diff --git a/.changeset/violet-insects-sleep.md b/.changeset/violet-insects-sleep.md
new file mode 100644
index 0000000..b03e2ab
--- /dev/null
+++ b/.changeset/violet-insects-sleep.md
@@ -0,0 +1,5 @@
+---
+"@folks-finance/xchain-sdk": patch
+---
+
+increased send token adapter fees by 1%
diff --git a/src/chains/evm/common/constants/contract.ts b/src/chains/evm/common/constants/contract.ts
index 8e970fd..6b5c8ac 100644
--- a/src/chains/evm/common/constants/contract.ts
+++ b/src/chains/evm/common/constants/contract.ts
@@ -8,3 +8,4 @@ export const defaultEventParams: EventParams = {
 
 export const GAS_LIMIT_ESTIMATE_INCREASE = 10_000n;
 export const SEND_TOKEN_ACTION_RETURN_GAS_LIMIT = 500_000n;
+export const RECEIVER_VALUE_SLIPPAGE = 0.01;
diff --git a/src/chains/evm/hub/modules/folks-hub-loan.ts b/src/chains/evm/hub/modules/folks-hub-loan.ts
index f35d185..97ccbc6 100644
--- a/src/chains/evm/hub/modules/folks-hub-loan.ts
+++ b/src/chains/evm/hub/modules/folks-hub-loan.ts
@@ -19,9 +19,13 @@ import {
   toFAmount,
   toUnderlyingAmount,
 } from "../../../../common/utils/formulae.js";
-import { bigIntMin, compoundEverySecond } from "../../../../common/utils/math-lib.js";
+import { bigIntMin, compoundEverySecond, increaseByPercent } from "../../../../common/utils/math-lib.js";
 import { exhaustiveCheck } from "../../../../utils/exhaustive-check.js";
-import { defaultEventParams, GAS_LIMIT_ESTIMATE_INCREASE } from "../../common/constants/contract.js";
+import {
+  defaultEventParams,
+  GAS_LIMIT_ESTIMATE_INCREASE,
+  RECEIVER_VALUE_SLIPPAGE,
+} from "../../common/constants/contract.js";
 import { getEvmSignerAccount } from "../../common/utils/chain.js";
 import {
   buildEvmMessageData,
@@ -161,8 +165,8 @@ export async function getSendTokenAdapterFees(
     extraArgs: buildSendTokenExtraArgsWhenRemoving(spokeTokenData.spokeAddress, hubTokenData.token, amount),
   };
 
-  // get return adapter fee
-  return await hubBridgeRouter.read.getSendFee([returnMessage]);
+  // get return adapter fee increased by 1%
+  return increaseByPercent(await hubBridgeRouter.read.getSendFee([returnMessage]), RECEIVER_VALUE_SLIPPAGE);
 }
 
 export async function getLoanTypeInfo(
diff --git a/src/common/utils/math-lib.ts b/src/common/utils/math-lib.ts
index e467ca4..b0e5467 100644
--- a/src/common/utils/math-lib.ts
+++ b/src/common/utils/math-lib.ts
@@ -44,3 +44,7 @@ export function compoundEveryHour(rate: Dnum): Dnum {
 
 export const bigIntMax = (...args: Array<bigint>) => args.reduce((m, e) => (e > m ? e : m));
 export const bigIntMin = (...args: Array<bigint>) => args.reduce((m, e) => (e < m ? e : m));
+
+export const increaseByPercent = (value: bigint, percent: number) => {
+  return value + (value * BigInt(10_000 * percent)) / BigInt(10_000);
+};