What your wallet needs before you subscribe in USDC.

What do you need in your wallet to start a USDC subscription?

You need one Solana wallet that meets all four of these at the moment you press Subscribe:

1. A wallet that can sign without sending. Fianto prepares the transaction, your wallet signs it, and Fianto broadcasts it.
2. A USDC account that exists and is not frozen. Fianto never creates one for you.
3. USDC for the whole first charge, because the first period is paid inside the transaction that starts the subscription.
4. A little SOL, for the network fee, the minimum balance Solana makes every wallet keep, and the rent of the accounts the subscription opens.

The checkout page checks all four before your wallet ever opens, in that order, and stops with a plain message if one is missing. Nothing is charged when it stops. What changes after that, compared with a card, is in paying a subscription with crypto.

Which wallets work for a USDC subscription?

Any Solana wallet that follows the Wallet Standard and offers the signing method called solana:signTransaction works on Fianto's checkout; there is no fixed list. The wallet sheet's catalogue names nine: Phantom, Solflare, Jupiter, MetaMask, OKX Wallet, Backpack, Trust Wallet, Bitget Wallet and SafePal. A wallet that can only sign and send in one step shows "Cannot sign here" in the sheet. If you pick one anyway, the page answers: "This wallet can only send transactions itself, and we need it to sign the subscription so that we can send it."

An exchange account is not a wallet you can subscribe from, because the exchange holds the keys and nothing on your side can sign the approval. Move the USDC and a little SOL to a wallet you control first; paying from Coinbase or Binance gives the withdrawal steps. Use the same wallet afterwards to manage the subscription: the portal at fianto.xyz/my shows only the subscriptions of the wallet you sign in with.

How much USDC do you need?

You need the first period's full charge in USDC, which is the shop's price plus any fees, because the subscribe transaction pays it on the spot. On plans created since 6 October 2026 every charge carries a flat 0.01 USDC network fee today, the first charge included. There is no Fianto fee during the beta; after it, about 0.1 to 0.5% is added on top of the price, paid by you.

The checkout shows the last three as its Charged today, Network fee and "Most Brisklow can charge" lines. The USDC must be real USDC on Solana, the token whose mint address Circle lists as EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v. A token account is the account that holds one token for one wallet; Solana's docs say a wallet "needs a token account for each token (mint) it wants to hold". If your wallet has never held USDC, receive some first: a transfer to a new wallet usually opens the account. A discount code typed at checkout lowers the charge, and the cap shown is still the full price.

How much SOL do you need to start a subscription?

A first subscription on a wallet needed about 0.0033 SOL on 15 October 2026, and a later one about 0.0021 SOL; the checkout shows the exact live amount before your wallet opens. Most of it is rent, the minimum balance Solana makes each new account hold, and Fianto reads the current rent from Solana each time you subscribe. The breakdown, using what Solana returned on 15 October 2026:

A lamport is one billionth of a SOL. Rent is set per byte of data by the network: Solana's rent-reduction page lists the per-byte rate cut in phases since 3 September 2026, with three more steps expected in November 2026, so expect these figures to fall. The checkout shows each rent line rounded up to three decimals, so the two lines can read the same today. If your wallet is short, it says so before anything is signed: "Not enough SOL for the Solana network fee, this wallet's minimum balance and the account rent. Nothing has been charged." with the amount to add. Why a USDC payment needs SOL at all is explained in why you need SOL to send USDC, and what each rent account is for in account rent and reclaim.

What does your wallet need for each renewal?

For each renewal your wallet needs only the full charge in USDC, in the same USDC account, by the due date. You sign nothing and spend no SOL: Fianto signs each renewal with its charging key, and the SOL fee for it comes out of that key. The 0.01 USDC network fee you pay with each charge today is a separate USDC amount that goes to Fianto with the charge.

• A monthly plan renews every 30 days and a yearly plan every 365 days, from the time you subscribed.
• If the USDC is short, nothing is taken. The subscription turns past due and Fianto tries again 1 hour, 6 hours and 24 hours after the period ended; why your USDC subscription didn't renew walks through it.
• Keep a little SOL anyway. Cancelling, reclaiming rent and renewing the approval in the portal are transactions you sign, each with a network fee of about 5,100 lamports.

What the checkout says when something is missing

The checkout names the missing piece in plain words. These are its messages, word for word:

Every one of these stops before your wallet is asked to sign, so nothing has moved. The What it costs page in the payer docs sets out who pays which fee in each situation.