What is ReFi?

ReFi is a platform for launching tokens on pump.fun that automatically distribute creator fee revenue back to holders — proportional to their share of the supply, 24/7, without any manual intervention.

When you trade a token on pump.fun, a small portion of each trade is collected as a creator fee and held in the token's creator wallet. Without ReFi, those fees sit in the creator's wallet and holders see nothing. With ReFi, those fees are automatically claimed and distributed directly to every holder's wallet in SOL.

End-to-end flow

From launch to automatic holder rewards, here is exactly what happens:

1. 1

   Token Launch

   You deploy a token via the ReFi dashboard. ReFi creates a dedicated, isolated dev wallet for your token and deploys it directly on pump.fun with your image, name, symbol, and metadata. Your token's public ReFi page URL is embedded in the token metadata at launch.

2. 2

   Fee Accumulation

   Every trade on pump.fun generates creator fees credited to your token's isolated dev wallet. These accumulate over time. After your token bonds and migrates to PumpSwap, creator fees continue to accumulate from pool trading volume.

3. 3

   Volume Detection

   ReFi monitors each token's trading activity via DexScreener. When trading volume is detected in the current cycle window, the system knows fees are available to claim and proceeds automatically.

4. 4

   Fee Claim

   ReFi calls the pump.fun creator fee claim on behalf of your token's dev wallet. The claimed SOL is credited to the isolated dev wallet. A 5% platform service fee is retained by ReFi to fund infrastructure and ongoing development.

5. 5

   Holder Distribution

   The remaining 95% of claimed fees is distributed in SOL directly to every qualifying holder's wallet. Each holder receives a share proportional to their token balance relative to the total circulating supply. A small reserve is kept in the dev wallet to cover future transaction fees.

6. 6

   Cycle Repeat

   The process repeats on a configurable interval (default: 10 minutes). Each completed cycle is logged to the token's public page so anyone can verify the history of distributions.

Launching a token

ReFi makes token launches simple. You only need a wallet, an image, and a few details about your token.

What you need

• 🖼
  Token image — PNG, JPG or GIF up to 10 MB. This becomes your token's icon on pump.fun and across all explorers.
• 📝
  Name & symbol — Your token's full name and its ticker symbol (e.g. "My Token" / "MYTKN").
• 💬
  Description — A short description of your token that appears in metadata and on the public page.
• 🔑
  Master wallet — A Solana wallet funded with enough SOL to cover the token creation deposit (~0.07 SOL recommended), your initial buy, and Jito tip if using bundle mode.

Optional settings

• 🌐
  Social links — Twitter, Telegram, and website. If you leave the website blank, ReFi auto-populates it with your token's public page URL.
• 💰
  Initial buy — The amount of SOL you want to buy of your own token at launch. This happens in the same transaction as creation.
• 📦
  Bundle wallets — Add extra wallets to buy in the same Jito bundle as the creation transaction, for a coordinated launch.

Reward modes

You choose how your holders are rewarded at launch:

• ◎
  SOL rewards — Holders receive SOL directly. The simplest and most compatible mode — no token accounts needed.
• 🎯
  Fixed token — All creator fees are swapped into a specific token (e.g. your own token, USDC, or another token) and distributed. Holders receive that token instead of SOL.
• 🎁
  Holder choice — Holders connect their wallet on the public token page and pick their preferred reward token. ReFi distributes accordingly per holder preference.

Managing your token

Once launched, you can manage your token from the ReFi dashboard:

• ▶
  Start/stop rewards — Toggle the reward loop on or off at any time.
• ⏱
  Cycle interval — Adjust how frequently the reward cycle runs (in minutes).
• 📋
  Live logs — View real-time cycle logs directly in the dashboard and on the public page.
• 📥
  Import existing tokens — Already launched a token on pump.fun? Import its dev wallet private key to start running ReFi rewards on it.

Earning rewards as a holder

If you hold a token that was launched through ReFi, you automatically receive a share of the creator fee revenue from that token's trading volume — no staking, no claiming, no action required.

How rewards reach you

• 📬
  Automatic delivery — SOL (or your chosen reward token) is sent directly to the wallet that holds the token. You do not need to do anything.
• ⚖️
  Proportional to your share — Your reward is calculated as: (your balance / total supply) × distributable amount. Holding more means earning more.
• 📊
  Public history — Every distribution cycle is logged on the token's public ReFi page. You can verify exactly what was distributed and when.

Minimum holding threshold

Some tokens may have a minimum holding threshold configured by the creator. Wallets holding below this threshold will not receive distributions for that cycle. This prevents dust-level payouts that would cost more in Solana fees than they're worth.

Holder Choice rewards

If the creator has enabled Holder Choice mode, you can select which token you want to receive as your reward:

1. 1

   Visit the token's public page

   Go to refi.gg/t/{token-mint-address} and find the "My Reward Preference" section.

2. 2

   Connect your wallet

   Connect the Solana wallet that holds the token. This verifies your identity without giving ReFi any access to your funds.

3. 3

   Select your preference

   Search for any token and set your preferred reward allocation. You can split across multiple tokens — they just need to add up to 100%.

4. 4

   Sign the message

   Sign a message with your wallet to save your preference. This is a read-only signature — no transaction, no SOL spent, nothing leaves your wallet.

Fee model & distribution

Service fee

ReFi charges a 5% platform service fee on each creator fee claim. This is deducted from the total claimed amount before any distribution to holders occurs. The service fee funds ReFi's infrastructure, ongoing development, and the $REFI token rewards programme.

// Example: 1 SOL claimed from pump.fun
Claimed        = 1.000 SOL
Service fee    = 0.050 SOL  (5%)
Holder pool    = 0.950 SOL  (95%)
Reserve kept   = 0.005 SOL  (Solana tx fee buffer)
Distributed    = 0.945 SOL  (to holders this cycle)

Per-cycle distribution cap

Rather than sending the entire available balance in one cycle, ReFi distributes 20% of the available balance per cycle. This creates a smooth, consistent reward cadence — fees build up between claims and are released gradually, rather than in large infrequent spikes.

Minimum distribution threshold

If the distributable amount for a cycle falls below 0.005 SOL, that cycle is skipped. This prevents Solana network fees from consuming the reward before it reaches holders. The accumulated amount rolls over to the next cycle automatically.

Reserve balance

A reserve of 0.005 SOL is maintained in each token's dev wallet at all times. This ensures there is always enough SOL to pay Solana network fees for future claim and distribution transactions.

Holder reward calculation

Each holder's reward for a cycle is:

Holder reward = (holder_balance / total_supply) × distributable_lamports

Wallets holding below the minimum threshold are excluded from that cycle's distribution.

How ReFi keeps your data safe

Isolated dev wallets

Every token created through ReFi gets its own dedicated Solana wallet, entirely separate from your master wallet and from every other token's wallet. This means:

• 🔒
  Fee isolation — $PUNCH creator fees only ever reach $PUNCH holders. Wallets cannot cross-contaminate.
• 🛡
  Master wallet not exposed — Your master wallet is never involved in reward distribution transactions. It is only used for the initial token creation.
• 🧹
  Clean accounting — Each token's balance, history, and reward logs are independent.

What is public vs. private

• 🌐
  Public: token name, symbol, image, description, distribution stats, cycle logs, holder count, total distributed. All visible on the public explore page and individual token pages.
• 🔐
  Private: dev wallet private keys, master wallet details, creator identity, account credentials. None of this is accessible from any public-facing API or page.

Key management

Dev wallet private keys are stored server-side and are never transmitted to or accessible via any public API endpoint. The only access to private key material requires authenticated login to the ReFi dashboard, and is gated behind your account credentials.

Holder wallet interactions

When holders connect their wallet on a token's public page to set reward preferences, the interaction is read-only:

• ✅
  Only a message signature is requested — no transaction, no approval, no token access.
• ✅
  The signature proves wallet ownership without granting any authority to move funds.
• ✅
  Reward distributions are sent to holder wallets — holders never push anything.

API security

The ReFi API enforces strict access control: all management endpoints require authentication. Public endpoints only return sanitised data — no private keys, no raw wallet details, no user account information. Cross-origin requests are restricted to the ReFi domain.

Frequently asked questions

What's coming