How it works.

Central Bank is an issuance protocol on top of pump.fun. When you launch a coin through us, two signed transactions are sent back-to-back from your wallet:

1. createAndBuy issues the coin on pump.fun and runs your initial buy.
2. createFeeSharingConfig + updateFeeShares locks the fee split between the creator and the reserve.

The split is locked at issuance. Pump.fun's protocol enforces it for the lifetime of the coin. There is no off-chain agreement and no party can revoke or alter it.

The reserve share is decided once at launch. Four tiers are available:

A higher tier sends more of your fees to the reserve, in exchange for greater promotional support and visibility.

All routed fees collect in one on-chain wallet — the reserve. Every five minutes, a settlement bot does the following:

1. Sweeps available fees from each member coin.
2. Snapshots all $CentralBank holders above the qualifying threshold.
3. Distributes the reserve balance pro-rata to each holder.

Distributions are paid in SOL, directly to the holder's wallet. Nothing needs to be claimed manually.

To qualify for distributions, a wallet must hold at least 100,000 $CentralBank at the time of the snapshot. Distributions are weighted by balance — twice the balance, twice the share.

Holding is the only requirement. There is no staking, locking, or registration.

Central Bank distributes whatever fees its member coins generate. If activity is high, distributions are large. If activity is low or member coins fail, distributions are small or zero. There is no guaranteed yield, no buyback, no reserve backing other than fees collected.

$CentralBank is a community memecoin. It is not a security, a managed fund, or a deposit-taking institution. The name is a play on its mechanism, not a claim about regulation or affiliation.

Central Bank is a frontend on top of pump.fun's existing on-chain protocol. We deploy no custom Solana program — pump.fun's fee-sharing module handles every payment.