BankPad is a dividend layer.
Pump.fun lets you create a coin. Trades on that coin generate a small protocol fee that flows to the creator — that's you. Most creators leave that money sitting in a vault, or sweep it to their own wallet.
BankPad does something different. It mints your token, holds the creator role in an operator wallet, and pays your holders an hourly USDC dividend from every trade. Pro-rata by holdings, no claims, no clicks. The longer they hold, the more they bank.
Why? Because the most loyal holders are the ones being paid to hold. A coin where holders get a piece of every trade is a coin with very different dynamics than one where they don't.
How it works, plainly.
- 01You pay 0.1 SOL. BankPad generates an operator wallet for your token and sends the launch transaction.
- 02Pump.fun mints your coin against USDC. Buyers spend USDC; the protocol fee accrues to the creator vault in USDC.
- 03Every hour, our worker calls collect_creator_fee_v2 and pulls accrued USDC into the operator wallet.
- 04The worker reads on-chain holders, excludes the bonding-curve LP (top-1), filters wallets holding ≥ 100,000 tokens.
- 05USDC is wired pro-rata. Top holder gets nothing extra. Smallest eligible wallet still gets its share. Done in 1–3 minutes.
What the operator can do, and can't.
- Collect creator fees
- Distribute USDC to holders
- Sign hourly cycle transactions
- Receive funds outside dividends
- Trade or rug the coin
- Withdraw to anyone but holders
Fees.
None from BankPad. Pump.fun's standard protocol fee applies on trades. Your 0.1 SOL launch payment funds the operator wallet's rent and hourly distribution budget — anything left over stays with the coin.