Payments on Elysium · $SPLASH
Pay a phone number. Splash a group chat.
Send dollars on Elysium to anyone with a phone number, an email or a handle. They claim it with a one-time code. You never pay a network fee.
- ≈1 s
- to land
- $0
- network fee
- 0
- wallets needed
Friday crew
21 people
Mayalunch is on me today
$50.00
Friday lunch · 20 people · $2.50 each · 24 h
+$2.50Leo claimed
+$2.50Nora claimed · new account
+$2.50Sam claimed
+$2.50Ava claimed · new account
+$2.50Theo claimed
Norawait, I didn't even have a wallet. now I do?
20 of 20 claimed · 11 new accounts · network fees $0.00
Pinned · Contract address
Pre-launchNot launched yet
$SPLASH launches on Montra, Elysium's launchpad, with the app already open. The address appears here, and only here, at launch.
Careful: Fake addresses appear within minutes of any launch. Copy the address from this page or @Splashpayapp only.
Venues appear here at launch:MontraDexScreenerGMGNElyscan
$SPLASH contract address
Send
Type a number. The money is there in about a second.
Sign in with a one-time code to your email or with your handle. Your account is a smart account on Elysium, computed from your key and deployed on your first send. Splashpay covers the network fee.
- 01
Sign in
One-time code to your email, or sign in with your handle. No seed phrase, no extension.
- 02
Add dollars
USDC from any Elysium wallet, or from HyperEVM through the canonical bridge.
- 03
Pay anyone
A phone number, an email or a @handle, then the amount. They have Splashpay: it moves account to account.
- 04
No fee token
The paymaster covers the network fee. You never hold HYPE to move dollars.
- 05
One receipt
One transaction hash, in both activity feeds and on /stats.
To
+1 415 555 0142
phone · email · @handle
✓ Sam Carter · on Splashpay
$20.00
USDC
dinner, thanks!
- Network fee
- $0.00 (covered)
- Arrives
- about a second
Send $20.00
≈0.00007 HYPE
network fee of one ERC-4337 USDC transfer at Elysium's 0.5 gwei base fee (about half a cent at HYPE = $72)
≈0.00016 HYPE
first send, which also deploys the account (about one cent)
20 / 100 / 500 / ∞
covered sends per day, by tier. Above it the fee is taken from the amount at cost and shown before you send
Claim
Pay people who do not have a wallet yet.
Money sent to a number or email with no account waits in an escrow contract, never in a server wallet. The recipient opens the link, signs in with a one-time code, and the money moves to their new account.
Leo sent you
$15.00
“for the tickets”
Claim it with a one-time code
nora@example.com
Send code
No app to install. No wallet needed. Unclaimed money returns to Leo after 30 days.
Escrowed
Leo pays nora@example.com $15. No account yet, so SplashEscrow holds it and Leo gets a claim link.
Claimed
Nora opens the link, gets a one-time code, and the claim pays her new account. Leo sees "claimed".
Cancelled
Leo can cancel any unclaimed payment, at any time. The money returns to him.
Returned
Nobody claims within 30 days: the payment returns to Leo by itself.
- Funds sit in the SplashEscrow contract, never in a server wallet.
- A claim needs a fresh one-time code sent to the paid identifier.
- The identity service signs one message: this entry, this account. The contract pays only that account, only once.
- Every escrow entry is public on-chain. The identifier is not: a salted hash stays off-chain.
Drops
One link. A whole group chat paid.
Set an amount, a number of people and a split. Splashpay locks the money in SplashDrops, fixes every share before anyone can claim, and gives you one link. The first people to tap it claim the shares, one each.
one link · many shares
- 01
Creator sets amount · people · split (equal or surprise) · expiry · who may claim.
- 02
The money moves into SplashDrops and the list of shares is committed on-chain as one hash.
- 03
One link goes into the group chat.
- 04
Each person opens it, signs in with a one-time code or a handle, and claims the next share.
- 05
Filled: the creator sees who claimed. Expired: whatever is left goes back to the creator.
Why a surprise split is fair
- Shares are drawn and shuffled when the Drop is created, before anyone can claim.
- The shuffled list is committed as one hash. Nobody, including Splashpay, can change a share after that.
- Each claim opens the next share and proves it against the committed list.
- Claimers never pay anything to take part. A Drop is a gift with a reveal at the end.
Draw a Drop
20 shares · $2.50 each · adds up to $50.00 exactly
Commitment (SHA-256 of the share list)
drawn in your browser when you press Draw shares
Runs the same split the contract will use: shares in cents that add up to the total exactly, fixed and hashed before the first claim.
1 to 2,000 people · $0.01 minimum share · launch cap $5,000 per Drop
Meter
Trading pays for transfers. In public.
$SPLASH launches on Montra's 2% fee tier. About 1.3% of every trade reaches the token's fee recipient: the Splash Pool contract, set at launch, not a team wallet. A keeper claims it every hour, and every claim is split the same way, in public.
Team & development
40% · $2,080
salaries, audits, infrastructure
Cashback for senders
25% · $1,300
buys $SPLASH for the weekly cashback
Transfer fund
15% · $780
refills the paymaster that covers network fees
Buyback & burn
10% · $520
buys $SPLASH and sends it to the burn address
Reserve
10% · $520
bug bounty, partners, liquidity support
Run the meter
$5,200
into the Splash Pool
148,401
transfers covered
The meter would read: “Trading today paid for 148,401 transfers.”
Example, not a forecast. Network fee ≈ $0.0053 per transfer (0.00007 HYPE at HYPE = $72).
- 01Every split is a transaction you can open from /meter.
- 02The split changes only through a 7-day timelock, announced on /meter.
- 03Transfer fund overflow: anything above 60 days of measured network fees moves to cashback.
- 04Cashback never exceeds its weekly budget. When the budget is short, rates scale down.
Receipts
Every number links to a transaction.
The /stats and /meter pages read the chain, not a database. Before launch they read zero, and this page says so.
splashpay.app/stats
Pre-launch- Accounts
- 0
- Transfers
- 0
- Volume
- $0
- Drops
- 0
- Claims
- 0
- Burned
- 0 $SPLASH
Nothing to show yet: the token and the app go live together. From launch, each line opens its transaction on the explorer.
Compared
What sending money usually costs you.
Usual ways
Splashpay
Usual ways
Banks and remittance services: about 6.5% on a $200 transfer, days to land
Splashpay
Dollars land in about a second and the network fee is covered
Usual ways
Bank details or a long wallet address before you can pay
Splashpay
A phone number, an email or a handle is enough
Usual ways
Crypto wallets: seed phrases and a fee token before the first send
Splashpay
One-time code sign-in, a smart account per person, no fee token
Usual ways
Token-first payment projects: the token trades, the app is coming soon
Splashpay
The app is open before the token trades
Usual ways
User numbers nobody can check
Splashpay
Every number on /stats links to a transaction
Usual ways
Trading-fee revenue kept by whoever deployed the token
Splashpay
The Meter shows fees paying transfers, cashback and burns
Usual ways
Holding wallets for new users, controlled by a server key
Splashpay
An escrow contract: the sender can cancel, unclaimed money returns after 30 days
Remittance cost: World Bank Remittance Prices Worldwide, global average for $200, Q1 2025 (6.49%).
Friction
Why small payments still break.
6.5%
Banks and remittance services charge about 6.5% on a $200 transfer, and the money can take days.
42
Crypto fixes the speed, then asks for a wallet app, a seed phrase, a 42-character address and a fee token.
0
You cannot pay someone who has no wallet, and the person you want to pay is usually the one who has none.
×N
Splitting money across a group, a bill, a gift, a prize for the chat, takes one transfer per person.
?
On new chains, payment tokens trade for days before any app opens, and their user numbers cannot be checked.
Why now
- 01Elysium opened to the public on Nov 9, 2026. Payment habits on the chain are not formed yet.
- 02USDC arrives from HyperEVM through the canonical bridge and settles in about a second.
- 03Smart accounts (ERC-4337) and paymasters let an app cover the network fee.
- 04The first payments app that works on a new chain becomes the way people there pay each other.
Token
$SPLASH raises limits. Payments never need it.
Sending, requesting and claiming are free for everyone. Holding $SPLASH in your account, or in up to three linked wallets, sets a tier that raises your limits at the next hourly snapshot. No staking, no lock.
Drizzle
everyone
- Covered sends / day
- 20
- Drop size
- 20 people · 3 live
- Cashback
- 1x
Send, request, claim: always free
Shower
100K $SPLASH
- Covered sends / day
- 100
- Drop size
- 100 people · 10 live
- Cashback
- 1.25x
Surprise split first (Phase 2)
Downpour
1M $SPLASH
- Covered sends / day
- 500
- Drop size
- 500 people · 25 live
- Cashback
- 1.5x
Custom Drop card · 4+ letter pay tag
Monsoon
5M $SPLASH
- Covered sends / day
- Unlimited
- Drop size
- 2,000 people
- Cashback
- 2x
Featured on the Drop wall · votes on Meter split changes
What $SPLASH never does
- Never needed to send, request or claim money.
- Never pays anyone for owning it: tiers raise limits on things you do.
- Never minted again: cashback is bought on the market.
- Never a vote over anyone's funds: votes cover the Meter split only.
Revenue
No cut of a payment between two people. Ever.
Free, forever
- Sending, requesting and claiming between people
- Creating a Drop: claimers receive the full amount
- Network fees within the daily allowance
- Above the allowance: the network fee at cost, no margin
- launch
01Creator share
≈1.3% of every $SPLASH trade, to the Splash Pool
- launch
02Project Drops
1% of a Drop a project funds for its community
- Phase 3
03Swap-and-send
0.3% on the swapped part when you pay with any Elysium token
- Phase 3
04Merchant links
0.5% of each settled checkout payment
- Phase 3
05Payouts API
0.25% per batch, capped, for paying hundreds of people at once
- Phase 3
06Pay tag auctions
2 to 4 character tags; half bought back and burned
Every stream is paid into the same Splash Pool and split the same way as the creator share.
Supply
Fair launch. Fixed supply. Burns you can open.
- Ticker
- $SPLASH
- Total supply
- 1,000,000,000, fixed, no mint
- Chain
- Elysium (chain ID 99901), network fees in HYPE
- Launch
- 100% in the Montra pool (Uniswap v4, paired with HYPE)
- Fee tier
- 2% · creator share ≈1.3% to the Splash Pool
- Team allocation
- None
- Presale / VC
- None
- Team purchases
- In the open pool like everyone, disclosed with wallet addresses
- Launch window
- Montra's early-buy fee on, so bots pay to rush the first minutes
- Contract
- Shown in Pinned at launch
Demand
- Tiers: more covered sends and bigger Drops
- Cashback paid in $SPLASH, bought on the market every week
- Burns every hour from the Splash Pool
- Featured Drops and split votes for Monsoon
- Every claim page and Drop card links back to the token
Burns
- 10% of everything the Splash Pool receives buys $SPLASH and burns it.
- Half of pay tag auction proceeds buy $SPLASH and burn it (Phase 3).
- Each burn is shown on /meter with its transaction.
- No emissions: cashback is bought, never minted.
Stack
Your key signs. Contracts hold the money. The chain keeps the receipts.
Splashpay app
PWA · signs on your device
Identity service
codes · keyed hashes · claims
API + indexer
/stats · /meter · activity
Bundler
EntryPoint v0.7
Paymaster
ERC-7677 · covers fees
Elysium 99901
accounts · USDC · HYPE
Escrow + Drops
SplashEscrow · SplashDrops
Splash Pool
fee recipient · splits hourly
SplashEscrow
Holds payments to identifiers with no account. One signed claim, once. Cancel any time. Returns after 30 days.
SplashDrops
One Drop = amount, slots, split mode, committed shares hash, expiry, rules. One claim per identity hash.
SplashPool
The $SPLASH fee recipient. Splits every claim 40/25/15/10/10 behind a 7-day timelock, one event per split.
CashbackDistributor
One Merkle root per weekly epoch; senders claim from the app.
PayTags
Tag → account registry (Phase 2); short-tag auctions (Phase 3).
- Identifiers are stored as keyed hashes. The plain value exists only during the one-time code step.
- Contact lookup sends hashes, never address books.
- Amounts and accounts are public on-chain. Identifiers are never on-chain.
- Payment notes are encrypted to the sender and the recipient.
- Launch caps: $1,000 per escrow payment and $5,000 per Drop, raised in steps after reviews.
- Contracts reviewed and source-verified before mainnet; a bug bounty from the reserve.
- The identity signer key lives in a hardware security module; every signature is logged publicly.
- A pause guardian can stop new escrows and new Drops only. Claims, cancels and returns can never be paused.
Score
Boards count people, never volume.
Splash Score
- ×10different people paid in 30 days
- ×5new accounts your Drops opened
- ×2requests paid
- ×1active days in 30 days
Score decays 2% a day without activity. Badges are cosmetic: no money is attached to any badge.
Weekly boards
- Biggest Splash
- largest Drop of the week
- Most Shared
- most claimers
- Connector
- most different people paid
Badges
- First Splash · your first Drop filled
- Rainmaker · 100 people claimed your Drops
- Connector · you paid 25 different people
- On Time · 10 requests paid within a day
- Early Wave · account opened in the launch week
Defence
How the free parts stay free.
Attack
Defence
One person claims a Drop many times
One claim per verified identity; handles must be 30+ days old unless the creator allows newer ones
Bots farm claims
Limits per device and per network address; disposable email domains refused
Sending money in circles for cashback
A pays B, B pays A within 7 days: excluded from cashback and boards
Fresh accounts farming cashback
Cashback starts after 7 days or after paying 3 different people; $1 minimum, $500 counted per week
Draining the transfer fund
A covered-send allowance per tier; above it the sender pays the network fee at cost
A bad weekly payout
Every cashback root is reviewed before it is published; flagged accounts wait
Roadmap
App first, token second, everything on-chain.
Phase 1
nowWeeks 0-2
- App live: sign-in, send, request, claim links, equal-split Drops
- USDC and HYPE, with a bridge guide from HyperEVM
- /stats and /meter reading the chain; docs with fees, limits, risks
- $SPLASH fair launch on Montra, the Splash Pool as fee recipient
- First cashback epoch at the end of week 2; bug bounty from day one
Phase 2
Weeks 3-8- Phone sign-in with daily limits; contact lookup by hash
- Surprise split and Drop rules (account age, invite only)
- Pay tags of 6+ characters and splashpay.app/@tag links
- Weekly boards, Splash Score and badges; caps raised after review
Phase 3
Months 3-6- Swap-and-send with any Elysium token
- Merchant links and the Payouts API; Project Drops
- Card top-up through a licensed partner; short pay tag auctions
Phase 4
Months 6-12- Cash-out to local currency through licensed partners
- Private payments: amounts and parties shielded
- Proof-based claims (email proofs) to remove the trusted signer
- A pay-by-handle SDK for other Elysium apps
Launch day
- T-24hTeaser: a screen recording of one Drop filling up in a real group chat
- T-2hThe app opens to everyone. First public Drop: $100 for 50 people
- T-0$SPLASH launches on Montra; the address is posted from @Splashpayapp only
- T+1h/meter shows the first creator-share claim and its split
- T+6h"First six hours" post, every number linked
- T+24hReceipts post: accounts, transfers, Drops, Meter totals, each with a transaction link
Decisions
What we chose, and why.
App live before the token
trust needs a working app
Elysium + Montra
a new chain with the payments seat open
USDC as the default
people think in dollars
Email + handle sign-in first
SMS costs money and gets abused
Escrow claim links
no server-held keys
Drops as the growth engine
every Drop opens accounts
Meter split 40/25/15/10/10
fees visibly pay users
Cashback bought, not minted
no emissions, real buys
Tiers raise limits only
core payments stay free
No cut on person-to-person
the free promise is the product
Stats from the chain only
every number is checkable
Caps raised in steps
risk grows with proof
Fair launch, no team allocation
trust from day one
Cash-out via partners, later
no promise we cannot keep
Watched
What we measure, and what we ignore on purpose.
We watch
- 01New accounts per day, and the share opened by claims and Drops
- 02Weekly active senders: paid at least one different person
- 03Transfers per day and the median transfer size
- 04Drop fill rate and time to fill
- 05Escrow claim rate within 7 days
- 06Covered network fees against transfer fund inflow
- 07$SPLASH volume → Splash Pool inflow → share returned to users
We ignore
- Raw volume: it is the easiest number to fake
- Wallet counts with no payment behind them
- Follower counts and post impressions
- Price, as a measure of whether the product works
Honest take
Strengths, and the risks we plan for.
Strengths
- A working app on day one, on a chain whose payment habits are not formed yet
- Drops turn every gift into new accounts, with no ad budget
- Network fees are under a cent, so trading fees can carry them for a long time
- Claim links without custody: escrow, cancel, automatic return
- Every number is checkable, which most token launches cannot say
Risks
- No cash-out to local currency at launch: recipients get USDC, not a bank balance
- Another payments app on Elysium: the answer is a working app on day one and Drops
- Low trading volume: the reserve can carry the transfer fund for months
- Version one trusts the identity signer: a public key, a public log, proof-based claims on the roadmap
- First deposits need USDC bridged from HyperEVM, which is one more step for new people