The Fianto blog, page 11.
Notes on USDC subscriptions on Solana: how renewals are collected, what Fianto ships, and the numbers behind it.
Older posts.
USDC payment links: how to create, share and manage one
A Fianto payment link is a reusable address, checkout.fianto.xyz/l/ plus 16 random characters, that sells one price of one product in USDC on Solana. You create it in the dashboard, share it anywhere, and every payer who opens it pays on the hosted checkout: once for a one-time price, or as a subscription for a monthly or yearly one. This is the step-by-step version.
ProductDiscount codes for USDC payments: how coupons work on a crypto checkout
A Fianto coupon is a code your payer types on the hosted checkout to pay less in USDC: a percentage from 1% to 99%, or a fixed USDC amount off. On a subscription it lasts for the first charge, a set number of charges, or every charge. The discounted price must stay at least 0.01 USDC, and a discounted subscriber keeps the full-price cap on chain while Fianto collects less.
GuidesHow to sell a membership for USDC, step by step
To sell a membership for USDC with Fianto, create a product with a monthly or yearly price, sell it from a no-code shop, a payment link or your own site through the API, and open or close access from the subscription events Fianto sends. Members approve once from their Solana wallet, renew automatically, and cancel themselves at fianto.xyz/my.
SolanaSolana token delegation explained: approvals, caps and who can pull
Token delegation on Solana lets a token account's owner approve one other address, the delegate, to move up to a set amount of that token. A plain approval has no schedule and no destination, so the Solana Foundation's Subscriptions program puts its own authority in the delegate slot and checks every transfer against a cap per period, a list of allowed wallets and a list of allowed signers.
CompareChargebacks versus crypto refunds: what a merchant needs to know
No: a USDC payment on Solana cannot be reversed by the payer. There is no card issuer to file a dispute with, so there are no chargebacks. Once Solana has finalized the transfer, the money stays in the merchant's wallet unless the merchant sends it back. That makes refunds the merchant's job, and a clear refund policy the merchant's responsibility.
CompareDataUSDC vs credit card fees: a 20.00 subscription and a 120.00 sale, worked through
On a 20.00 monthly plan, a US card at Stripe's published 2.9% plus 30 cents costs the merchant 0.88 a charge, 10.56 a year. Stripe's stablecoin rate of 1.5% costs 0.30 a charge, 3.60 a year. With Fianto the merchant pays nothing, and the customer pays 0.01 USDC a charge today plus a few small SOL costs at checkout. The catch: the customer needs USDC and SOL in a Solana wallet.
ProductGuidesA no-code USDC shop: sell digital products at your-name.fianto.xyz
A Fianto shop is a storefront at your-name.fianto.xyz that you build in the dashboard without code. It sells your own products for USDC on Solana, at one-time, monthly or yearly prices, and each payment goes straight from the buyer's wallet to yours. This is what it can sell, how editing and delivery work, and what it does not do.
GuidesAccounting for USDC revenue: records, fair market value and exports
For every USDC payment, keep the date and time it arrived, the amount, its value in US dollars at that moment, the Solana transaction signature, the customer and any fees. In the US, the IRS says a business paid in digital assets includes their fair market value in US dollars, as of the date received, in gross income. Fianto's CSV exports carry most of these fields; the dollar value and your refunds you record yourself.
GuidesSolanaStablecoin subscriptions on Solana: how automatic renewals work
A stablecoin subscription on Solana is a recurring payment in a stablecoin such as USDC that the customer approves once in their wallet; after that, each renewal is collected automatically, with no card and no monthly signature. The Solana Foundation's Subscriptions program enforces the cap per period and the wallets the money may go to on chain, so a collection above what the customer approved is refused. With Fianto the merchant pays nothing, and the customer pays a flat 0.01 USDC network fee per charge today plus a little SOL as account rent.