> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tipstack.fun/llms.txt
> Use this file to discover all available pages before exploring further.

# Tip Stack: Non-Custodial Tipping on Solana

> Tip Stack is a Solana-powered tipping platform. Creators receive payments directly — no intermediaries, no custody risk, instant settlement.

Tip Stack is a non-custodial tipping and monetization platform built on Solana. It bridges Web2 accessibility and Web3 execution: supporters can pay with a credit card or bank transfer, while every crypto settlement happens on-chain and lands directly in the creator's self-custody wallet — with no platform intermediary ever holding the funds.

## Who is Tip Stack for?

Tip Stack serves three distinct groups:

* **Creators** — musicians, developers, streamers, writers, artists, and anyone who wants a direct monetization channel from their audience.
* **Supporters** — fans and community members who want to send a tip using the payment method they prefer, whether that's SOL, USDC, or a Nigerian Naira bank transfer.
* **Developers** — teams who want to add a tipping layer to their own product using the embeddable widget or the REST API.

## Key features

<CardGroup cols={2}>
  <Card title="Non-Custodial by Design" icon="shield-check">
    Crypto tips are routed directly from the supporter's wallet to the creator's wallet on-chain. Tip Stack never holds your crypto funds.
  </Card>

  <Card title="Hybrid Payment Rails" icon="credit-card">
    Accept SOL, USDC, or any SPL token with automatic token conversion. Nigerian creators can also receive fiat tips via credit card and bank transfer in NGN.
  </Card>

  <Card title="Embeddable Widget" icon="code">
    Drop a two-line snippet onto any website — WordPress, Webflow, Shopify, or custom HTML — and a full tipping interface appears in an isolated iframe with your branding.
  </Card>

  <Card title="Solana Blinks" icon="bolt">
    Your tip link doubles as a Solana Action (Blink). Supporters on mobile can pay in one tap via a native wallet deep link without ever leaving the app they're using.
  </Card>

  <Card title="Real-Time Analytics" icon="chart-line">
    The creator dashboard tracks total tips received, top supporters, and trends — so you always have a live view of your earnings.
  </Card>

  <Card title="Fiat Off-Ramp (NGN)" icon="money-bill-wave">
    Nigerian creators can convert on-chain earnings to Nigerian Naira and withdraw to a local bank account directly from the dashboard.
  </Card>
</CardGroup>

## Platform fees

Tip Stack charges a percentage fee per transaction — **approximately 2% for crypto tips** and **approximately 5% for fiat (NGN) tips**. There are no monthly fees, no withdrawal fees, and no hidden charges.

<Note>
  The fee is always deducted at the point of settlement. For crypto tips the creator receives approximately 98% of the tipped amount; for NGN fiat tips the creator receives approximately 95%. You never owe anything after the fact.
</Note>

## Two user roles

<CardGroup cols={2}>
  <Card title="Creator (Receiver)" icon="user-circle">
    Connect a Solana wallet or sign up with email to get a secure embedded wallet provisioned instantly. Set up your profile, share your link, and receive tips directly on-chain. Use the dashboard to track earnings and initiate fiat off-ramp.
  </Card>

  <Card title="Supporter (Tipper)" icon="hand-holding-heart">
    Visit a creator's page or embedded widget. Choose an amount, pick your payment method (crypto or card), optionally leave a message, and confirm. No account required to send a tip.
  </Card>
</CardGroup>

## How payments work

Tip Stack supports two payment rails that can be active simultaneously:

* **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. The transaction settles 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 and can be withdrawn to a local bank account at any time.

For a detailed walkthrough of each flow, see the [How It Works](/how-it-works) page.