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TL;DR
- A token account, not the wallet address itself, holds USDC; 1 USDC is 1,000,000 base units because USDC has 6 decimals.
- Confirmed means very likely final; finalized means it will not be rolled back. Fianto shows the customer success at confirmed and marks the order paid at finalized.
- A subscription is a capped approval the program enforces; removing that approval is not a cancel, and a refund is always a new transfer you send.
What do the wallet and account terms mean?
Wallet and account terms describe where money sits on Solana: a wallet signs, and separate accounts hold each token. Solana counts everything as an account, including programs.
| Term | What it means | Read more |
|---|---|---|
| Wallet | Software or a hardware device that holds the keys to your addresses and signs for them. Fianto pays each sale into a wallet you control, which you prove with a signed message during setup. | Business wallets: hot, hardware, multisig |
| Address | A 32-byte account address, written as a base58 string, that identifies a wallet, a token account or a program. Anyone can send to a wallet address; only the holder of its key can sign for it. | What a Solana address is |
| Seed phrase and private key | A private key signs for one address; a seed phrase is a list of words a wallet derives its keys from. Whoever holds either one controls the funds. | Seed phrase vs private key |
| Custodial and non-custodial | Custodial means a provider holds the money and pays you out later; non-custodial means it goes straight to a wallet you control. Fianto is non-custodial: it has no balance and no payouts. | Custodial vs non-custodial payments |
| Token account | An account that holds one token, such as USDC, for one owner. A wallet's USDC lives in its token account, not in the wallet address itself. | What an associated token account is |
| Associated token account (ATA) | The token account at an address anyone can derive from the owner's wallet and the token's mint. Fianto's checkout takes USDC from the customer's ATA, and your receiving wallet must already have a USDC token account. | Associated token accounts explained |
| Rent | SOL an account must hold for as long as it exists; Solana's reduced-rent page calls it "a fully refundable bond that pays for the storage an account occupies". One-off payments need none. As of 15 October 2026 a Fianto subscription account holds about 0.00144 SOL, returned when the customer reclaims it after the subscription ends, and a wallet's first subscription also pays about 0.00119 SOL for a one-time setup account that is not returned; the checkout shows the live amounts. | Close empty token accounts and get SOL back |
What do the token and unit terms mean?
Token and unit terms say which money moves and how it is counted. Programs never handle "25.00 USDC"; they handle whole numbers of the smallest unit.
| Term | What it means | Read more |
|---|---|---|
| Stablecoin | A token designed to keep a fixed value against a currency, usually the US dollar. It is what makes a price in crypto mean the same thing next month. | Stablecoin payments for business |
| USDC | Circle's dollar stablecoin, which Circle says you can "redeem 1:1 for US dollars". It is the only token Fianto accepts, and only on Solana. | How USDC is backed and redeemed |
| Mint | The account that defines a token, its supply and its decimals; its address is the token's identity. Native USDC on Solana is EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v, the only mint Fianto moves. | Checking for real USDC on Solana |
| SPL token | A token run by Solana's Token program, the standard USDC on Solana uses. Every USDC transfer in a Fianto payment is an instruction to that program. | What an SPL token is |
| Token-2022 | A newer token program with optional extensions. Fianto's checkout accepts transfers through the original Token program only. | Token-2022 vs the original Token program |
| Base units | The whole number a program actually moves. USDC has 6 decimals, so 1 USDC is 1,000,000 base units, and a Fianto price can have at most 6 decimals. | USDC decimals and Solana units |
| SOL | Solana's native token, used for network fees and rent. A customer needs a little SOL even to send USDC; with Fianto, you need none to receive. | Why you need SOL to send USDC |
| Lamport | The smallest unit of SOL, which Solana defines as 0.000000001 SOL. Network fees and rent are counted in lamports. | Lamports and other Solana units |
| Frozen account | A token account that the token's freeze authority has locked, so it cannot send that token. A Fianto renewal from a frozen account counts as a failed attempt. | Can USDC be frozen? |
| Bridge and CCTP | A bridge moves a token between blockchains; Circle's CCTP "natively transfers USDC across blockchains using burn-and-mint". A customer with USDC elsewhere must move it to Solana before paying through Fianto. | Moving USDC to Solana |
What do the transaction and timing terms mean?
Transaction terms describe how a payment is built, signed, sent and settled. In a one-off Fianto payment the customer signs one transaction with three instructions during the beta, and Fianto sends it to the network.
| Term | What it means | Read more |
|---|---|---|
| Transaction | A signed bundle of instructions the network runs together or not at all. On Solana a legacy transaction, the kind Fianto builds, is at most 1,232 bytes; the newer v1 format allows 4,096. | What a blockchain transaction is |
| Instruction | One call to a program inside a transaction, such as "transfer 25 USDC". A Fianto one-off payment has two compute-budget instructions and one USDC transfer while the Fianto fee is zero. | A real payment, instruction by instruction |
| Program | Solana's word for code deployed on chain; it decides what each instruction may do. The Token program moves USDC, and the Subscriptions program enforces subscription caps. | Programs, not smart contracts |
| Signature | A 64-byte Ed25519 signature from an account that authorises a transaction. The fee payer's signature is also the transaction's ID on an explorer such as Solscan. | Reading a payment on an explorer |
| Signed message | A signature over text instead of a transaction; it moves no money. Fianto uses one to prove your receiving wallet and to sign a customer into the portal at fianto.xyz/my. | Sign message vs sign transaction |
| Blockhash | A hash of a recent block that every transaction carries; Solana treats it as valid for 150 slots, after which the network refuses the transaction and nothing moves. | Blockhash not found |
| Network fee | The fee Solana charges per transaction, a base 5,000 lamports per signature; the customer pays it and the merchant never does. Fianto also uses the name for a flat 0.01 USDC the customer currently pays with each subscription charge on plans created since 6 October 2026; one-off payments carry none. | Who pays the fees in a crypto payment |
| Priority fee | An extra fee that asks validators to include a transaction sooner: the compute unit price, in micro-lamports, times the compute unit limit, divided by 1,000,000 and rounded up. Fianto builds one-off payments with a 60-lamport priority fee, so the network fee totals 5,060 lamports unless the wallet raises it. | How much a Solana transaction costs |
| Confirmed | A transaction a supermajority of stake has voted on: very likely final. Fianto's checkout page shows the customer success at this point. | Confirmed vs finalized |
| Finalized | A transaction the network will not roll back. Fianto marks an order paid and sends order.paid only at finalized. | When a Solana payment is final |
| Dropped or failed | A dropped transaction never landed, so nothing moved. A failed one landed and changed nothing but its fee: Solana's fee docs say "If the transaction fails, the fee is still charged." | Dropped vs failed Solana transactions |
| Reference | A random key Fianto attaches to each checkout's USDC transfer as a read-only account, so it can find that exact payment on chain later. | How a merchant knows a payment arrived |
What do the approval and subscription terms mean?
Approval terms describe how money can leave a wallet without a new signature each time. With Fianto, that only happens for subscriptions, inside a cap the customer approved and the program enforces. The full model is on the stablecoin subscriptions page.
| Term | What it means | Read more |
|---|---|---|
| Delegate | An address the Token program lets move tokens out of someone else's token account, up to an approved amount. A token account has one delegate at a time. | Solana token delegation explained |
| Allowance | Solana's announcement describes Allowances as letting a user "pre-authorize a one-time spend up to a defined cap, with an optional expiration." Fianto does not create allowances. | Solana Subscriptions and Allowances |
| Token approval | Any permission a wallet gives another address to move its tokens. Revoking the USDC approval behind a Fianto subscription is not a cancel: the next renewal fails and the subscription goes past due. | Seeing and revoking token approvals |
| Subscriptions program | The public Solana program, at De1egAFMkMWZSN5rYXRj9CAdheBamobVNubTsi9avR44, that holds plans and subscriptions on chain. Fianto collects every renewal through it. | Stablecoin subscriptions on Solana |
| Cap | The most a subscription can take per billing period: the price plus Fianto's fees. The program refuses any collection above it or to a wallet the plan does not name. | Can a merchant take more than I approved? |
| Pull payment | A payment the receiver collects under an earlier approval, where a push payment is one the payer sends each time. Fianto renewals are pulls; one-off payments are pushes. | How crypto recurring payments work |
| Billing period | How often a subscription charges. Fianto offers monthly, every 30 days, and yearly, every 365 days, and nothing else. | Monthly or yearly pricing |
| Past due | The status after the first counted failed renewal. Fianto tries four times in all, at the period boundary and about one hour, six hours and a day after it, then ends the subscription. | Why a USDC subscription did not renew |
What do the merchant-side payment terms mean?
Merchant terms describe the service around the transfer: how a sale starts, how your server hears about it and what happens when a customer wants money back. Most of them have a card-world twin with a different answer.
| Term | What it means | Read more |
|---|---|---|
| Payment gateway | A service that sits between a buyer and a seller to request, check and report payments. A crypto gateway may hold the money or not; Fianto does not. | What a crypto payment gateway is |
| Hosted checkout | A payment page run by the provider, so your site never builds a transaction or touches a wallet. Fianto's checkout accepts Wallet Standard wallets that can sign a transaction. | Hosted checkout vs a wallet address |
| Checkout session | One attempt to pay, with its own URL and expiry: 30 minutes by default on Fianto, and an API call can set anything from 5 minutes to 24 hours. Your API call, a shop Buy button or a payment link creates it. | Payment link or checkout API? |
| Payment link | A reusable checkout.fianto.xyz/l/ URL for one price, created in the dashboard. Each payer who presses Pay gets a fresh checkout session. | USDC payment links |
| Webhook | An HTTP request the provider sends your server when something happens. Fianto's are signed under the Standard Webhooks scheme, delivered at least once, with up to 8 delivery attempts over about 28 hours. | Verifying webhook signatures |
| Idempotency key | A unique value you send with a request so a retry cannot create a second one. Fianto requires an Idempotency-Key header on every v1 POST and keeps keys for 24 hours. | Idempotency keys and order ids |
| Settlement | The point at which the merchant has the money. With Fianto the price reaches your wallet in the transaction the customer signs; there is no payout step. | How long a USDC payment takes to settle |
| Chargeback | A card payment reversed by the customer's bank after a dispute. A finalized USDC transfer has no chargeback. | Chargebacks vs crypto refunds |
| Refund | Money sent back to a customer. Fianto has no refund API; you send USDC from your own wallet to theirs. | How to refund a USDC payment |
| Off-ramp | A service that turns crypto into bank money. Fianto has none; your USDC stays USDC until you convert it elsewhere. | Turning USDC into local currency |
| x402 | An open standard that answers an unpaid HTTP request with 402 Payment Required so the caller can pay in stablecoins and retry. Fianto does not implement it. | x402 vs API subscriptions |
See how these pieces fit in one USDC payment, from session to webhook.
Accept USDC on SolanaWhich scam terms should a merchant know?
Scam terms name the tricks that target wallets, and both of these work only if you copy or sign something without reading it.
| Term | What it means | Read more |
|---|---|---|
| Address poisoning | Sending you tiny transfers from an address that looks like one you use, hoping you later copy it from your history and pay the scammer. | Address poisoning on Solana |
| Wallet drainer | A malicious site or transaction built to make you sign away tokens or approvals. Read what the wallet says it will do before you sign. | Wallet drainers and fake payment requests |
The reference for every Fianto field, event and status is in the Fianto docs.
Sources
- Solana documentation: terminology (lamport)
- Solana documentation: transactions (size limit, blockhash validity)
- Solana documentation: fees (base fee, priority fee)
- Solana documentation: fee structure (fee charged on failure)
- Solana: reduced rent (SIMD-0437)
- Solana: Alpenglow upgrade
- Circle: USDC
- Circle: Cross-Chain Transfer Protocol
- Solana's announcement: Subscriptions & Allowances, 2 June 2026
- x402.org (402 Payment Required, pay and retry)