diff --git a/src/policy/engine.py b/src/policy/engine.py
index 90d7271..9e2db3b 100644
--- a/src/policy/engine.py
+++ b/src/policy/engine.py
@@ -410,7 +410,7 @@ class PolicyEngine:
         
         if not matching_rules:
             # Use defaults
-            return (1000, 1000, 0, 0)  # Default values
+            return (1000, 0, 0, 0)  # Default values
         
         # Apply policies in order (non-final policies first, then final)
         outbound_fee_ppm = None