Coin fees, wired to
any bank account.
Launch a coin on Solana and name who gets paid. Every trade pays a fee, and once a day the fees land in their bank account by SEPA. They never need a wallet.
USDCThe person you pay
never touches crypto.
No wallet to install, no seed phrase, no exchange account, no swapping SOL into euros. You enter their IBAN, and Wire sends the fees there.
WITHOUT WIRE
WITH WIRE
is an IBAN.
You enter their IBAN when you launch. The fees are sent to that account with a clear reference, like any other bank transfer.
Start a wire
Ledger
Every payout, with the end-to-end reference the bank sees.
| TIME (UTC) | COIN | FEES (SOL) | EUR | PAID TO | RAIL | END-TO-END ID | STATUS |
|---|
How a fee becomes a bank transfer
Six steps, all logged. The coin side runs on Solana; the bank side runs on SEPA.
Trade
Someone buys or sells the coin. The trade pays a 1% fee.
Fee
0.90% is set aside for the person you named. 0.10% goes to Wire.
Escrow
The fees are swapped to USDC and held in the coin's escrow account, on-chain.
Batch
Once a business day, everything above €25 goes into one payout.
SEPA
A licensed off-ramp partner sends it as a SEPA Instant transfer, or standard SEPA.
Bank account
It arrives with the reference WIRE/TICKER/FEES. The receipt is posted on-chain.
10 OCT SEPA CREDIT TRANSFER
WIRE/HARBOR/FEES/2026-10-10
E2E WIRE-HARBOR-000184
+1,284.20 EURwire:payout v1 coin HARBOR rail SEPA_INST amount 1284.20 EUR e2e WIRE-HARBOR-000184 iban DE89…3000 (hash on file)
Rails
Where the money can go today, and how fast.
| RAIL | WHERE | CURRENCY | ARRIVES | SCHEDULE | MINIMUM | STATUS |
|---|---|---|---|---|---|---|
| SEPA Instant | EU, EEA, UK, Switzerland and the rest of the SEPA area | EUR | About 10 seconds | Business days, 16:00 CET | €25 | LIVE |
| SEPA Credit Transfer | Same area, for banks without Instant | EUR | Next business day | Business days, 16:00 CET | €25 | LIVE |
| Money | United States | USD | 1 to 3 days | Weekly, Fridays | $50 | PAYOUT DESK |
X Money does not offer a public API yet. Until it does, X Money payouts are sent by hand from the Wire payout desk, once a week, with a receipt for each one. Bank payouts are executed by a licensed off-ramp partner after it verifies the account holder (KYC).
Questions
- Does the person I pay need a crypto wallet?
- No. They need a bank account in the SEPA area, or an X Money account in the US. They never install anything, never hold a token and never convert anything.
- How do they confirm the account is theirs?
- We send €0.01 to the IBAN with a six-character code in the reference, for example WIRE VERIFY 7Q4K2X. They read the code from their banking app and enter it on Wire. Until then, the fees wait in escrow.
- What if they never confirm?
- The fees stay in the coin's escrow account. After 180 days without a confirmed account, the balance buys back the coin and burns it.
- Can I change who gets paid later?
- Yes. You sign the change with the wallet that launched the coin, the new account confirms with its own one-cent transfer, and the switch takes effect after 72 hours. The delay is there to stop account takeovers.
- Who actually sends the money?
- A licensed off-ramp partner turns USDC into euros and sends the SEPA transfer. The account holder passes its identity check (KYC) once. Wire is not a bank and never holds euros.
- How much does it cost?
- Every trade pays 1%. 0.90% goes to the person you named, 0.10% to Wire. There is no fee for the transfer itself, and nothing to pay at launch beyond your initial buy.
The Wire coin
Launching on pump.fun · checking every 30 seconds