</option>
                 </select>
                 
                 <label>Base URL</label>
@@ -2017,6 +2173,10 @@ def upstream_providers_page() -> str:
                     <input type="text" id="provider-api-version" placeholder="2024-02-15-preview">
                 </div>
                 
+                <label>Provider Fee (Multiplier)</label>
+                <input type="number" id="provider-fee" step="0.001" min="1.0" placeholder="Default: 1.01 (1%)">
+                <small style="color:#718096; font-size:0.85rem;">Leave empty to use default (OpenRouter: 1.06, Others: 1.01)</small>
+                
                 <label style="display:flex; align-items:center; gap:8px; margin:10px 0;">
                     <input type="checkbox" id="provider-enabled" style="width:auto;">
                     <span>Enabled</span>
@@ -2065,6 +2225,48 @@ def upstream_providers_page() -> str:
                 </div>
             </div>
         </div>
+
+        <div id="preset-selector-modal" class="modal">
+            <div class="modal-content" style="max-width: 900px;">
+                <span class="close" onclick="closePresetSelector()">&times;</span>
+                <h3>Load Model from OpenRouter Preset</h3>
+                
+                <div id="preset-error" style="display:none; margin: 10px 0; color:#e53e3e;"></div>
+                
+                <div id="preset-loading" style="color:#718096; padding: 20px; text-align: center;">
+                    Loading OpenRouter models...
+                </div>
+                
+                <div id="presets-list" style="display:none;">
+                    <input type="text" id="preset-search" placeholder="Search models by ID or name..." 
+                           oninput="searchPresets(this.value)" 
+                           style="width:100%; padding:10px; margin-bottom:12px; border:2px solid #e2e8f0; border-radius:6px;">
+                    
+                    <div style="max-height: 60vh; overflow-y: auto;">
+                        <table style="margin: 0;">
+                            <thead style="position: sticky; top: 0; z-index: 10;">
+                                <tr>
+                                    <th style="width: 35%;">Model ID</th>
+                                    <th style="width: 45%;">Name</th>
+                                    <th style="width: 20%;">Actions</th>
+                                </tr>
+                            </thead>
+                            <tbody id="presets-tbody">
+                                <tr><td colspan="3" style="color:#718096;">Loading...</td></tr>
+                            </tbody>
+                        </table>
+                    </div>
+                    
+                    <p style="font-size: 0.85rem; color: #718096; margin-top: 10px;">
+                        Showing up to 100 models. Use search to find specific models.
+                    </p>
+                </div>
+                
+                <div style="margin-top: 12px;">
+                    <button onclick="closePresetSelector()" style="background-color: #718096;">Cancel</button>
+                </div>
+            </div>
+        </div>
     </body>
 </html>
     """
@@ -2078,12 +2280,6 @@ async def admin_upstream_providers(request: Request) -> str:
     return admin_auth()
 
 
-@admin_router.get("/api/models", dependencies=[Depends(require_admin_api)])
-async def get_models_admin_api(request: Request) -> list[dict[str, object]]:
-    items = await list_models()
-    return [m.dict() for m in items]  # type: ignore
-
-
 class ModelCreate(BaseModel):
     id: str
     name: str
@@ -2098,14 +2294,25 @@ class ModelCreate(BaseModel):
     enabled: bool = True
 
 
-@admin_router.post("/api/models", dependencies=[Depends(require_admin_api)])
-async def create_model_admin_api(payload: ModelCreate) -> dict[str, object]:
+@admin_router.post(
+    "/api/upstream-providers/{provider_id}/models",
+    dependencies=[Depends(require_admin_api)],
+)
+async def create_provider_model(
+    provider_id: int, payload: ModelCreate
+) -> dict[str, object]:
     async with create_session() as session:
-        exists = await session.get(ModelRow, payload.id)
+        provider = await session.get(UpstreamProviderRow, provider_id)
+        if not provider:
+            raise HTTPException(status_code=404, detail="Provider not found")
+
+        exists = await session.get(ModelRow, (payload.id, provider_id))
         if exists:
             raise HTTPException(
-                status_code=409, detail="Model with this ID already exists"
+                status_code=409,
+                detail="Model with this ID already exists for this provider",
             )
+
         row = ModelRow(
             id=payload.id,
             name=payload.name,
@@ -2123,7 +2330,7 @@ async def create_model_admin_api(payload: ModelCreate) -> dict[str, object]:
             top_provider=(
                 json.dumps(payload.top_provider) if payload.top_provider else None
             ),
-            upstream_provider_id=payload.upstream_provider_id,
+            upstream_provider_id=provider_id,
             enabled=payload.enabled,
         )
         session.add(row)
@@ -2131,70 +2338,29 @@ async def create_model_admin_api(payload: ModelCreate) -> dict[str, object]:
         await session.refresh(row)
 
     await refresh_model_maps()
-    return _row_to_model(row).dict()  # type: ignore
-
-
-@admin_router.post("/api/models/batch", dependencies=[Depends(require_admin_api)])
-async def batch_create_models(payload: dict[str, object]) -> dict[str, int]:
-    models = payload.get("models")
-    if not isinstance(models, list) or not models:
-        raise HTTPException(
-            status_code=400, detail="Payload must include non-empty 'models' array"
-        )
-    created = 0
-    skipped = 0
-    async with create_session() as session:
-        for m in models:
-            try:
-                model = Model(**m)  # type: ignore[arg-type]
-            except Exception:
-                skipped += 1
-                continue
-            exists = await session.get(ModelRow, model.id)
-            if exists:
-                skipped += 1
-                continue
-            pricing_dict = model.pricing.dict()
-            for k in ("max_prompt_cost", "max_completion_cost", "max_cost"):
-                pricing_dict.pop(k, None)
-            row = ModelRow(
-                id=model.id,
-                name=model.name,
-                description=model.description,
-                created=int(model.created),
-                context_length=int(model.context_length),
-                architecture=json.dumps(model.architecture.dict()),
-                pricing=json.dumps(pricing_dict),
-                sats_pricing=None,
-                per_request_limits=(
-                    json.dumps(model.per_request_limits)
-                    if model.per_request_limits is not None
-                    else None
-                ),
-                top_provider=(
-                    json.dumps(model.top_provider.dict())
-                    if model.top_provider
-                    else None
-                ),
-            )
-            session.add(row)
-            created += 1
-        if created:
-            await session.commit()
-    if created:
-        await refresh_model_maps()
-    return {"created": created, "skipped": skipped}
+    return _row_to_model(
+        row, apply_provider_fee=True, provider_fee=provider.provider_fee
+    ).dict()  # type: ignore
 
 
 @admin_router.get(
-    "/api/models/{model_id:path}", dependencies=[Depends(require_admin_api)]
+    "/api/upstream-providers/{provider_id}/models/{model_id:path}",
+    dependencies=[Depends(require_admin_api)],
 )
-async def get_model_admin_api(model_id: str) -> dict[str, object]:
+async def get_provider_model(provider_id: int, model_id: str) -> dict[str, object]:
     async with create_session() as session:
-        row = await session.get(ModelRow, model_id)
+        provider = await session.get(UpstreamProviderRow, provider_id)
+        if not provider:
+            raise HTTPException(status_code=404, detail="Provider not found")
+
+        row = await session.get(ModelRow, (model_id, provider_id))
         if not row:
-            raise HTTPException(status_code=404, detail="Model not found")
-        return _row_to_model(row).dict()  # type: ignore
+            raise HTTPException(
+                status_code=404, detail="Model not found for this provider"
+            )
+        return _row_to_model(
+            row, apply_provider_fee=True, provider_fee=provider.provider_fee
+        ).dict()  # type: ignore
 
 
 class ModelUpdate(BaseModel):
@@ -2212,18 +2378,25 @@ class ModelUpdate(BaseModel):
 
 
 @admin_router.patch(
-    "/api/models/{model_id:path}", dependencies=[Depends(require_admin_api)]
+    "/api/upstream-providers/{provider_id}/models/{model_id:path}",
+    dependencies=[Depends(require_admin_api)],
 )
-async def update_model_admin_api(
-    model_id: str, payload: ModelUpdate
+async def update_provider_model(
+    provider_id: int, model_id: str, payload: ModelUpdate
 ) -> dict[str, object]:
     if payload.id != model_id:
         raise HTTPException(status_code=400, detail="Path id does not match payload id")
 
     async with create_session() as session:
-        row = await session.get(ModelRow, model_id)
+        provider = await session.get(UpstreamProviderRow, provider_id)
+        if not provider:
+            raise HTTPException(status_code=404, detail="Provider not found")
+
+        row = await session.get(ModelRow, (model_id, provider_id))
         if not row:
-            raise HTTPException(status_code=404, detail="Model not found")
+            raise HTTPException(
+                status_code=404, detail="Model not found for this provider"
+            )
 
         row.name = payload.name
         row.description = payload.description
@@ -2240,7 +2413,6 @@ async def update_model_admin_api(
         row.top_provider = (
             json.dumps(payload.top_provider) if payload.top_provider else None
         )
-        row.upstream_provider_id = payload.upstream_provider_id
         row.enabled = payload.enabled
 
         session.add(row)
@@ -2248,33 +2420,43 @@ async def update_model_admin_api(
         await session.refresh(row)
 
     await refresh_model_maps()
-    return _row_to_model(row).dict()  # type: ignore
+    return _row_to_model(
+        row, apply_provider_fee=True, provider_fee=provider.provider_fee
+    ).dict()  # type: ignore
 
 
 @admin_router.delete(
-    "/api/models/{model_id:path}", dependencies=[Depends(require_admin_api)]
+    "/api/upstream-providers/{provider_id}/models/{model_id:path}",
+    dependencies=[Depends(require_admin_api)],
 )
-async def delete_model_admin_api(model_id: str) -> dict[str, object]:
+async def delete_provider_model(provider_id: int, model_id: str) -> dict[str, object]:
     async with create_session() as session:
-        row = await session.get(ModelRow, model_id)
+        row = await session.get(ModelRow, (model_id, provider_id))
         if not row:
-            raise HTTPException(status_code=404, detail="Model not found")
+            raise HTTPException(
+                status_code=404, detail="Model not found for this provider"
+            )
         await session.delete(row)
         await session.commit()
     await refresh_model_maps()
     return {"ok": True, "deleted_id": model_id}
 
 
-@admin_router.delete("/api/models", dependencies=[Depends(require_admin_api)])
-async def delete_all_models_admin_api() -> dict[str, object]:
+@admin_router.delete(
+    "/api/upstream-providers/{provider_id}/models",
+    dependencies=[Depends(require_admin_api)],
+)
+async def delete_all_provider_models(provider_id: int) -> dict[str, object]:
     async with create_session() as session:
-        result = await session.exec(select(ModelRow))  # type: ignore
+        result = await session.exec(
+            select(ModelRow).where(ModelRow.upstream_provider_id == provider_id)
+        )  # type: ignore
         rows = result.all()
         for row in rows:
             await session.delete(row)  # type: ignore
         await session.commit()
     await refresh_model_maps()
-    return {"ok": True, "deleted": "all"}
+    return {"ok": True, "deleted": len(rows)}
 
 
 class UpstreamProviderCreate(BaseModel):
@@ -2283,6 +2465,7 @@ class UpstreamProviderCreate(BaseModel):
     api_key: str
     api_version: str | None = None
     enabled: bool = True
+    provider_fee: float = 1.01
 
 
 class UpstreamProviderUpdate(BaseModel):
@@ -2291,6 +2474,7 @@ class UpstreamProviderUpdate(BaseModel):
     api_key: str | None = None
     api_version: str | None = None
     enabled: bool | None = None
+    provider_fee: float | None = None
 
 
 @admin_router.get("/api/upstream-providers", dependencies=[Depends(require_admin_api)])
@@ -2306,6 +2490,7 @@ async def get_upstream_providers() -> list[dict[str, object]]:
                 "api_key": "[REDACTED]" if p.api_key else "",
                 "api_version": p.api_version,
                 "enabled": p.enabled,
+                "provider_fee": p.provider_fee,
             }
             for p in providers
         ]
@@ -2332,12 +2517,14 @@ async def create_upstream_provider(
             api_key=payload.api_key,
             api_version=payload.api_version,
             enabled=payload.enabled,
+            provider_fee=payload.provider_fee,
         )
         session.add(provider)
         await session.commit()
         await session.refresh(provider)
 
     await reinitialize_upstreams()
+    await refresh_model_maps()
     return {
         "id": provider.id,
         "provider_type": provider.provider_type,
@@ -2345,6 +2532,7 @@ async def create_upstream_provider(
         "api_key": "[REDACTED]",
         "api_version": provider.api_version,
         "enabled": provider.enabled,
+        "provider_fee": provider.provider_fee,
     }
 
 
@@ -2363,6 +2551,7 @@ async def get_upstream_provider(provider_id: int) -> dict[str, object]:
             "api_key": "[REDACTED]" if provider.api_key else "",
             "api_version": provider.api_version,
             "enabled": provider.enabled,
+            "provider_fee": provider.provider_fee,
         }
 
 
@@ -2387,12 +2576,15 @@ async def update_upstream_provider(
             provider.api_version = payload.api_version
         if payload.enabled is not None:
             provider.enabled = payload.enabled
+        if payload.provider_fee is not None:
+            provider.provider_fee = payload.provider_fee
 
         session.add(provider)
         await session.commit()
         await session.refresh(provider)
 
     await reinitialize_upstreams()
+    await refresh_model_maps()
     return {
         "id": provider.id,
         "provider_type": provider.provider_type,
@@ -2400,6 +2592,7 @@ async def update_upstream_provider(
         "api_key": "[REDACTED]",
         "api_version": provider.api_version,
         "enabled": provider.enabled,
+        "provider_fee": provider.provider_fee,
     }
 
 
@@ -2414,6 +2607,7 @@ async def delete_upstream_provider(provider_id: int) -> dict[str, object]:
         await session.delete(provider)
         await session.commit()
     await reinitialize_upstreams()
+    await refresh_model_maps()
     return {"ok": True, "deleted_id": provider_id}
 
 
@@ -2437,8 +2631,11 @@ async def get_provider_models(provider_id: int) -> dict[str, object]:
         upstream_instance = _instantiate_provider(provider)
         if upstream_instance:
             try:
-                models = await upstream_instance.fetch_models()
-                remote_models = [m.dict() for m in models]
+                raw_models = await upstream_instance.fetch_models()
+                remote_models = [
+                    upstream_instance._apply_provider_fee_to_model(m).dict()
+                    for m in raw_models
+                ]
             except Exception as e:
                 logger.error(
                     f"Failed to fetch models from {provider.provider_type}: {e}"
@@ -2455,6 +2652,17 @@ async def get_provider_models(provider_id: int) -> dict[str, object]:
         }
 
 
+@admin_router.get(
+    "/api/openrouter-presets",
+    dependencies=[Depends(require_admin_api)],
+)
+async def get_openrouter_presets() -> list[dict[str, object]]:
+    from ..payment.models import async_fetch_openrouter_models
+
+    models_data = await async_fetch_openrouter_models()
+    return models_data
+
+
 DASHBOARD_CSS: str = """
 * { margin: 0; padding: 0; box-sizing: border-box; }
 body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif; background: #f5f7fa; color: #2c3e50; line-height: 1.6; padding: 2rem; }
diff --git a/routstr/core/db.py b/routstr/core/db.py
index 744d5ed1..e1319bf7 100644
--- a/routstr/core/db.py
+++ b/routstr/core/db.py
@@ -55,6 +55,9 @@ class ApiKey(SQLModel, table=True):  # type: ignore
 class ModelRow(SQLModel, table=True):  # type: ignore
     __tablename__ = "models"
     id: str = Field(primary_key=True)
+    upstream_provider_id: int = Field(
+        primary_key=True, foreign_key="upstream_providers.id", ondelete="CASCADE"
+    )
     name: str = Field()
     created: int = Field()
     description: str = Field()
@@ -65,9 +68,6 @@ class ModelRow(SQLModel, table=True):  # type: ignore
     per_request_limits: str | None = Field(default=None)
     top_provider: str | None = Field(default=None)
     enabled: bool = Field(default=True, description="Whether this model is enabled")
-    upstream_provider_id: int | None = Field(
-        default=None, foreign_key="upstream_providers.id"
-    )
     upstream_provider: "UpstreamProviderRow" = Relationship(back_populates="models")
 
 
@@ -75,7 +75,7 @@ class UpstreamProviderRow(SQLModel, table=True):  # type: ignore
     __tablename__ = "upstream_providers"
     id: int | None = Field(default=None, primary_key=True)
     provider_type: str = Field(
-        description="Provider type: generic, openai, azure, openrouter"
+        description="Provider type: custom, openai, azure, openrouter"
     )
     base_url: str = Field(unique=True, description="Base URL of the upstream API")
     api_key: str = Field(description="API key for the upstream provider")
@@ -83,7 +83,13 @@ class UpstreamProviderRow(SQLModel, table=True):  # type: ignore
         default=None, description="API version for Azure OpenAI"
     )
     enabled: bool = Field(default=True, description="Whether this provider is enabled")
-    models: list["ModelRow"] = Relationship(back_populates="upstream_provider")
+    provider_fee: float = Field(
+        default=1.01, description="Provider fee multiplier (default 1%)"
+    )
+    models: list["ModelRow"] = Relationship(
+        back_populates="upstream_provider",
+        sa_relationship_kwargs={"cascade": "all, delete-orphan"},
+    )
 
 
 async def balances_for_mint_and_unit(
diff --git a/routstr/core/main.py b/routstr/core/main.py
index b0266743..644e19d6 100644
--- a/routstr/core/main.py
+++ b/routstr/core/main.py
@@ -14,6 +14,7 @@ from ..payment.models import (
     models_router,
     update_sats_pricing,
 )
+from ..payment.price import update_prices_periodically
 from ..proxy import initialize_upstreams, proxy_router, refresh_model_maps_periodically
 from ..wallet import periodic_payout
 from .admin import admin_router
@@ -35,6 +36,7 @@ __version__ = "0.2.0-dev"
 async def lifespan(_: FastAPI) -> AsyncGenerator[None, None]:
     logger.info("Application startup initiated", extra={"version": __version__})
 
+    btc_price_task = None
     pricing_task = None
     payout_task = None
     nip91_task = None
@@ -65,11 +67,15 @@ async def lifespan(_: FastAPI) -> AsyncGenerator[None, None]:
             pass
 
         # await ensure_models_bootstrapped()
-        await initialize_upstreams()
 
+        from ..payment.price import _update_prices
         from ..proxy import get_upstreams
         from ..upstream import refresh_upstreams_models_periodically
 
+        await _update_prices()
+        await initialize_upstreams()
+
+        btc_price_task = asyncio.create_task(update_prices_periodically())
         pricing_task = asyncio.create_task(update_sats_pricing())
         if global_settings.models_refresh_interval_seconds > 0:
             models_refresh_task = asyncio.create_task(
@@ -91,6 +97,8 @@ async def lifespan(_: FastAPI) -> AsyncGenerator[None, None]:
     finally:
         logger.info("Application shutdown initiated")
 
+        if btc_price_task is not None:
+            btc_price_task.cancel()
         if pricing_task is not None:
             pricing_task.cancel()
         if payout_task is not None:
@@ -106,6 +114,8 @@ async def lifespan(_: FastAPI) -> AsyncGenerator[None, None]:
 
         try:
             tasks_to_wait = []
+            if btc_price_task is not None:
+                tasks_to_wait.append(btc_price_task)
             if pricing_task is not None:
                 tasks_to_wait.append(pricing_task)
             if payout_task is not None:
diff --git a/routstr/payment/cost_caculation.py b/routstr/payment/cost_caculation.py
index bf4b42e9..4efe13ff 100644
--- a/routstr/payment/cost_caculation.py
+++ b/routstr/payment/cost_caculation.py
@@ -3,6 +3,7 @@ import math
 from pydantic.v1 import BaseModel
 
 from ..core import get_logger
+from ..core.db import AsyncSession
 from ..core.settings import settings
 
 logger = get_logger(__name__)
@@ -25,7 +26,7 @@ class CostDataError(BaseModel):
 
 
 async def calculate_cost(
-    response_data: dict, max_cost: int, session: object | None = None
+    response_data: dict, max_cost: int, session: AsyncSession
 ) -> CostData | MaxCostData | CostDataError:
     """
     Calculate the cost of an API request based on token usage.
@@ -81,7 +82,9 @@ async def calculate_cost(
         from ..upstream import get_model_with_override
 
         upstreams = get_upstreams()
-        model_obj = await get_model_with_override(response_model, upstreams)
+        model_obj = await get_model_with_override(
+            response_model, upstreams, session=session
+        )
 
         if not model_obj:
             logger.error(
diff --git a/routstr/payment/helpers.py b/routstr/payment/helpers.py
index ef879b0a..36beff66 100644
--- a/routstr/payment/helpers.py
+++ b/routstr/payment/helpers.py
@@ -84,7 +84,7 @@ def check_token_balance(headers: dict, body: dict, max_cost_for_model: int) -> N
 
 async def get_max_cost_for_model(
     model: str,
-    session: AsyncSession | None = None,
+    session: AsyncSession,
     model_obj: Any | None = None,
 ) -> int:
     """Get the maximum cost for a specific model from providers with overrides."""
@@ -109,7 +109,7 @@ async def get_max_cost_for_model(
         from ..upstream import get_model_with_override
 
         upstreams = get_upstreams()
-        model_obj = await get_model_with_override(model, upstreams)
+        model_obj = await get_model_with_override(model, upstreams, session)
 
     if not model_obj:
         fallback_msats = settings.fixed_cost_per_request * 1000
@@ -152,10 +152,10 @@ async def get_max_cost_for_model(
 
 
 async def calculate_discounted_max_cost(
-    max_cost_for_model: int, body: dict, session: AsyncSession | None = None
+    max_cost_for_model: int, body: dict, session: AsyncSession
 ) -> int:
     """Calculate the discounted max cost for a request using model pricing when available."""
-    if settings.fixed_pricing or session is None:
+    if settings.fixed_pricing:
         return max_cost_for_model
 
     model = body.get("model", "unknown")
@@ -215,9 +215,7 @@ def estimate_tokens(messages: list) -> int:
     return len(str(messages)) // 3
 
 
-async def get_model_cost_info(
-    model_id: str, session: AsyncSession | None = None
-) -> Pricing | None:
+async def get_model_cost_info(model_id: str, session: AsyncSession) -> Pricing | None:
     """Get model pricing info from providers with database overrides."""
     if not model_id or model_id == "unknown":
         return None
@@ -226,7 +224,7 @@ async def get_model_cost_info(
     from ..upstream import get_model_with_override
 
     upstreams = get_upstreams()
-    model_obj = await get_model_with_override(model_id, upstreams)
+    model_obj = await get_model_with_override(model_id, upstreams, session)
 
     if model_obj and model_obj.sats_pricing:
         return model_obj.sats_pricing
diff --git a/routstr/payment/models.py b/routstr/payment/models.py
index a5b0755e..90d56581 100644
--- a/routstr/payment/models.py
+++ b/routstr/payment/models.py
@@ -13,7 +13,7 @@ from sqlmodel.ext.asyncio.session import AsyncSession
 from ..core.db import ModelRow, create_session, get_session
 from ..core.logging import get_logger
 from ..core.settings import settings
-from .price import sats_usd_ask_price
+from .price import sats_usd_price
 
 logger = get_logger(__name__)
 
@@ -201,46 +201,56 @@ def load_models() -> list[Model]:
     return [Model(**model) for model in models_data]  # type: ignore
 
 
-def _row_to_model(row: ModelRow) -> Model:
+def _row_to_model(
+    row: ModelRow, apply_provider_fee: bool = False, provider_fee: float = 1.01
+) -> Model:
     architecture = json.loads(row.architecture)
     pricing = json.loads(row.pricing)
-    sats_pricing = json.loads(row.sats_pricing) if row.sats_pricing else None
     per_request_limits = (
         json.loads(row.per_request_limits) if row.per_request_limits else None
     )
-    top_provider = json.loads(row.top_provider) if row.top_provider else None
+    top_provider_dict = json.loads(row.top_provider) if row.top_provider else None
 
-    # Enforce minimum per-request fee on free/zero-priced models in API output
-    try:
-        if isinstance(pricing, dict):
-            if float(pricing.get("request", 0.0)) <= 0.0:
-                pricing["request"] = max(pricing.get("request", 0.0), 0.0)
-        if isinstance(sats_pricing, dict):
-            if float(sats_pricing.get("request", 0.0)) <= 0.0:
-                # Convert min_request_msat to sats for sats_pricing fields that are in sats
-                sats_min = max(1, int(settings.min_request_msat)) / 1000.0
-                sats_pricing["request"] = max(
-                    sats_pricing.get("request", 0.0), sats_min
-                )
-    except Exception:
-        pass
+    if apply_provider_fee and isinstance(pricing, dict):
+        pricing = {k: float(v) * provider_fee for k, v in pricing.items()}
 
-    return Model(
+    if isinstance(pricing, dict) and float(pricing.get("request", 0.0)) <= 0.0:
+        pricing["request"] = max(pricing.get("request", 0.0), 0.0)
+
+    parsed_pricing = Pricing.parse_obj(pricing)
+    model = Model(
         id=row.id,
         name=row.name,
         created=row.created,
         description=row.description,
         context_length=row.context_length,
         architecture=Architecture.parse_obj(architecture),
-        pricing=Pricing.parse_obj(pricing),
-        sats_pricing=Pricing.parse_obj(sats_pricing) if sats_pricing else None,
+        pricing=parsed_pricing,
+        sats_pricing=None,
         per_request_limits=per_request_limits,
-        top_provider=TopProvider.parse_obj(top_provider) if top_provider else None,
+        top_provider=TopProvider.parse_obj(top_provider_dict)
+        if top_provider_dict
+        else None,
         enabled=row.enabled,
         upstream_provider_id=row.upstream_provider_id,
         canonical_slug=getattr(row, "canonical_slug", None),
     )
 
+    if apply_provider_fee:
+        (
+            parsed_pricing.max_prompt_cost,
+            parsed_pricing.max_completion_cost,
+            parsed_pricing.max_cost,
+        ) = _calculate_usd_max_costs(model)
+
+    try:
+        sats_to_usd = sats_usd_price()
+        model = _update_model_sats_pricing(model, sats_to_usd)
+    except Exception as e:
+        logger.warning(f"Could not calculate sats pricing: {e}")
+
+    return model
+
 
 def _model_to_row_payload(model: Model) -> dict[str, str | int | bool | None]:
     return {
@@ -266,33 +276,100 @@ def _model_to_row_payload(model: Model) -> dict[str, str | int | bool | None]:
 
 
 async def list_models(
-    session: AsyncSession | None = None,
-    upstream_id: int | None = None,
+    session: AsyncSession,
+    upstream_id: int,
     include_disabled: bool = False,
 ) -> list[Model]:
     from sqlmodel import select
 
+    from ..core.db import UpstreamProviderRow
+
     query = select(ModelRow)
     if upstream_id is not None:
         query = query.where(ModelRow.upstream_provider_id == upstream_id)
     if not include_disabled:
         query = query.where(ModelRow.enabled)
 
-    if session is not None:
-        return [_row_to_model(r) for r in (await session.exec(query)).all()]  # type: ignore
-    async with create_session() as s:
-        return [_row_to_model(r) for r in (await s.exec(query)).all()]  # type: ignore
+    rows = (await session.exec(query)).all()  # type: ignore
+    provider_result = await session.exec(select(UpstreamProviderRow))
+    providers_by_id = {p.id: p for p in provider_result.all()}
+    return [
+        _row_to_model(
+            r,
+            apply_provider_fee=True,
+            provider_fee=providers_by_id[r.upstream_provider_id].provider_fee
+            if r.upstream_provider_id in providers_by_id
+            else 1.01,
+        )
+        for r in rows
+    ]
 
 
 async def get_model_by_id(
-    model_id: str, session: AsyncSession | None = None
+    model_id: str, provider_id: int, session: AsyncSession
 ) -> Model | None:
-    if session is not None:
-        row = await session.get(ModelRow, model_id)
-        return _row_to_model(row) if row and row.enabled else None
-    async with create_session() as s:
-        row = await s.get(ModelRow, model_id)
-        return _row_to_model(row) if row and row.enabled else None
+    from ..core.db import UpstreamProviderRow
+
+    row = await session.get(ModelRow, (model_id, provider_id))
+    if not row or not row.enabled:
+        return None
+    provider = await session.get(UpstreamProviderRow, provider_id)
+    provider_fee = provider.provider_fee if provider else 1.01
+    return _row_to_model(row, apply_provider_fee=True, provider_fee=provider_fee)
+
+
+def _calculate_usd_max_costs(model: Model) -> tuple[float, float, float]:
+    """Calculate max costs in USD based on model context/token limits.
+
+    Args:
+        model: Model object
+
+    Returns:
+        Tuple of (max_prompt_cost, max_completion_cost, max_cost) in USD
+    """
+    min_req_msat = max(1, int(getattr(settings, "min_request_msat", 1)))
+    min_req_usd = float(min_req_msat) / 1_000_000.0
+
+    prompt_price = model.pricing.prompt
+    completion_price = model.pricing.completion
+
+    if model.top_provider and (
+        model.top_provider.context_length or model.top_provider.max_completion_tokens
+    ):
+        if (cl := model.top_provider.context_length) and (
+            mct := model.top_provider.max_completion_tokens
+        ):
+            return (
+                (cl - mct) * prompt_price,
+                mct * completion_price,
+                (cl - mct) * prompt_price + mct * completion_price,
+            )
+        elif cl := model.top_provider.context_length:
+            return (
+                cl * 0.8 * prompt_price,
+                cl * 0.2 * completion_price,
+                cl * prompt_price,
+            )
+        elif mct := model.top_provider.max_completion_tokens:
+            return (
+                mct * 4 * prompt_price,
+                mct * completion_price,
+                mct * 5 * prompt_price,
+            )
+    elif model.context_length:
+        return (
+            model.context_length * 0.8 * prompt_price,
+            model.context_length * 0.2 * completion_price,
+            model.context_length * prompt_price,
+        )
+
+    p = prompt_price * 1_000_000
+    c = completion_price * 32_000
+    r = model.pricing.request * 100_000
+    i = model.pricing.image * 100
+    w = model.pricing.web_search * 1000
+    ir = model.pricing.internal_reasoning * 100
+    return (p, c, max(p + c + r + i + w + ir, min_req_usd))
 
 
 def _update_model_sats_pricing(model: Model, sats_to_usd: float) -> Model:
@@ -306,59 +383,15 @@ def _update_model_sats_pricing(model: Model, sats_to_usd: float) -> Model:
         Updated Model object with new sats_pricing
     """
     try:
+        min_req_msat = max(1, int(getattr(settings, "min_request_msat", 1)))
+        min_req_sats = float(min_req_msat) / 1000.0
+
         sats = Pricing.parse_obj(
             {k: v / sats_to_usd for k, v in model.pricing.dict().items()}
         )
 
-        min_req_msat = max(1, int(getattr(settings, "min_request_msat", 1)))
-        min_req_sats = float(min_req_msat) / 1000.0
         if sats.request <= 0.0:
             sats.request = min_req_sats
-
-        mspp = sats.prompt
-        mspc = sats.completion
-
-        if model.top_provider and (
-            model.top_provider.context_length
-            or model.top_provider.max_completion_tokens
-        ):
-            if (cl := model.top_provider.context_length) and (
-                mct := model.top_provider.max_completion_tokens
-            ):
-                max_prompt_cost = (cl - mct) * mspp
-                max_completion_cost = mct * mspc
-                sats.max_prompt_cost = max_prompt_cost
-                sats.max_completion_cost = max_completion_cost
-                sats.max_cost = max_prompt_cost + max_completion_cost
-            elif cl := model.top_provider.context_length:
-                max_prompt_cost = cl * 0.8 * mspp
-                max_completion_cost = cl * 0.2 * mspc
-                sats.max_prompt_cost = max_prompt_cost
-                sats.max_completion_cost = max_completion_cost
-                sats.max_cost = max_prompt_cost + max_completion_cost
-            elif mct := model.top_provider.max_completion_tokens:
-                max_prompt_cost = mct * 4 * mspp
-                max_completion_cost = mct * mspc
-                sats.max_prompt_cost = max_prompt_cost
-                sats.max_completion_cost = max_completion_cost
-                sats.max_cost = max_prompt_cost + max_completion_cost
-        elif model.context_length:
-            max_prompt_cost = mspp * model.context_length * 0.8
-            max_completion_cost = mspc * model.context_length * 0.2
-            sats.max_prompt_cost = max_prompt_cost
-            sats.max_completion_cost = max_completion_cost
-            sats.max_cost = max_prompt_cost + max_completion_cost
-        else:
-            p = mspp * 1_000_000
-            c = mspc * 32_000
-            r = sats.request * 100_000
-            i = sats.image * 100
-            w = sats.web_search * 1000
-            ir = sats.internal_reasoning * 100
-            sats.max_prompt_cost = p
-            sats.max_completion_cost = c
-            sats.max_cost = p + c + r + i + w + ir
-
         if (sats.max_cost or 0.0) < min_req_sats:
             sats.max_cost = min_req_sats
 
@@ -373,6 +406,9 @@ def _update_model_sats_pricing(model: Model, sats_to_usd: float) -> Model:
             sats_pricing=sats,
             per_request_limits=model.per_request_limits,
             top_provider=model.top_provider,
+            enabled=model.enabled,
+            upstream_provider_id=model.upstream_provider_id,
+            canonical_slug=model.canonical_slug,
         )
     except Exception as e:
         logger.error(
@@ -438,14 +474,13 @@ async def ensure_models_bootstrapped() -> None:
 
 
 async def _update_sats_pricing_once() -> None:
-    """Update sats pricing once for all provider models and database overrides."""
+    """Update sats pricing once for all provider models (in-memory only)."""
     from ..proxy import get_upstreams
 
-    sats_to_usd = await sats_usd_ask_price()
     upstreams = get_upstreams()
+    sats_to_usd = sats_usd_price()
 
     updated_count = 0
-
     for upstream in upstreams:
         updated_models = [
             _update_model_sats_pricing(m, sats_to_usd)
@@ -455,103 +490,8 @@ async def _update_sats_pricing_once() -> None:
         upstream._models_by_id = {m.id: m for m in updated_models}
         updated_count += len(updated_models)
 
-    async with create_session() as s:
-        result = await s.exec(
-            select(ModelRow).where(ModelRow.upstream_provider_id.isnot(None))  # type: ignore
-        )  # type: ignore
-        rows = result.all()
-        changed = 0
-        for row in rows:
-            try:
-                pricing = Pricing.parse_obj(json.loads(row.pricing))
-                top_provider = (
-                    TopProvider.parse_obj(json.loads(row.top_provider))
-                    if row.top_provider
-                    else None
-                )
-                sats = Pricing.parse_obj(
-                    {k: v / sats_to_usd for k, v in pricing.dict().items()}
-                )
-                min_req_msat = max(1, int(getattr(settings, "min_request_msat", 1)))
-                min_req_sats = float(min_req_msat) / 1000.0
-                if sats.request <= 0.0:
-                    sats.request = min_req_sats
-                mspp = sats.prompt
-                mspc = sats.completion
-                if top_provider and (
-                    top_provider.context_length or top_provider.max_completion_tokens
-                ):
-                    if (cl := top_provider.context_length) and (
-                        mct := top_provider.max_completion_tokens
-                    ):
-                        max_prompt_cost = (cl - mct) * mspp
-                        max_completion_cost = mct * mspc
-                        sats.max_prompt_cost = max_prompt_cost
-                        sats.max_completion_cost = max_completion_cost
-                        sats.max_cost = max_prompt_cost + max_completion_cost
-                    elif cl := top_provider.context_length:
-                        max_prompt_cost = cl * 0.8 * mspp
-                        max_completion_cost = cl * 0.2 * mspc
-                        sats.max_prompt_cost = max_prompt_cost
-                        sats.max_completion_cost = max_completion_cost
-                        sats.max_cost = max_prompt_cost + max_completion_cost
-                    elif mct := top_provider.max_completion_tokens:
-                        max_prompt_cost = mct * 4 * mspp
-                        max_completion_cost = mct * mspc
-                        sats.max_prompt_cost = max_prompt_cost
-                        sats.max_completion_cost = max_completion_cost
-                        sats.max_cost = max_prompt_cost + max_completion_cost
-                    else:
-                        max_prompt_cost = 1_000_000 * mspp
-                        max_completion_cost = 32_000 * mspc
-                        sats.max_prompt_cost = max_prompt_cost
-                        sats.max_completion_cost = max_completion_cost
-                        sats.max_cost = max_prompt_cost + max_completion_cost
-                elif row.context_length:
-                    max_prompt_cost = mspp * row.context_length * 0.8
-                    max_completion_cost = mspc * row.context_length * 0.2
-                    sats.max_prompt_cost = max_prompt_cost
-                    sats.max_completion_cost = max_completion_cost
-                    sats.max_cost = max_prompt_cost + max_completion_cost
-                else:
-                    p = mspp * 1_000_000
-                    c = mspc * 32_000
-                    r = sats.request * 100_000
-                    i = sats.image * 100
-                    w = sats.web_search * 1000
-                    ir = sats.internal_reasoning * 100
-                    sats.max_prompt_cost = p
-                    sats.max_completion_cost = c
-                    sats.max_cost = p + c + r + i + w + ir
-
-                if (sats.max_cost or 0.0) < min_req_sats:
-                    sats.max_cost = min_req_sats
-
-                new_json = json.dumps(sats.dict())
-                if row.sats_pricing != new_json:
-                    row.sats_pricing = new_json
-                    s.add(row)
-                    changed += 1
-            except Exception as per_row_error:
-                logger.error(
-                    "Failed to update pricing for model",
-                    extra={
-                        "model_id": row.id,
-                        "error": str(per_row_error),
-                        "error_type": type(per_row_error).__name__,
-                    },
-                )
-        if changed:
-            await s.commit()
-
-    if updated_count > 0 or changed > 0:
-        logger.info(
-            "Updated sats pricing",
-            extra={
-                "provider_models_updated": updated_count,
-                "database_overrides_updated": changed,
-            },
-        )
+    if updated_count > 0:
+        logger.info("Updated sats pricing", extra={"models_updated": updated_count})
 
 
 async def update_sats_pricing() -> None:
diff --git a/routstr/payment/price.py b/routstr/payment/price.py
index 850e7ffe..d4ff55e9 100644
--- a/routstr/payment/price.py
+++ b/routstr/payment/price.py
@@ -1,4 +1,5 @@
 import asyncio
+import random
 
 import httpx
 
@@ -7,12 +8,11 @@ from ..core.settings import settings
 
 logger = get_logger(__name__)
 
-
-def _fees() -> tuple[float, float]:
-    return settings.exchange_fee, settings.upstream_provider_fee
+BTC_USD_PRICE: float | None = None
+SATS_USD_PRICE: float | None = None
 
 
-async def kraken_btc_usd(client: httpx.AsyncClient) -> float | None:
+async def _kraken_btc_usd(client: httpx.AsyncClient) -> float | None:
     """Fetch BTC/USD price from Kraken API."""
     api = "https://api.kraken.com/0/public/Ticker?pair=XBTUSD"
     try:
@@ -33,7 +33,7 @@ async def kraken_btc_usd(client: httpx.AsyncClient) -> float | None:
         return None
 
 
-async def coinbase_btc_usd(client: httpx.AsyncClient) -> float | None:
+async def _coinbase_btc_usd(client: httpx.AsyncClient) -> float | None:
     """Fetch BTC/USD price from Coinbase API."""
     api = "https://api.coinbase.com/v2/prices/BTC-USD/spot"
     try:
@@ -54,7 +54,7 @@ async def coinbase_btc_usd(client: httpx.AsyncClient) -> float | None:
         return None
 
 
-async def binance_btc_usdt(client: httpx.AsyncClient) -> float | None:
+async def _binance_btc_usdt(client: httpx.AsyncClient) -> float | None:
     """Fetch BTC/USDT price from Binance API."""
     api = "https://api.binance.com/api/v3/ticker/price?symbol=BTCUSDT"
     try:
@@ -75,28 +75,20 @@ async def binance_btc_usdt(client: httpx.AsyncClient) -> float | None:
         return None
 
 
-async def btc_usd_ask_price() -> float:
-    """Get the lowest BTC/USD price from multiple exchanges with fee adjustment."""
-
+async def _fetch_btc_usd_price() -> float:
+    """Fetch the lowest BTC/USD price from multiple exchanges."""
     async with httpx.AsyncClient(timeout=30.0) as client:
         try:
             prices = await asyncio.gather(
-                kraken_btc_usd(client),
-                coinbase_btc_usd(client),
-                binance_btc_usdt(client),
+                _kraken_btc_usd(client),
+                _coinbase_btc_usd(client),
+                _binance_btc_usdt(client),
             )
-
             valid_prices = [price for price in prices if price is not None]
-
             if not valid_prices:
                 logger.error("No valid BTC prices obtained from any exchange")
                 raise ValueError("Unable to fetch BTC price from any exchange")
-
-            min_price = min(valid_prices)
-            exchange_fee, provider_fee = _fees()
-            final_price = min_price / (exchange_fee * provider_fee)
-            return final_price
-
+            return min(valid_prices)
         except Exception as e:
             logger.error(
                 "Error in BTC price aggregation",
@@ -105,18 +97,59 @@ async def btc_usd_ask_price() -> float:
             raise
 
 
-async def sats_usd_ask_price() -> float:
-    """Get the USD price per satoshi."""
+async def _update_prices() -> None:
+    """Update global BTC and SATS price variables."""
+    global BTC_USD_PRICE, SATS_USD_PRICE
+    btc_price = await _fetch_btc_usd_price()
+    BTC_USD_PRICE = btc_price
+    SATS_USD_PRICE = btc_price / 100_000_000
+    logger.info(
+        "Updated BTC/USD price",
+        extra={"btc_usd": btc_price, "sats_usd": SATS_USD_PRICE},
+    )
 
+
+def btc_usd_price() -> float:
+    """Get the current BTC/USD price."""
+    if BTC_USD_PRICE is None:
+        raise ValueError("BTC price not initialized")
+    return BTC_USD_PRICE
+
+
+def sats_usd_price() -> float:
+    """Get the current USD price per satoshi."""
+    if SATS_USD_PRICE is None:
+        raise ValueError("SATS price not initialized")
+    return SATS_USD_PRICE
+
+
+async def update_prices_periodically() -> None:
+    """Background task to periodically update BTC and SATS prices."""
     try:
-        btc_price = await btc_usd_ask_price()
-        sats_price = btc_price / 100_000_000
+        if not settings.enable_pricing_refresh:
+            return
+    except Exception:
+        pass
 
-        return sats_price
+    await _update_prices()
 
-    except Exception as e:
-        logger.error(
-            "Error calculating satoshi price",
-            extra={"error": str(e), "error_type": type(e).__name__},
-        )
-        raise
+    while True:
+        try:
+            interval = getattr(settings, "pricing_refresh_interval_seconds", 120)
+            jitter = max(0.0, float(interval) * 0.1)
+            await asyncio.sleep(interval + random.uniform(0, jitter))
+        except asyncio.CancelledError:
+            break
+
+        try:
+            if not settings.enable_pricing_refresh:
+                return
+        except Exception:
+            pass
+
+        try:
+            await _update_prices()
+        except asyncio.CancelledError:
+            break
+        except Exception as e:
+            logger.error(f"Error updating BTC/SATS prices: {e}")
diff --git a/routstr/proxy.py b/routstr/proxy.py
index 736d8bc4..17e75f6f 100644
--- a/routstr/proxy.py
+++ b/routstr/proxy.py
@@ -7,7 +7,14 @@ from sqlmodel import select
 
 from .auth import pay_for_request, revert_pay_for_request, validate_bearer_key
 from .core import get_logger
-from .core.db import ApiKey, AsyncSession, ModelRow, create_session, get_session
+from .core.db import (
+    ApiKey,
+    AsyncSession,
+    ModelRow,
+    UpstreamProviderRow,
+    create_session,
+    get_session,
+)
 from .payment.helpers import (
     calculate_discounted_max_cost,
     check_token_balance,
@@ -82,8 +89,19 @@ async def refresh_model_maps() -> None:
     async with create_session() as session:
         result = await session.exec(select(ModelRow).where(ModelRow.enabled))
         override_rows = result.all()
-        overrides_by_id = {
-            row.id: row for row in override_rows if row.upstream_provider_id is not None
+
+        provider_result = await session.exec(select(UpstreamProviderRow))
+        providers_by_id = {p.id: p for p in provider_result.all()}
+
+        overrides_by_id: dict[str, tuple[ModelRow, float]] = {
+            row.id: (
+                row,
+                providers_by_id[row.upstream_provider_id].provider_fee
+                if row.upstream_provider_id in providers_by_id
+                else 1.01,
+            )
+            for row in override_rows
+            if row.upstream_provider_id is not None
         }
 
     for upstream in _upstreams:
@@ -99,15 +117,20 @@ async def refresh_model_maps() -> None:
     if openrouter:
         for model in openrouter.get_cached_models():
             if model.enabled:
-                model_to_use = (
-                    _row_to_model(overrides_by_id[model.id])
-                    if model.id in overrides_by_id
-                    else model
-                )
+                if model.id in overrides_by_id:
+                    override_row, provider_fee = overrides_by_id[model.id]
+                    model_to_use = _row_to_model(
+                        override_row, apply_provider_fee=True, provider_fee=provider_fee
+                    )
+                else:
+                    model_to_use = model
                 base_id = get_base_model_id(model_to_use.id)
                 if base_id not in unique_models:
-                    unique_models[base_id] = model_to_use
-                for alias in resolve_model_alias(model.id, model_to_use.canonical_slug):
+                    unique_model = model_to_use.copy(update={"id": base_id})
+                    unique_models[base_id] = unique_model
+                for alias in resolve_model_alias(
+                    model_to_use.id, model_to_use.canonical_slug
+                ):
                     model_instances[alias] = model_to_use
                     provider_map[alias] = openrouter
 
@@ -115,18 +138,23 @@ async def refresh_model_maps() -> None:
         upstream_prefix = getattr(upstream, "upstream_name", None)
         for model in upstream.get_cached_models():
             if model.enabled:
-                model_to_use = (
-                    _row_to_model(overrides_by_id[model.id])
-                    if model.id in overrides_by_id
-                    else model
-                )
+                if model.id in overrides_by_id:
+                    override_row, provider_fee = overrides_by_id[model.id]
+                    model_to_use = _row_to_model(
+                        override_row, apply_provider_fee=True, provider_fee=provider_fee
+                    )
+                else:
+                    model_to_use = model
                 base_id = get_base_model_id(model_to_use.id)
-                unique_models[base_id] = model_to_use
+                unique_model = model_to_use.copy(update={"id": base_id})
+                unique_models[base_id] = unique_model
 
-                aliases = resolve_model_alias(model.id, model_to_use.canonical_slug)
+                aliases = resolve_model_alias(
+                    model_to_use.id, model_to_use.canonical_slug
+                )
 
-                if upstream_prefix and "/" not in model.id:
-                    prefixed_id = f"{upstream_prefix}/{model.id}"
+                if upstream_prefix and "/" not in model_to_use.id:
+                    prefixed_id = f"{upstream_prefix}/{model_to_use.id}"
                     if prefixed_id not in aliases:
                         aliases.append(prefixed_id)
 
diff --git a/routstr/upstream.py b/routstr/upstream.py
index d9edfa1a..e247cf4e 100644
--- a/routstr/upstream.py
+++ b/routstr/upstream.py
@@ -1,6 +1,7 @@
 from __future__ import annotations
 
 import json
+import os
 import re
 import traceback
 from collections.abc import AsyncGenerator
@@ -90,8 +91,19 @@ async def get_all_models_with_overrides(
     async with create_session() as session:
         result = await session.exec(select(ModelRow).where(ModelRow.enabled))
         override_rows = result.all()
-        overrides_by_id = {
-            row.id: row for row in override_rows if row.upstream_provider_id is not None
+
+        provider_result = await session.exec(select(UpstreamProviderRow))
+        providers_by_id = {p.id: p for p in provider_result.all()}
+
+        overrides_by_id: dict[str, tuple[ModelRow, float]] = {
+            row.id: (
+                row,
+                providers_by_id[row.upstream_provider_id].provider_fee
+                if row.upstream_provider_id in providers_by_id
+                else 1.01,
+            )
+            for row in override_rows
+            if row.upstream_provider_id is not None
         }
 
     all_models: dict[str, Model] = {}
@@ -99,7 +111,10 @@ async def get_all_models_with_overrides(
     for upstream in upstreams:
         for model in upstream.get_cached_models():
             if model.id in overrides_by_id:
-                all_models[model.id] = _row_to_model(overrides_by_id[model.id])
+                override_row, provider_fee = overrides_by_id[model.id]
+                all_models[model.id] = _row_to_model(
+                    override_row, apply_provider_fee=True, provider_fee=provider_fee
+                )
             elif model.enabled:
                 all_models[model.id] = model
 
@@ -109,6 +124,7 @@ async def get_all_models_with_overrides(
 async def get_model_with_override(
     model_id: str,
     upstreams: list[UpstreamProvider],
+    session: AsyncSession,
 ) -> Model | None:
     """Get a specific model from providers with database override applied.
 
@@ -127,18 +143,23 @@ async def get_model_with_override(
 
     aliases = resolve_model_alias(model_id)
 
-    async with create_session() as session:
-        for alias in aliases:
-            result = await session.exec(
-                select(ModelRow).where(
-                    ModelRow.id == alias,
-                    ModelRow.upstream_provider_id.isnot(None),  # type: ignore
-                    ModelRow.enabled,
-                )
+    for alias in aliases:
+        result = await session.exec(
+            select(ModelRow).where(
+                ModelRow.id == alias,
+                ModelRow.upstream_provider_id.isnot(None),  # type: ignore
+                ModelRow.enabled,
+            )
+        )
+        override_row = result.first()
+        if override_row:
+            provider = await session.get(
+                UpstreamProviderRow, override_row.upstream_provider_id
+            )
+            provider_fee = provider.provider_fee if provider else 1.01
+            return _row_to_model(
+                override_row, apply_provider_fee=True, provider_fee=provider_fee
             )
-            override_row = result.first()
-            if override_row:
-                return _row_to_model(override_row)
 
     for alias in aliases:
         for upstream in upstreams:
@@ -192,9 +213,6 @@ async def refresh_upstreams_models_periodically(
             break
 
 
-import os
-
-
 async def init_upstreams() -> list[UpstreamProvider]:
     """Initialize upstream providers from database.
 
@@ -355,7 +373,7 @@ async def _seed_providers_from_settings(
                 else:
                     providers_to_add.append(
                         UpstreamProviderRow(
-                            provider_type="generic",
+                            provider_type="custom",
                             base_url=base_url,
                             api_key=settings.upstream_api_key,
                             enabled=True,
@@ -382,7 +400,9 @@ def _instantiate_provider(provider_row: UpstreamProviderRow) -> UpstreamProvider
     """
     try:
         if provider_row.provider_type == "openai":
-            return OpenAIUpstreamProvider(provider_row.api_key)
+            return OpenAIUpstreamProvider(
+                provider_row.api_key, provider_row.provider_fee
+            )
         elif provider_row.provider_type == "azure":
             if not provider_row.api_version:
                 logger.error(
@@ -394,11 +414,16 @@ def _instantiate_provider(provider_row: UpstreamProviderRow) -> UpstreamProvider
                 provider_row.base_url,
                 provider_row.api_key,
                 provider_row.api_version,
+                provider_row.provider_fee,
             )
         elif provider_row.provider_type == "openrouter":
-            return OpenRouterUpstreamProvider(provider_row.api_key)
-        elif provider_row.provider_type == "generic":
-            return UpstreamProvider(provider_row.base_url, provider_row.api_key)
+            return OpenRouterUpstreamProvider(
+                provider_row.api_key, provider_row.provider_fee
+            )
+        elif provider_row.provider_type == "custom":
+            return UpstreamProvider(
+                provider_row.base_url, provider_row.api_key, provider_row.provider_fee
+            )
         else:
             logger.error(
                 f"Unknown provider type: {provider_row.provider_type}",
@@ -423,18 +448,21 @@ class UpstreamProvider:
     base_url: str
     api_key: str
     upstream_name: str | None = None
+    provider_fee: float = 1.05
     _models_cache: list[Model] = []
     _models_by_id: dict[str, Model] = {}
 
-    def __init__(self, base_url: str, api_key: str):
+    def __init__(self, base_url: str, api_key: str, provider_fee: float = 1.01):
         """Initialize the upstream provider.
 
         Args:
             base_url: Base URL of the upstream API endpoint
             api_key: API key for authenticating with the upstream service
+            provider_fee: Provider fee multiplier (default 1.01 for 1% fee)
         """
         self.base_url = base_url
         self.api_key = api_key
+        self.provider_fee = provider_fee
         self._models_cache = []
         self._models_by_id = {}
 
@@ -1973,6 +2001,59 @@ class UpstreamProvider:
                 token=x_cashu_token,
             )
 
+    def _apply_provider_fee_to_model(self, model: Model) -> Model:
+        """Apply provider fee to model's USD pricing and calculate max costs.
+
+        Args:
+            model: Model object to update
+
+        Returns:
+            Model with provider fee applied to pricing and max costs calculated
+        """
+        from .payment.models import Pricing, _calculate_usd_max_costs
+
+        adjusted_pricing = Pricing.parse_obj(
+            {k: v * self.provider_fee for k, v in model.pricing.dict().items()}
+        )
+
+        temp_model = Model(
+            id=model.id,
+            name=model.name,
+            created=model.created,
+            description=model.description,
+            context_length=model.context_length,
+            architecture=model.architecture,
+            pricing=adjusted_pricing,
+            sats_pricing=None,
+            per_request_limits=model.per_request_limits,
+            top_provider=model.top_provider,
+            enabled=model.enabled,
+            upstream_provider_id=model.upstream_provider_id,
+            canonical_slug=model.canonical_slug,
+        )
+
+        (
+            adjusted_pricing.max_prompt_cost,
+            adjusted_pricing.max_completion_cost,
+            adjusted_pricing.max_cost,
+        ) = _calculate_usd_max_costs(temp_model)
+
+        return Model(
+            id=model.id,
+            name=model.name,
+            created=model.created,
+            description=model.description,
+            context_length=model.context_length,
+            architecture=model.architecture,
+            pricing=adjusted_pricing,
+            sats_pricing=model.sats_pricing,
+            per_request_limits=model.per_request_limits,
+            top_provider=model.top_provider,
+            enabled=model.enabled,
+            upstream_provider_id=model.upstream_provider_id,
+            canonical_slug=model.canonical_slug,
+        )
+
     async def fetch_models(self) -> list[Model]:
         """Fetch available models from upstream API and update cache.
 
@@ -1985,9 +2066,21 @@ class UpstreamProvider:
     async def refresh_models_cache(self) -> None:
         """Refresh the in-memory models cache from upstream API."""
         try:
+            from .payment.models import _update_model_sats_pricing
+            from .payment.price import sats_usd_price
+
             models = await self.fetch_models()
-            self._models_cache = models
-            self._models_by_id = {m.id: m for m in models}
+            models_with_fees = [self._apply_provider_fee_to_model(m) for m in models]
+
+            try:
+                sats_to_usd = sats_usd_price()
+                self._models_cache = [
+                    _update_model_sats_pricing(m, sats_to_usd) for m in models_with_fees
+                ]
+            except Exception:
+                self._models_cache = models_with_fees
+
+            self._models_by_id = {m.id: m for m in self._models_cache}
             logger.info(
                 f"Refreshed models cache for {self.upstream_name or self.base_url}",
                 extra={"model_count": len(models)},
@@ -2021,9 +2114,13 @@ class UpstreamProvider:
 class OpenAIUpstreamProvider(UpstreamProvider):
     """Upstream provider specifically configured for OpenAI API."""
 
-    def __init__(self, api_key: str):
+    def __init__(self, api_key: str, provider_fee: float = 1.01):
         self.upstream_name = "openai"
-        super().__init__(base_url="https://api.openai.com/v1", api_key=api_key)
+        super().__init__(
+            base_url="https://api.openai.com/v1",
+            api_key=api_key,
+            provider_fee=provider_fee,
+        )
 
     def transform_model_name(self, model_id: str) -> str:
         """Strip 'openai/' prefix for OpenAI API compatibility."""
@@ -2038,15 +2135,26 @@ class OpenAIUpstreamProvider(UpstreamProvider):
 class AzureUpstreamProvider(UpstreamProvider):
     """Upstream provider specifically configured for Azure OpenAI Service."""
 
-    def __init__(self, base_url: str, api_key: str, api_version: str):
+    def __init__(
+        self,
+        base_url: str,
+        api_key: str,
+        api_version: str,
+        provider_fee: float = 1.01,
+    ):
         """Initialize Azure provider with API key and version.
 
         Args:
             base_url: Azure OpenAI endpoint base URL
             api_key: Azure OpenAI API key for authentication
             api_version: Azure OpenAI API version (e.g., "2024-02-15-preview")
+            provider_fee: Provider fee multiplier (default 1.01 for 1% fee)
         """
-        super().__init__(base_url=base_url, api_key=api_key)
+        super().__init__(
+            base_url=base_url,
+            api_key=api_key,
+            provider_fee=provider_fee,
+        )
         self.api_version = api_version
 
     def prepare_params(
@@ -2070,14 +2178,19 @@ class AzureUpstreamProvider(UpstreamProvider):
 class OpenRouterUpstreamProvider(UpstreamProvider):
     """Upstream provider specifically configured for OpenRouter API."""
 
-    def __init__(self, api_key: str):
+    def __init__(self, api_key: str, provider_fee: float = 1.06):
         """Initialize OpenRouter provider with API key.
 
         Args:
             api_key: OpenRouter API key for authentication
+            provider_fee: Provider fee multiplier (default 1.06 for 6% fee)
         """
         self.upstream_name = "openrouter"
-        super().__init__(base_url="https://openrouter.ai/api/v1", api_key=api_key)
+        super().__init__(
+            base_url="https://openrouter.ai/api/v1",
+            api_key=api_key,
+            provider_fee=provider_fee,
+        )
 
     async def fetch_models(self) -> list[Model]:
         """Fetch all OpenRouter models."""