Payments

Send SOL to an X @username instead of a wallet address. PAY looks up the X account, finds the wallet its owner connected, and your wallet signs the transfer directly — PAY never holds payment funds.

• The recipient must have joined PAY and connected a wallet. Payments to @usernames that haven't joined are refused, not held.
• Only SOL is supported.
• A payment only shows as confirmed after Solana confirms it, with a Solscan link. Double clicks can't send twice.

Launching a coin

Launching is permissionless: no PAY account and no X sign-in needed.

1. Enter the X @username the coin is for. PAY checks it's a real X account.
2. Add name, ticker, description, image (PNG, JPG, WEBP or GIF, up to 5MB) and an optional project website.
3. Choose the first buy — minimum 0.001 SOL.
4. Pay 0.1 SOL, everything included (0.075 SOL first buy + 0.025 SOL network cost), to the fresh address made just for your launch.
5. PAY creates the coin on pump.fun. It's marked live only after Solana confirms it.

Every coin launched through PAY has PAY's official X (@UsePayMoney) as its X link. The @username the coin is for is separate — it decides who owns the fees.

Fee & dev wallets

Every launch gets two brand-new wallets that are never reused:

• Fee wallet — creates the coin on pump.fun, so that coin's creator fees land in a vault only it controls. One coin's fees can never mix with another's.
• Dev wallet — receives the tokens from the first buy. The verified X owner can reveal its private key exactly once, then import it into their own wallet.

Creator fees (99/1)

When a coin earns creator fees, they're split the moment they're credited:

• 99% to the X account the coin was launched for.
• 1% to the PAY Buyback Treasury.

Example: 1 SOL of fees → 0.99 SOL claimable by the X owner, 0.01 SOL to the treasury. The launcher gets nothing unless they are that X owner. Unclaimed fees stay with the @username forever — they're never swept to PAY. See every entry in the Fee Ledger.

Claiming

1. Go to Claims and sign in with the X account the coins were launched for.
2. X confirms you own it — no screenshots or codes to post.
3. Enter the Solana wallet you want paid to.
4. Claim. Your 99% is sent on-chain with a Solscan link. The same fees can never be claimed twice.

You only ever see and claim coins tied to your own X account.

Buybacks

The Buyback Treasury collects the 1%. Once PAY is live and buybacks are switched on, it checks every 5 minutes; when at least 0.05 SOL has built up, it buys PAY with price-impact limits and holds it — nothing is burned. It never touches creators' 99%. Buybacks are paused until the PAY token is live. Track it on Buybacks.

Security

• Per-coin wallet keys are encrypted on PAY's server and never sent to browsers, stored in plain text or logged.
• Only the verified X owner of a coin can reveal its dev key, and only once — after that nobody, including PAY admins, can reveal it again.
• Launches, payments and claims are protected against retries and double-spending.
• PAY never asks for your seed phrase or wallet private key.

FAQ

Do I need an account to launch?

No. You only need X sign-in to claim fees.

Can I launch a coin for someone else?

Yes. Their fees wait for them until they sign in with X and claim.

What if I send the wrong deposit amount?

Each launch has its own payment address. If you send less, top it up to the amount shown; anything extra still goes toward the launch.

Does PAY charge a platform fee?

No launch fee. PAY's only share is the 1% of creator fees that buys back PAY.

What's the official PAY token?

BmP71ELowgA534tLn6EWfivamA4f4mcv85LPmEGPNPAY