How Payload works

Payload does two things. It tracks Solana coins grouped by theme so you can see what is moving, and it lets you launch a coin whose own trading fees buy a fixed pack of other coins and send them to the people holding it.

Nothing you save here — folios, alerts, recorded trades — leaves your browser. The launches and payouts are real and on chain.

A pack is a recipe: a handful of coins with a percentage each. The percentages must total 100%, so it is always clear how much of each sweep buys every coin.

No pack token is created. Holders receive the actual coins, in their own wallets, at the percentages the creator set.

Pick one when you launch. It is locked from that moment on.

• Back a prediction — lock one open Polymarket outcome to the coin. After 10% house and 2% Payload gas, 88% builds that position. If it wins, confirmed profit splits equally between eligible coin holders and an additional buyback and burn of the coin.
• Buy a pack for holders — the coin trades in SOL and its fees buy up to 20 chosen coins or stocks and send them to holders.
• Tail · smart wallets — follow the KOL board, the Payload caller feed, or up to 10 wallets you pick. At most once an hour the pack is rebuilt from the (up to 5) coins those wallets bought most in the last 24h — more buyers first, then SOL spent — and each sweep buys it for holders. A quiet day keeps the last pack. Copying buys is not a profit guarantee.
• Card vault · graded cards — set locked rules (card types — one or several categories, grader, minimum grade, max price, name). Each sweep, once the coin's fees cover it, the cheapest matching listing on Collector Crypt is bought; the graded slab stays in their insured vault and the coin's wallet holds the NFT. After the raffle delay (default 24h) one holder wins it, odds by balance, pools excluded, with the seed published.
• Launch from a fresh wallet — works with any reward type. Instead of connecting a wallet, you get a brand-new deposit address with no history; send the SOL from any wallet or exchange and the coin is minted in the next sweep (within 15 minutes). If the full amount doesn't arrive within 45 minutes, anything received is refunded to the address you gave. Pay in SOL, or in ETH, BTC, USDC, USDT, NEAR or ZEC from other chains — a swap network turns it into the exact SOL needed, and refunds on your own chain if it can't fill.
• Quick commands & Holder check — type buy 0.1 EFFORT, sell 50% LOOT or check EFFORT in the Terminal; nothing moves until you confirm in your wallet (text-message trading is coming later). Holder check grades any coin A–F from its top 40 holders: shared funders, same-block buyers, wallets under 24h old and top-10 share, with every wallet linked. These are signals, not proof of bots.
• Tuition fund — planned: fees paying verified tuition bills. Not selectable yet.
• Hold & earn — choose a minimum coin holding, consecutive 15-minute rounds, and an optional start delay. The coin's fees buy your chosen pack for eligible holders. Holders never deposit or lock their coins; rewards only go out when a funded payout is due.
• Pay a streamer — the fees go to one Kick, Twitch or YouTube channel's wallet, for gifted subs or donations.
• Charity — pick a cause and lock its Solana donation wallet at launch. Every 15 minutes 100% of the claimed fees are sent straight to that wallet — no holder rewards, no buyback and burn, no house or Payload cut. Every donation is listed on the coin's page with its explorer link, and a failed send re-sends on the next sweep.
• Symbiote · feed on a host coin — lock any tradable Solana coin as the host at launch. Every 15 minutes the coin's fees buy the host at market: half of the buy burns the host's supply forever, and the other half is paid straight to your holders in the host coin. The usual 10% house and 2% Payload cuts still apply, and every buy, burn and payout has an explorer link on the coin's page. A symbiote cannot feed on itself.
• Pay an X creator — fees automatically fund the Solana wallet locked to an X handle at launch. Unlike Reload's manually funded cards, this sends SOL on-chain; confirm the wallet belongs to the recipient before launching.
• Pair with one asset — the coin itself trades against an asset you choose (a stock, SOL or a major), so buyers pay in it and the fees arrive in it. Those fees buy that same asset for holders.
• Pair and buy a pack — the coin trades against your chosen asset, and its fees buy a pack of up to 20 other coins or stocks for holders.
• Pay an NFT collection — the only mode where the coin's own holders are not the ones paid. The fees go to whoever holds the NFT collection you pick, read fresh from the chain every sweep, either one share per NFT or weighted by rarity, and paid either in SOL or as the pack you built. A floor purchase option is not available until the marketplace connection is ready.
• Relay / Signal — share referral links or post about a coin; verified activity earns a portion of fees, with the rest buying the holder pack.
• Split — assign a share of fees to named people and send the remainder to pack rewards.
• Diamond hands · 88% to holders — no burn slice. After the 10% house and 2% Payload cuts, all 88% buys the pack for holders who keep $5+ for four sweeps in a row (about an hour). Snipers and quick flippers don't qualify.
• Yield vault · one blue chip — pick one stock, major or Wormhole asset. 88% of the fees buy it and pay holders in it, with no burn slice.
• Card vault, paired — a card coin can also trade against a chosen token. Each sweep swaps the fees it earns into SOL first; only SOL actually received counts.
• HomeFund · fund a starter home — find a home with the HomeFund planner (zip search, listing link, down payment goal). After the 10% house and 2% Payload cuts, every sweep swaps the fees to USDC so the goal keeps its dollar value. The launcher can't withdraw. Money is released only after Payload checks documents: up to 10% of the goal on a signed purchase contract, the rest on closing papers, sent to the buyer's own exchange account (to their bank) or to an off-ramp partner that wires the title company. If the home hasn't closed by the deadline, half the vault is paid to the top holders in USDC and half buys back and burns the coin.
• Floor Defender · buy the dip — fees build a reserve. Each sweep tracks the coin's high; when the price falls past your trigger (10, 15, 25 or 35% below it), the reserve buys the coin and burns it, then the high resets so one dip triggers one buyback. Sweeps run every 15 minutes, so a defence can land up to 15 minutes after the dip.
• Hyper-Burn · shrink supply — every sweep with at least $5 in the pot, the full 88% buys the coin and burns it. Each burn is listed with its explorer link.
• Golden Hour · last buyer wins — fees fill a pot with a countdown (15 minutes to 4 hours). Every buy at or above the minimum resets it; when it runs out, the last qualifying buyer is sent the whole pot. Checked each sweep, so a win can be paid up to 15 minutes late.
• Dead Man's Switch · anti-rug bond — fees build a bond. The creator signs a check-in every few days; miss one and the switch trips for good, and the bond plus all future fees go to the top holders in SOL.
• Cross-Burn · two coins burn each other — two linked coins, each buying and burning the other every sweep. Launch the pair together, or link your coin to an existing Cross-Burn coin whose owner confirms the link. Burns only start once both owners have opted in.
• Living ETF · auto-rotating pack — every 24 hours the pack switches into the day's top 3 liquid trending coins; each sweep buys them and pays holders.
• Staked Treasury Floor · redeemable — fees become JitoSOL in the coin's treasury, earning Solana staking yield. Any holder can send coins back to be burned and receive coins ÷ total supply × treasury in JitoSOL. Nobody else can withdraw.
• Living Curve · yield buys the chart — fees are staked into JitoSOL and that deposit is never spent. When the staking yield on top reaches $5, only the yield is swapped back and used to buy and burn the coin.
• Self-Repaying Moonbag · yield to holders — same staking as Living Curve, but the yield is paid in SOL to the top 30 holders by how many coins they hold. Staking earns roughly 6–8% a year, so payouts start once enough is staked.
• Community vote — on Hyper-Burn, Cross-Burn and Floor Defender coins, holders vote each week (resets Monday UTC) to keep the mode, buy back & burn, or pay the pot to holders. Votes count by coins held, re-checked at each sweep; it needs 3+ voters and a clear leader.

The tracker shows verifiable wallet concentration, not a proprietary holder-quality or bot verdict. Trade-by-text still requires a secure messaging connection, and paying college tuition from fees remains on hold until recipient verification and actual tuition-payment delivery exist. Cross-chain payment is available only for fresh-wallet launches; it funds the same Solana launch wallet and does not change the selected reward mode.

In NFT-holder mode, current owners of the locked collection receive the rewards, not holders of the launched coin. For floor draws, coin holders would instead be eligible once buying is enabled.

Not sure what to pair with? The Pair advisor suggests ready-made combinations and spells out the risks, checked against the assets you can actually pair with today.

On Launch a coin you give the coin a name, ticker, description, image and links, pick the mode, then pick the coins for its pack and set their percentages (or the asset to pair with).

Payload mints the coin on pump.fun and gives it its own fresh fee wallet, so one coin's fees can never be spent on another. Because that wallet belongs to the app, nobody can redirect the fees or add new coins to the pack.

First buy. On SOL-traded coins you can add an optional first buy of 0 to 5 SOL so snipers cannot take the whole supply in the first second. Paired coins have no first buy, because they are priced in the paired asset rather than SOL.

Vanity address. You can ask for a contract address ending in “pay”. Your browser searches for one while you fill in the form, and the server checks the ending again before minting.

One safety valve: if a coin in the pack rugs, the wallet that launched the pack can remove that single coin from its pack page — once every 24 hours. The removed share is spread across the coins that are left, so the percentages still add up to 100.

The coin only shows as live once the mint has actually confirmed on chain. If a transaction is dropped, it is retried with a fresh mint and your payment stays in the coin's own wallet the whole time. If you leave the website field empty, the coin links back to its own page here.

Launching asks your wallet to approve one payment: about 0.055 SOL for the mint and starter costs, plus whatever you chose as a first buy, plus the usual Solana network fee.

• The payment goes into the coin's own fresh wallet, not to us. That wallet then pays pump.fun to create the coin.
• Your first-buy SOL buys the coin at launch, and the share it bought is sent straight to your wallet.
• Nothing else of yours is ever spent. From then on the only money moving is the trading fees the coin earns.

• Your first buy arrives in your wallet as coins automatically. If that hand-off ever fails, a Claim first buy button appears on your coin's page — only the wallet that launched it can use it — and the transfer is checked on chain before it is marked delivered.
• As the creator, you earn back through the coin itself: you hold your first buy and can sell it like anyone else, and if you hold the coin you also receive the pack payouts like any other holder.
• The 0.055 SOL launch cost is spent — it pays pump.fun and the network to create the coin, so it cannot be refunded.
• If a launch never confirms, the SOL stays in that coin's wallet and is reused for the retry rather than being lost.
• If a pack buy fails, the SOL is not burned: it is retried with looser slippage and otherwise rolls into the next round's pot for holders.

Every trade on pump.fun, StonkFun or Meteora pays the coin's creator a fee. That fee lands in the coin's own wallet and is the only money the pack ever spends. The split is fixed at launch and nobody can change it.

78% buys the pack for holders (or the paired asset, or the streamer's payout). 10% buys the coin's own token on the open market and sends it straight to the burn address, so the supply drops forever. The next 10% goes to the house wallet, and 2% goes to Payload's shared gas and token-account rent wallet. Every transfer and buyback is recorded with an explorer link.

Exceptions. Diamond hands, Yield vault, HomeFund, Floor Defender, Hyper-Burn and Golden Hour have no separate 10% burn slice: after the 10% house and 2% Payload cuts, the full 88% goes to that mode's purpose. Charity sends 100% to the cause with no cuts at all.

Streamer coins. Instead of buying a pack, a coin can send its fees to a Kick, Twitch or YouTube channel. The split is the same 10% burn, 10% house share and 2% Payload gas share; the remaining 78% goes to the channel's wallet once at least $5 has built up, which is roughly one gifted sub at $5.90. The channel is locked at launch — nobody, including us, can repoint an existing coin at a different channel.

Paired coins. Fees arrive in the paired asset rather than SOL, and are claimed on the same 15-minute rhythm before the same split is applied.

Higher fees, up to 3%. pump.fun keeps coins paired with SOL or USDC at its standard 0.3% creator fee. Coins paired with another token (such as $PUMP or another pump.fun coin) may carry a fixed creator fee of up to 3% per trade, chosen once at launch and never changeable. Payloader currently launches paired coins at pump.fun's standard rate; choosing your own higher rate is coming soon.

Prediction coins. The market, outcome, close time and resolution source are checked against Polymarket and locked at launch. Orders, fills, redemption, holder transfers and burns count only after confirmation. Stale quotes, changed or closed markets, disputed results, custody mismatches and unavailable trading access pause the flow with funds kept in the coin's wallet. Payload never labels a paper position as live. The launch screen checks the trading wallet before every prediction launch: it shows the wallet's live balance, its top-up address, and the exact reason when it is not connected or not funded. Launching stays blocked until that check passes, and a sweep on an unready connection leaves the coin's fees untouched in its own wallet with the reason recorded publicly.

NFT coins. The same 10% burn, 10% house, and 2% Payload gas shares apply; the remaining 78% is split between the current owners of the chosen collection, not the coin's holders. Owners are looked up on chain each sweep, so selling the NFT stops the payments and buying one starts them. Shares are either one per NFT or weighted by rarity, chosen at launch and locked. Each sweep pays all verified holding wallets in the collection, subject to the per-round transfer cap; smaller amounts carry forward. The collection, the weighting and whether payment is SOL, the pack, or floor sweeps are all locked at launch. In floor-sweep mode the collection's owners are not paid directly: the 78% share carries forward until it can buy a verified live listing, then the NFT goes to an eligible coin holder selected by a reproducible balance-weighted draw. Purchases and delivery appear only after chain confirmation, and failed deliveries stay queued for retry.

On paired launches the creator sets the reward rules once, at launch, and they are locked afterwards.

• Start after — rewards can begin right away, or after 5, 10, 15, 30 or 45 minutes, or 1 hour, 1 hour 30 or 2 hours.
• Rounds held — how many 15-minute sweeps a wallet must hold through before it is paid, from 0 up to 96.
• Minimum holding — the smallest position that counts as a holder.
• The coin's page shows a progress bar so holders can see exactly when rewards unlock.

Payload launches on three venues: pump.fun, StonkFun and Meteora. On StonkFun and Meteora the coin trades in that venue's pool and creator fees are claimed into the same fee wallet; the 15-minute sweep and holder payout rules are identical.

Meteora coins start around a $20K market cap and graduate at $50K into a Meteora pool whose liquidity is locked forever. Pick a curve: Standard (steady growth), Conviction (early snipers pay the highest fee, falling over the first hour) or Flat (a steady 1% fee, made for stocks and stable pairs). Pair with SOL, a tokenized stock, or any coin with a live price.

Only pump.fun with SOL can include your own buy in the launch itself. StonkFun, Meteora and paired coins open the Buy window the moment the coin is live instead — fast, but not guaranteed first.

You can add a Payload pack to a coin you already launched on pump.fun. Only the wallet that created the coin can do this. Once attached, the coin's creator fees flow into the pack wallet just like a fresh launch.

• A sweep runs every 15 minutes and claims whatever fees have built up.
• It pays out when the pot is worth $50, or after 4 hours if there is at least $5 in it. Below that the pot simply carries over.
• To be eligible a wallet must hold at least $1 of the coin at two sweeps in a row — this stops snipers buying moments before a payout.
• Shares are worked out pro rata, by how much of the coin each wallet holds.
• Every sweep compares holder balances with the previous snapshot. Buying increases a future share, while selling reduces it or resets eligibility if the position drops below $1.
• Amounts too small to be worth sending are carried into your next payout instead of being lost.

Every claim, buy and transfer is listed with a block explorer link on the Rewards page and on the coin's own dashboard. You can also trigger a payout by hand from Payouts.

Floor-sweep launches use the 78% reward share to buy an NFT from the collection locked at launch, then award it to an eligible holder of the launched coin. The fund carries forward when it cannot safely complete a purchase.

• The marketplace listing is checked against the locked collection on chain before any SOL moves.
• The quoted price is capped, and the purchase is skipped if the wallet cannot cover the NFT plus network fees.
• Only standard, uncompressed NFTs that Payload can safely transfer are eligible; unsupported formats are skipped.
• A purchase is not treated as complete until the NFT is confirmed in the coin's wallet.
• The confirmed purchase signature becomes the draw proof. The same proof and holder balances always produce the same winner. Card raffles need 100,000+ coins to enter, and tickets are the square root of your balance capped at 1% of supply, so big holders get better odds but can't win every draw.
• Liquidity pools, program accounts and burn addresses are excluded from the holder draw.
• Only one unresolved NFT is handled at a time. An uncertain purchase pauses new buying so the wallet cannot accidentally buy twice.
• Before delivery, custody is checked again. After delivery, the winner's ownership is checked before the award is recorded.
• If confirmation is delayed, the next sweep reconciles the real owner before retrying. A confirmed delivery is never sent twice.
• If marketplace access, price data, custody checks or delivery are unavailable, the flow stops safely and retries later; the SOL or NFT remains in the coin's wallet.

The coin page and Rewards page show the floor fund, purchase, draw proof, winner and confirmed award. A status of “building” or “pending” means nothing has been presented as paid yet.

• Live packs — launched coins, their locked contents, holder balances, fees, and payout history.
• NFT rewards — look up any collection by address or Magic Eden link, see its full holder list, browse live floor listings, and follow NFT reward packs.
• Card vault — packs that turn their fees into graded trading cards and raffle them to holders.
• Community launches — Relay and Signal packs with their volume, fees and holder rewards.
• Paired coins & Pair explorer — every paired pump.fun coin and the liquidity behind each pair.
• My folios — your own watch packs, tracked against live prices.
• Wallet — paste an address to see real balances, and record your own buys and sells.
• Build & launch — create a coin, choose its launch option and pack, and set percentages that total 100%.
• Rewards — every fee claim, pack buy, holder transfer, and the manual payout control.
• Terminal — live movers with price, 1h and 24h change, volume, liquidity, coin age, holder counts and top-10 concentration, next to a feed of tracked wallets. Every coin has a Trade button for a quick buy or sell.
• Trading screen — a full screen per coin with a live chart, recent trades, holder and safety stats (top 10, dev holding, bundles, liquidity) and a buy/sell panel. On phones it splits into Chart, Trade and Info tabs.
• Caller feed — signed-in wallets call a coin by pasting its address or a pump.fun, DexScreener, Solscan or Birdeye link. The entry price is locked from the live market, then each call is scored against the price now, with a top-callers board ranked by average gain and hit rate. One call per coin per wallet.
• KOL board — tracked influencer wallets and what they are buying.
• Holder check — an A–F grade for how concentrated a coin's holders are.
• Profiles — connect a wallet to set a username, PNG or GIF picture, bio and links. Your public page at /u/your-name shows points, rank, badges, packs launched, rewards received and your calls. Saving only asks for a signature, never funds.
• Holder payouts — every holder wallet that has been paid, how much it received, anything still retrying, and links to on-chain proof.
• Dashboard — each pack's fees collected, what is still owed to holders, and the last floor sweep for NFT packs.
• Proof & audit — fee receipts and on-chain proof for every split.
• Prediction desk — live Polymarket markets and order books. Each prediction coin can only bet the USDC its owner deposited, so no one can spend the shared trading wallet.
• Trackers — every Payload coin, the trader feed (who is buying and selling the coins we track), and live BTC, ETH, SOL and BNB prices in one place.
• Board — every live coin ranked by the rewards actually paid to holders over 24 hours, 7 days and 30 days. It is a look back, not a promise.
• Pair advisor — ready-made pairing ideas with the reward pack and the risks written out.
• Leaderboard — weekly and all-time rankings, wallet profiles, badges and shareable rank cards.

Points are worked out only from on-chain records — launching coins, receiving payouts, and holding through sweeps. Nothing is self-reported, so nothing can be faked.

• Ranks run from Recruit to Legend, with badges for milestones and a full history of every point you have earned, filterable by launches, trades, fees, rewards and holding.
• Your profile has a public rank card you can share, at /card/your-wallet.
• Referrals pay 250 points per trader you bring in, with milestone bonuses at 1, 5, 10, 25 and 50 invites, and a referral leaderboard ranked by invites, referred buying and referral points. New invitees who join through an invite link get a 250-point welcome bonus.
• Good calls on the Caller feed count toward your standing on the top-callers board.

• Trades are routed through Jupiter and signed in your own wallet. Payload never holds your funds.
• A 1% Terminal fee is added to every trade and shown in the quote before you sign. It goes to the Payload platform wallet.
• Each trade is checked on-chain before it is recorded, and your Terminal trading volume is shown in the trade panel.
• Pick your own slippage (1–10%). Thin coins can move sharply between quote and fill.

Use these details to verify the main Payload coin and avoid unofficial accounts or copied contracts.

An AI coin has its own character and its own on-chain wallet. Every fee sweep sends 40% to that wallet, takes the 12% platform fee, and the other 48% buys the coin's payload for holders.

The AI wallet pays for Studio posts and, if the creator switches it on, simple rule-based trades. Profit from trades buys back and burns the coin. Character art is made on Higgsfield with your own account.

To top up, open the coin's page: send SOL to the AI wallet for trading money, or 0.03 / 0.06 SOL to the Payload wallet for 200 / 500 AI trade notes, then paste the transaction ID in Studio.

AI launchpad · Studio

Browse PumpSwap pools, add or remove liquidity from your own wallet, and track your positions and profit in one place. Payload never holds your liquidity and charges no deposit or withdraw fee.

Pools · My positions · How LP works

Bundles are locked snapshots of coins whose percentages can't be changed. Games has free arcade titles with high scores. P&L and Trades show every swap from a wallet with real fills, fees and profit.

Bundles · Games · P&L · Trades

These are memecoins. Any of them can go to zero. Launching and trading spend real SOL, and a transaction that fails on chain can still cost a fee.

Payouts are best effort: they depend on the coin being traded, on live prices, and on the pack coins having liquidity when the sweep runs. A name, image and links written on chain are public and permanent. None of this is financial advice.