Send SOL or USDC to any X/Twitter, Instagram, or WhatsApp handle. The recipient claims with one tap — no wallet required.
0.5%
Protocol fee
7 days
Claim window
100%
Non-custodial
0
Addresses needed
To
𝕏 Twitter · verified handle
Amount
100 USDC
≈ $100.00 · 0.5% fee
Powered by
Solana
Blockchain Layer
Anchor
On-chain Programs
Privy
Embedded Wallets
Jupiter
Swap Routing
Helius
RPC & Webhooks
Kamino
Yield (roadmap)
Cloak
Privacy Layer
How it works
The sender doesn't need the recipient's wallet. The recipient doesn't need a wallet at all.
Sender
Sends 100 USDC → @alice
Vault Program
Escrow PDA created
@alice
Receives claim link
OAuth Verify
Identity confirmed
Funds Released
100 USDC → @alice wallet
Enter any X/Twitter, Instagram or WhatsApp handle. No wallet address needed — just the social identity.
The Vault Program on Solana creates a PaymentVault PDA with 7-day expiry. The handle is stored as SHA-256 hash — zero personal data on-chain.
Recipient gets a link — via DM, email, or any channel. They don't need a wallet or even know anything about crypto.
Recipient logs in with their social account. The program verifies the handle hash and releases funds directly to their embedded wallet.
Use cases
From P2P to enterprise payroll. From AI agents to global remittances.
Pay friends, split bills, tip creators — just type their @handle. No wallet address, no copy-paste errors.
Pay contributors by their Twitter or WhatsApp. Automated vaults, weekly or monthly cadence.
Send to anyone in the world. Off-ramp to local currency via PIX (Brazil), M-Pesa, and more on the roadmap.
One SDK function call. Let AI agents send payments without managing wallet addresses or complex signing flows.
Funds in pending vaults earn yield via Kamino Finance. Value accrues to the recipient while they sleep.
Optional Cloak relay mode shields the sender-recipient link on-chain. No trace on explorer.
Developers
The Pay on @ SDK is the simplest way to add handle-based payments to any Solana app. Three lines to send, one line for AI agents.
npm install @pay-on-handle/sdk
Zero peer dependencies. Works with any Solana stack.
Full TypeScript support
Typed API, Anchor IDL types, and React hooks included.
AI-native design
One-function API for tool-calling agents. Claude, GPT-4, Gemini ready.
import { PayOnHandle } from "@pay-on-handle/sdk";
// Initialize with your Solana connection
const protocol = new PayOnHandle(connection);
// Send to any social handle — 3 lines
const { claimUrl } = await protocol.send(
"@alice", // any X, Instagram or WhatsApp
100, // amount
"USDC" // SOL or USDC
);
// Share the link — recipient claims with their login
console.log(claimUrl);
// → "https://payonhandle.com/claim/4aXb9..."Security model
The protocol never holds your funds. Everything is managed by auditable smart contracts on Solana — the code is the law, not the company.
Handles stored as hashes
The recipient's @handle is SHA-256 hashed before going on-chain. Zero identity data exposed on the blockchain.
Unique state transitions
A vault goes Pending → Claimed OR Refunded. Once claimed, it's immutable. Double-claim is protocol-level impossible.
Verified arithmetic
Every calculation uses checked_add, checked_sub, checked_mul. Zero overflow/underflow risk in the Solana programs.
Threat Model
Vault Program · Anchor 0.32
Non-custodial
Funds live in a PDA controlled by the program — never in a company account.
Auto-refund
After 7 days with no claim, anyone can trigger the refund. Sender recovers everything.
On-chain privacy
Handles are SHA-256 hashed. No username or personal data stored on Solana.
Open source
Programs, SDK, and frontend are public and auditable. Zero proprietary hidden code.
Protocol
Pay on @ is built on three independent Anchor programs with well-defined responsibilities. Each can be audited and upgraded independently.
Maps (platform, hash(handle)) → wallet. Verified handles are registered here after OAuth proof.
Manages escrow PaymentVaults with create, claim, and refund instructions. Fee collected at creation.
Accumulates 0.5% from each transfer. Authority can withdraw SOL and SPL tokens.
0
Vaults created
0 SOL
SOL in escrow
0%
Claim rate
0
Social platforms
Everything you need to know about the protocol.
No wallet addresses. No KYC. No friction. Just a handle and a value.
Powered by Solana · 0.5% fee · Non-custodial · Open source