Debit, explained.

Debit is a launchpad for pump.fun coins with one change to the money flow: the creator fee a coin earns on every trade is paid, in US dollars, to a debit card in the Apple Wallet of whoever the launcher names — identified by phone number.

That means three roles instead of one:

• Launcher — connects a Solana wallet, fills in the coin, signs one transaction, pays the network fee. Never touches the fees. Every coin is paired with tokenized Apple stock (AAPLx) and charges a 3% creator fee.
• Recipient — the person whose phone number the launcher entered. Claims once, then gets paid automatically.
• Keeper — Debit's scheduled job that collects fees from each coin's vault, converts them to USDC, bridges them, and settles dollars onto the recipient's card.

1. 1
   Launch

   The launcher uploads an image, names the coin, and enters the recipient's phone number. We pin metadata to IPFS and build a create (+ optional buy) transaction with a per-coin fee vault.

2. 2
   Trade

   Every buy and sell on the AAPLx curve, and later on the pump AMM, pays a 3% creator fee — in AAPLx — into that coin's vault. The vault belongs to this coin alone.

3. 3
   Sweep

   The keeper checks vaults on a schedule. When one holds at least 0.005 SOL it collects the balance, swaps it to USDC, and records a payout for the recipient.

4. 4
   Claim

   The recipient opens Claim fees, verifies the number with a texted code, and creates their Debit card — a virtual Visa they can add to Apple Wallet. Unclaimed payouts are released the moment the card exists.

5. 5
   Get paid

   Every payout is bridged from USDC to USD and settles on the card within minutes. The dashboard shows each one moving Swept → USDC → Bridging → Settled.

1. Open Launch and connect a Solana wallet with at least the network fee (≈ 0.02 SOL) plus any initial buy.
2. Upload a square image (512 × 512 renders best everywhere) and enter a name (≤ 32 chars) and symbol (≤ 10).
3. Under Fee recipient, pick the country and enter the phone number. It is stored as E.164 (+14155550123).
4. Optionally add links. The coin is quoted in AAPLx with a 3% creator fee — both fixed.
5. Press Launch coin. Your wallet asks for one signature. We broadcast through a dedicated RPC and redirect you to the coin page when it confirms.

Tell the recipient to visit usedebit.app/claim. They don't need a wallet, an account, or any crypto knowledge.

A recipient is an identity, not an account: phone:+14155550123. Numbers are normalized to E.164 before storage so the same person typed two ways resolves to one recipient:

Several coins can point at the same recipient; they all pay into the same claim. The recipient can be the launcher, a friend, a creator you want to support, or anyone else — Debit never contacts them on your behalf, so send them the claim link yourself.

Why not an X handle or a wallet?

A phone number is something the recipient can prove they own with a texted code, without any crypto setup. That proof is what lets us attach an Apple Pay card to the right person. A wallet would require the recipient to already be on-chain; a social handle has no verification path a bank will accept.

Go to Claim fees.

1. Identify. Pick your country and enter the phone number the launcher used.
2. Verify. Enter the 6-digit code we text you. Codes expire after a few minutes.
3. Create your card. Tap Create my Debit card. We issue a virtual Visa debit card in a few seconds — number, expiry and CVV are yours to reveal and copy. Tap Add to Apple Wallet to pay with it anywhere Apple Pay is accepted.

The dashboard then shows your card, the total settled to it, what's in flight, and every payout with its stage. Returning later on the same device skips straight to the dashboard.

You can remove the card at any time. Sweeps that arrive while you have no card wait as Awaiting card and are released when you create another.

Debit issues every recipient a virtual Visa debit card at claim time. Settled payouts land on it as US dollars, and the card can be added to Apple Wallet so the money is spendable immediately — in stores, in apps and online — with Face ID.

Card details

The card number, expiry and CVV are shown on your dashboard behind Show details, with one-tap copy. The card is debit, not credit: it only ever holds money that has already settled from your fee payouts. There is no credit check, no monthly fee, and no application.

Apple Wallet

• Add to Apple Wallet provisions the card to your iPhone, Apple Watch and Mac.
• The card works anywhere Visa is accepted; Apple Pay works anywhere contactless is accepted.
• Google Wallet provisioning is on the roadmap. See Limits & regions.

Speed

From sweep to spendable balance is typically a few minutes: the swap to USDC confirms in seconds and the bridge settles shortly after. Each payout shows its stage live on the dashboard.

pump.fun charges fees on every trade. The schedule is set by the protocol, not by Debit:

Every Debit coin is quoted in AAPLx — tokenized Apple stock on Solana — so trades and fees are denominated in Apple shares rather than SOL. On a 1 AAPLx buy, 0.03 AAPLx lands in the creator vault. Fees continue after the curve completes: once the coin graduates to the pump AMM, swaps there pay the creator fee into a companion vault for the same key, and the keeper sweeps both.

Debit takes nothing from the creator fee. Costs of converting to USD and pushing to a card are shown on each payout.

pump.fun pays creator fees into a vault keyed by the coin's creator public key. If every coin on Debit shared one creator key, their fees would blend in a single vault and we would need to index every trade to split them. Instead, every coin gets its own creator key, derived deterministically:

seed    = HMAC-SHA256(master_seed, mint)
creator = ed25519_keypair(seed).publicKey
vault   = creator_vault_pda(creator)

• Nothing per coin is stored. The keeper re-derives the key from the mint whenever it needs to sweep.
• The vault's balance is, by construction, exactly that coin's unswept fees.
• Only a signature from the derived key can move the vault, and only the keeper holds the master seed.

You can see a coin's fee vault key on its coin page under Fee routing, and verify its balance on any Solana explorer.

The keeper runs every 10 minutes. For each live coin it:

1. Re-derives the creator key and reads the vault balance across both pump programs.
2. Skips vaults under 0.005 SOL — below that, the transaction fee would eat too much of the payout.
3. Submits one transaction: collect_creator_fee followed by a transfer of the collected SOL to Debit's treasury.
4. Swaps the collected AAPLx (and any SOL) to USDC through Jupiter, so the payout is stablecoin-denominated from this point on. The USDC received is the payout's dollar value.
5. Records the payout for the coin's recipient and, if they have a card, submits it to the bridge — status Bridging to card. Without a card it waits as Awaiting card.
6. Marks bridged payouts Settled once the dollars are on the card, usually within a couple of minutes.
7. Retries every Awaiting card payout, so claiming late never loses anything.

Every sweep and every swap is a public Solana transaction. The Payouts page and the claim dashboard link each one to the explorer.

Fees accrue in AAPLx. At sweep time the keeper swaps them to USDC on Jupiter, and the USDC received is the payout's dollar value — an actual conversion, not an estimate. The SOL figure shows what moved on-chain. Because conversion happens at sweep, not at trade, a recipient's dollar total reflects Apple's share price over time, not at the moment each fee was earned.

Analytics and coin pages show USD from the actual swaps. Unswept fees (still in a vault) are shown in SOL with an indicative USD value at the current price.

Who can claim

Only someone who completes a texted code for the exact phone number the launcher entered. The code is verified by our auth provider and yields a short-lived access token; every recipient-scoped request — reading your payouts, attaching or removing a card — is authorized by that token, and the recipient identity is derived from it on the server. There is no way to pass a different contact.

What we store

• The normalized contact, so we can match claims to coins.
• Your Debit card details, encrypted at rest, shown only to you after verification.
• Coins, sweeps and payouts — all of which are also visible on-chain.

What's public

Coin pages and the payouts ledger show recipients masked: +1 ••• ••• 0123 or n•••e@icloud.com. The raw contact never leaves the server.

Launch integrity

Launch transactions are built server-side and signed by the mint; your wallet adds the second signature. Before broadcasting, the server checks the signed transaction still contains the mint it prepared, so a client cannot substitute an arbitrary transaction.

Card issuance is US-first. Recipients elsewhere can still be named — their payouts wait as Awaiting card — and are released when issuance opens in their region.

Read-only endpoints, no key required. Contacts are always masked. Recipient-scoped endpoints require the claim session's bearer token.

Bonding curve

pump.fun's pricing mechanism for a new coin. Price rises as supply is bought; when the curve fills, liquidity moves to the pump AMM.

Creator fee

The 30 bps slice of every trade that pump.fun pays to the coin's creator key. On Debit, this is what goes to the recipient.

Creator vault

The on-chain account that accumulates a creator key's fees. Debit derives one creator key, and so one vault, per coin.

Bridge

The step that turns a payout's USDC into US dollars on the recipient's card.

Keeper

Debit's scheduled job that sweeps vaults and routes payouts.

Recipient

The phone number a coin's fees are held for.

Sweep

One collection of a vault's balance to the treasury, recorded as one payout.