diff --git a/api/billing/fees/.air.toml b/api/billing/fees/.air.toml
index e1c05683..16f8c34b 100644
--- a/api/billing/fees/.air.toml
+++ b/api/billing/fees/.air.toml
@@ -1,32 +1,46 @@
-# Config file for Air in TOML format
-
-root = "./../.."
+root = "."
+testdata_dir = "testdata"
 tmp_dir = "tmp"
 
 [build]
-cmd = "go build -o app -ldflags \"-X 'github.com/tech/sendico/billing/fees/internal/appversion.BuildUser=$(whoami)' -X 'github.com/tech/sendico/billing/fees/internal/appversion.Version=$APP_V' -X 'github.com/tech/sendico/billing/fees/internal/appversion.Branch=$BUILD_BRANCH' -X 'github.com/tech/sendico/billing/fees/internal/appversion.Revision=$GIT_REV' -X 'github.com/tech/sendico/billing/fees/internal/appversion.BuildDate=$(date)'\""
-bin = "./app"
-full_bin = "./app --debug --config.file=config.yml"
-include_ext = ["go", "yaml", "yml"]
-exclude_dir = ["billing/fees/tmp", "pkg/.git", "billing/fees/env"]
-exclude_regex = ["_test\\.go"]
-exclude_unchanged = true
-follow_symlink = true
-log = "air.log"
-delay = 0
-stop_on_error = true
-send_interrupt = true
-kill_delay = 500
-args_bin = []
-
-[log]
-time = false
+  args_bin = []
+  entrypoint = "./tmp/main"
+  cmd = "go build -o ./tmp/main ."
+  delay = 1000
+  exclude_dir = ["assets", "tmp", "vendor", "testdata"]
+  exclude_file = []
+  exclude_regex = ["_test.go", "_templ.go"]
+  exclude_unchanged = false
+  follow_symlink = false
+  full_bin = ""
+  include_dir = []
+  include_ext = ["go", "tpl", "tmpl", "html"]
+  include_file = []
+  kill_delay = "0s"
+  log = "build-errors.log"
+  poll = false
+  poll_interval = 0
+  post_cmd = []
+  pre_cmd = []
+  rerun = false
+  rerun_delay = 500
+  send_interrupt = false
+  stop_on_error = false
 
 [color]
-main = "magenta"
-watcher = "cyan"
-build = "yellow"
-runner = "green"
+  app = ""
+  build = "yellow"
+  main = "magenta"
+  runner = "green"
+  watcher = "cyan"
+
+[log]
+  main_only = false
+  time = false
 
 [misc]
-clean_on_exit = true
+  clean_on_exit = false
+
+[screen]
+  clear_on_rebuild = false
+  keep_scroll = true
diff --git a/api/billing/fees/config.dev.yml b/api/billing/fees/config.dev.yml
new file mode 100644
index 00000000..cb96e107
--- /dev/null
+++ b/api/billing/fees/config.dev.yml
@@ -0,0 +1,42 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50060"
+  advertise_host: "dev-billing-fees"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9402"
+
+database:
+  driver: mongodb
+  settings:
+    host_env: FEES_MONGO_HOST
+    port_env: FEES_MONGO_PORT
+    database_env: FEES_MONGO_DATABASE
+    user_env: FEES_MONGO_USER
+    password_env: FEES_MONGO_PASSWORD
+    auth_source_env: FEES_MONGO_AUTH_SOURCE
+    replica_set_env: FEES_MONGO_REPLICA_SET
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: Billing Fees Service
+    max_reconnects: 10
+    reconnect_wait: 5
+    buffer_size: 1024
+
+oracle:
+  address: "dev-fx-oracle:50051"
+  dial_timeout_seconds: 5
+  call_timeout_seconds: 3
+  insecure: true
diff --git a/api/billing/fees/go.mod b/api/billing/fees/go.mod
index 6cd5deac..d68aee8d 100644
--- a/api/billing/fees/go.mod
+++ b/api/billing/fees/go.mod
@@ -1,6 +1,6 @@
 module github.com/tech/sendico/billing/fees
 
-go 1.25.3
+go 1.25.6
 
 replace github.com/tech/sendico/pkg => ../../pkg
 
diff --git a/api/billing/fees/internal/service/fees/internal/calculator/impl.go b/api/billing/fees/internal/service/fees/internal/calculator/impl.go
index e961c269..882aa538 100644
--- a/api/billing/fees/internal/service/fees/internal/calculator/impl.go
+++ b/api/billing/fees/internal/service/fees/internal/calculator/impl.go
@@ -366,13 +366,36 @@ func ruleMatchesAttributes(rule model.FeeRule, attributes map[string]string) boo
 		if attributes == nil {
 			return false
 		}
-		if attrValue, ok := attributes[key]; !ok || attrValue != value {
+		attrValue, ok := attributes[key]
+		if !ok {
+			return false
+		}
+		if !matchesAttributeValue(value, attrValue) {
 			return false
 		}
 	}
 	return true
 }
 
+func matchesAttributeValue(expected, actual string) bool {
+	trimmed := strings.TrimSpace(expected)
+	if trimmed == "" {
+		return actual == ""
+	}
+
+	values := strings.Split(trimmed, ",")
+	for _, value := range values {
+		value = strings.TrimSpace(value)
+		if value == "" {
+			continue
+		}
+		if value == "*" || value == actual {
+			return true
+		}
+	}
+	return false
+}
+
 func mapLineType(lineType string) accountingv1.PostingLineType {
 	switch strings.ToLower(lineType) {
 	case "tax":
diff --git a/api/billing/fees/internal/service/fees/internal/resolver/impl.go b/api/billing/fees/internal/service/fees/internal/resolver/impl.go
index d1dbbcf3..5a500281 100644
--- a/api/billing/fees/internal/service/fees/internal/resolver/impl.go
+++ b/api/billing/fees/internal/service/fees/internal/resolver/impl.go
@@ -3,6 +3,7 @@ package resolver
 import (
 	"context"
 	"errors"
+	"strings"
 	"time"
 
 	"github.com/tech/sendico/billing/fees/storage"
@@ -95,6 +96,24 @@ func (r *feeResolver) ResolveFeeRule(ctx context.Context, orgRef *primitive.Obje
 		return nil, nil, err
 	}
 
+	selectedFields := []zap.Field{
+		zap.String("trigger", string(trigger)),
+		zap.Time("booked_at", at),
+		zap.Any("attributes", attrs),
+		zap.String("rule_id", rule.RuleID),
+		zap.Int("rule_priority", rule.Priority),
+		zap.Any("rule_applies_to", rule.AppliesTo),
+		zap.Time("rule_effective_from", rule.EffectiveFrom),
+	}
+	if rule.EffectiveTo != nil {
+		selectedFields = append(selectedFields, zap.Time("rule_effective_to", *rule.EffectiveTo))
+	}
+	if orgRef != nil && !orgRef.IsZero() {
+		selectedFields = append(selectedFields, mzap.ObjRef("org_ref", *orgRef))
+	}
+	selectedFields = append(selectedFields, zapFieldsForPlan(plan)...)
+	r.logger.Debug("Selected fee rule", selectedFields...)
+
 	return plan, rule, nil
 }
 
@@ -159,13 +178,36 @@ func matchesAppliesTo(appliesTo map[string]string, attrs map[string]string) bool
 		if attrs == nil {
 			return false
 		}
-		if attrs[key] != value {
+		attrValue, ok := attrs[key]
+		if !ok {
+			return false
+		}
+		if !matchesAppliesValue(value, attrValue) {
 			return false
 		}
 	}
 	return true
 }
 
+func matchesAppliesValue(expected, actual string) bool {
+	trimmed := strings.TrimSpace(expected)
+	if trimmed == "" {
+		return actual == ""
+	}
+
+	values := strings.Split(trimmed, ",")
+	for _, value := range values {
+		value = strings.TrimSpace(value)
+		if value == "" {
+			continue
+		}
+		if value == "*" || value == actual {
+			return true
+		}
+	}
+	return false
+}
+
 func zapFieldsForPlan(plan *model.FeePlan) []zap.Field {
 	if plan == nil {
 		return []zap.Field{zap.Bool("plan_present", false)}
diff --git a/api/billing/fees/internal/service/fees/internal/resolver/resolver_test.go b/api/billing/fees/internal/service/fees/internal/resolver/resolver_test.go
index 8ce32397..ff547fe4 100644
--- a/api/billing/fees/internal/service/fees/internal/resolver/resolver_test.go
+++ b/api/billing/fees/internal/service/fees/internal/resolver/resolver_test.go
@@ -189,6 +189,47 @@ func TestResolver_AppliesToFiltering(t *testing.T) {
 	}
 }
 
+func TestResolver_AppliesToFilteringSupportsListsAndWildcard(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "network_multi", Trigger: model.TriggerCapture, Priority: 300, Percentage: "0.03", AppliesTo: map[string]string{"network": "tron, solana"}, EffectiveFrom: now.Add(-time.Hour)},
+			{RuleID: "asset_any", Trigger: model.TriggerCapture, Priority: 200, Percentage: "0.02", AppliesTo: map[string]string{"asset": "*"}, EffectiveFrom: now.Add(-time.Hour)},
+			{RuleID: "default", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"network": "tron"})
+	if err != nil {
+		t.Fatalf("expected list match rule, got error: %v", err)
+	}
+	if rule.RuleID != "network_multi" {
+		t.Fatalf("expected network list rule, got %s", rule.RuleID)
+	}
+
+	_, rule, err = resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"asset": "USDT"})
+	if err != nil {
+		t.Fatalf("expected wildcard rule, got error: %v", err)
+	}
+	if rule.RuleID != "asset_any" {
+		t.Fatalf("expected asset wildcard rule, got %s", rule.RuleID)
+	}
+
+	_, rule, err = resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"network": "eth"})
+	if err != nil {
+		t.Fatalf("expected default rule, got error: %v", err)
+	}
+	if rule.RuleID != "default" {
+		t.Fatalf("expected default rule, got %s", rule.RuleID)
+	}
+}
+
 func TestResolver_MissingTriggerReturnsErr(t *testing.T) {
 	t.Helper()
 
diff --git a/api/billing/fees/storage/mongo/store/plans.go b/api/billing/fees/storage/mongo/store/plans.go
index 568a0b06..a80cefe2 100644
--- a/api/billing/fees/storage/mongo/store/plans.go
+++ b/api/billing/fees/storage/mongo/store/plans.go
@@ -10,10 +10,10 @@ import (
 
 	"github.com/tech/sendico/billing/fees/storage"
 	"github.com/tech/sendico/billing/fees/storage/model"
-	dmath "github.com/tech/sendico/pkg/decimal"
 	"github.com/tech/sendico/pkg/db/repository"
 	"github.com/tech/sendico/pkg/db/repository/builder"
 	ri "github.com/tech/sendico/pkg/db/repository/index"
+	dmath "github.com/tech/sendico/pkg/decimal"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	m "github.com/tech/sendico/pkg/model"
@@ -257,11 +257,46 @@ func normalizeAppliesTo(applies map[string]string) string {
 	sort.Strings(keys)
 	parts := make([]string, 0, len(keys))
 	for _, k := range keys {
-		parts = append(parts, k+"="+applies[k])
+		parts = append(parts, k+"="+normalizeAppliesToValue(applies[k]))
 	}
 	return strings.Join(parts, ",")
 }
 
+func normalizeAppliesToValue(value string) string {
+	trimmed := strings.TrimSpace(value)
+	if trimmed == "" {
+		return ""
+	}
+
+	values := strings.Split(trimmed, ",")
+	seen := make(map[string]struct{}, len(values))
+	normalized := make([]string, 0, len(values))
+	hasWildcard := false
+	for _, value := range values {
+		value = strings.TrimSpace(value)
+		if value == "" {
+			continue
+		}
+		if value == "*" {
+			hasWildcard = true
+			continue
+		}
+		if _, ok := seen[value]; ok {
+			continue
+		}
+		seen[value] = struct{}{}
+		normalized = append(normalized, value)
+	}
+	if hasWildcard {
+		return "*"
+	}
+	if len(normalized) == 0 {
+		return ""
+	}
+	sort.Strings(normalized)
+	return strings.Join(normalized, ",")
+}
+
 func (p *plansStore) ensureNoOverlap(ctx context.Context, plan *model.FeePlan) error {
 	if plan == nil || !plan.Active {
 		return nil