Two payment rails
Tip Stack supports two distinct ways for supporters to send a tip. You can accept both at the same time.Crypto Rail
Supporters pay with SOL, USDC, or any SPL token held in their Solana wallet. Token conversions are handled automatically so the creator always receives a consistent output token (USDC or SOL). The transaction is signed by the supporter and settled on Solana in seconds.
Fiat Rail (NGN)
Supporters pay with a Nigerian Naira credit card or bank transfer. After the payment is confirmed, the creator’s Tip Stack balance is credited. Nigerian creators can withdraw this balance to a local bank account at any time.
Crypto payment flow
The crypto rail uses automatic token conversion to swap any SPL token the supporter holds into the token the creator prefers to receive, routing the net amount directly to the creator’s wallet.Supporter picks an amount
The supporter visits the creator’s tip page or embedded widget, selects or enters a USD-denominated amount (preset options: 5, 25, $50), and optionally leaves a message.
Supporter selects a token
The widget shows the supporter’s connected wallet balances. The supporter picks which SPL token to pay with — SOL, USDC, JUP, BONK, or any other token in their wallet. The interface displays a live conversion quote showing how many tokens the chosen amount requires.
Transaction is built
Tip Stack’s backend builds a versioned Solana transaction. The transaction includes:
- A swap from the supporter’s token to the creator’s preferred output token (USDC by default, or JitoSOL if the creator has yield mode enabled)
- A platform fee transfer of approximately 2% of the tip amount to the Tip Stack treasury wallet
Supporter signs the transaction
The transaction is sent to the supporter’s browser (or mobile wallet). The supporter reviews the amount and approves it in their wallet. On mobile, a Solana Pay deep link routes to the wallet app for one-tap approval. On desktop, supporters without a connected wallet can scan a QR code to pay from their phone.
Transaction is confirmed on-chain
Once the transaction is broadcast to Solana and confirmed, Tip Stack receives an on-chain notification. The tip is recorded in your dashboard and a receipt email is sent to the supporter (if they provided an email).Your tip is considered confirmed once it appears on-chain. This typically happens within a few seconds of the supporter signing.
Fiat payment flow (NGN)
The fiat rail is available to Nigerian creators who have completed fiat account setup during profile onboarding. Supporters can pay in NGN using a card or bank transfer.Supporter enters an NGN amount
The supporter selects Card as the payment method. The widget displays a live exchange rate and shows the NGN equivalent of the USD tip amount.
Checkout session is created
When the supporter clicks Send, Tip Stack creates a payment session with the fiat payment provider. The platform fee (~5%) is calculated and the net NGN amount is passed through. Each session uses a unique identifier to ensure it is processed exactly once.
Supporter completes the checkout
The supporter is presented with bank transfer details (account number, bank name, and a payment reference) or a card checkout to complete the payment. For bank transfers, the supporter initiates the transfer from their own bank and then confirms in the widget.
Payment is confirmed
The payment provider notifies Tip Stack when the payment is confirmed. Tip Stack verifies the notification and credits the creator’s internal ledger balance.
Non-custodial architecture
Tip Stack is designed so that the platform never holds your funds for crypto payments.- Crypto transactions are constructed on the server but signed exclusively by the supporter’s wallet. The platform cannot move funds without the supporter’s private key.
- There are no pooled wallets, escrow contracts, or batching delays. Each tip is a direct on-chain transfer.
- You can always verify your tip history against the Solana blockchain — every confirmed tip maps to a real, immutable on-chain transaction signature.
Fee structure
| Payment Rail | Fee | Who Pays | Where It Goes |
|---|---|---|---|
| Crypto (direct transfer) | ~2% of tip amount | Deducted from tip | Tip Stack treasury (on-chain) |
| Crypto (with token swap) | ~2% of tip amount | Deducted from tip | Tip Stack treasury (on-chain) |
| Fiat (NGN) | ~5% of tip amount | Deducted before checkout | Tip Stack treasury (off-chain) |
For crypto tips, the creator receives approximately 98% of the tipped amount after the platform fee. For NGN fiat tips, the creator receives approximately 95%. Network transaction fees on Solana are typically a fraction of a cent and are paid by the supporter as part of the transaction.
On-chain confirmation
From your perspective as a creator, a tip is confirmed the moment it appears in your Tip Stack dashboard. That confirmation is driven by on-chain verification:- Tip Stack monitors all transactions involving your wallet address.
- When a confirmed transaction arrives, it is verified for authenticity and checked to ensure it has not already been processed.
- Only valid transfers with a positive amount (where sender and recipient are different) are written to your tip history.
- The confirmed tip maps to a real, immutable on-chain transaction signature that you can look up at any time on a Solana block explorer.