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Yes — Swan’s own announcement says you can opt out of Swan Private entirely.
If you do nothing and stay in Swan Private after July 1, 2025, you will be charged $25/month, unless you meet one of the fee-waiver conditions (Swan IRA, Swan Vault, or ≥1 BTC in Swan Safe).
If you opt out: • You drop down to the Swan Premium tier, which has no monthly platform fee. • You’ll lose the dedicated advisor, priority support, and concierge-style service that Swan Private offers. • Your core account features, custody, and purchase capabilities remain intact.
It is basically a downgrade from “white-glove” to “self-service,” but avoids the $25 monthly charge.
If you want, I can give you the exact steps in your Swan dashboard to switch from Private to Premium before the fee kicks in.