Where the fees come from
Every trade of a pump.fun coin pays a creator fee. When a coin is launched on usecards, its creator fees are routed on chain to the usecards card treasury, and pump.fun locks that split at launch: it can be set only once, so neither the launcher nor usecards can change it later. (pump.fun's own community-takeover process is the only thing that can reset a coin's split.)
Whenever a coin has at least 0.01 SOL of fees waiting, usecards claims them, usually within a minute. Each claim is split by the coin's rules:
- 10% buys back and burns , on every coin.
- 0–20% goes to the launcher's dev card, whatever they picked at launch.
- The rest (70–90%) goes to the coin's top holders.
The dev card and holder shares are swapped from SOL to USDC straight away, so every card balance on usecards is backed in dollars.
What "top holders" means
When a coin launches, its launcher picks how many top holders earn: anywhere from 10 to 100. At each payout, usecards takes a snapshot of who holds the coin right then, ranks them by how much they hold, and pays the top ones. Addresses that aren't people are left out: the bonding curve, the trading pool, the usecards treasury, burn addresses and other program-owned accounts, and the launcher's own wallet (the launcher has the dev card instead).
How payouts are split
The holder share of a payout is divided among the current top holders in proportion to how much each holds. If the top 20 earn and you hold a quarter of what those 20 hold together, you get a quarter of that payout. A share under one cent isn't paid out on its own: it stays in the coin's pool and joins the next payout.
The minimum, and building up
Your share builds up as a dollar balance on usecards, separately for each coin. Every gift card has a smallest amount (often $5 or $10). Once your balance reaches it, you can claim any time, or let it keep building for a bigger card, so nobody ends up with a pile of tiny cards. When you claim, usecards picks the biggest card amount your balance covers; you can choose a smaller one. Whatever is left stays in your balance.
Regions
Gift cards are country-specific. Each coin's card is for one country (the US by default), shown on its page. On a "Holder's choice" coin, each holder picks any card from that country when they claim. Make sure a card works where you'll use it before you claim it: cards follow each brand's own terms and regions.
The dev card
The launcher's share builds up the same way, as a balance on usecards. They claim it from My cards like anyone else, choosing any card in any country, once it reaches that card's smallest amount.
The buyback
The platform's share of every claim (10%) is kept in SOL and, once enough builds up, used to buy $CARDS on the open market. Everything bought is burned. Look for the contract address next to $CARDS before you buy: other tokens use the same ticker.
Expiry
A balance that goes 180 days without a claim returns to its coin's holder pool, so it goes back to that coin's holders instead of sitting idle. Claiming a card restarts the clock for whatever is left. Each balance on My cards shows its date.
Codes are shown only to you
Cards are bought through Bitrefill and paid for from the usecards card float. The code, PIN or link appears on My cards, and only for the wallet that earned it, after you sign in with that wallet (a signed message, no transaction). Codes are encrypted at rest and never shown in the public claims feed. Treat a code like cash: anyone who has it can use it.