Capital flow
Creator fees from pons.family are claimed in batches, sold for dollars at a settlement desk and delivered to the creator's Money account. 20% of each claim buys $ONPAID and burns it.
Off-ramp
A pons.family token names ONPAID as its fee wallet
The fee wallet is set when the token is created, and only its current holder can move it, so the routing is fixed from the first trade. Fees are paid in ETH. The X handle is read from the token description, and every claim is split 80% to the creator and 20% to the $ONPAID buyback.
The desk turns ETH into dollars
The recipient share of each claim arrives at the settlement desk as ETH and is sold for US dollars there. Sales are grouped into batches instead of one order per payout, which keeps spreads and fees down.
$ONPAID is bought and burned
The protocol share buys $ONPAID on the open pons.family market in ETH, then sends it to the burn address in the same run. Supply only ever goes down, and both transactions sit on Robinhood Chain for anyone to check.
Dollars top up the X Money float
Settled dollars move into the X Money balance held by @onpaidxyz. Payouts are made from that float, which is kept larger than what is currently owed so a payout never waits on a bank transfer.
The named account gets paid
A peer-to-peer X Money transfer moves the balance to the handle the token named. The payout worker approves it with its enrolled security key, then @onpaidxyz replies with the receipt so the payment is public.
Money operations
X Money can require a security key before a payment goes out. @onpaidxyz has one registered, and it is held by the payout worker. When X asks for confirmation, the worker signs the challenge with that key and the transfer completes through the normal X Money flow — which is why payouts run without anyone pressing a button.
Approval
Hardware security key kept by the payout worker
Transfer cap
No fixed ceiling on peer-to-peer sends
Cost
$0 per transfer
Smallest payout
$1 per transfer
Based on X Money settings as of September 2026.