Use Case

Spawned Stripe Integration Guide: Connect Your Token to Payments

This guide shows you how to connect your Solana token, launched on Spawned, to Stripe's payment infrastructure. You'll learn to accept SOL and USDC payments directly, manage automatic payouts to your treasury, and trigger token distributions. Integrating Stripe bridges the gap between your Web3 asset and traditional payment flows.

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Key Benefits

Connect your Spawned token's treasury wallet to Stripe as a payout destination.

Use Stripe's API to accept SOL and USDC payments; funds flow directly to your token treasury.

Automate token airdrops or transfers to customers after successful Stripe payments.

Manage all payouts and compliance through Stripe's dashboard, simplifying operations.

The integration uses Stripe's standard 2.9% + $0.30 fee per transaction, with funds settling in your treasury.

The Problem

Traditional solutions are complex, time-consuming, and often require technical expertise.

The Solution

Spawned provides an AI-powered platform that makes building fast, simple, and accessible to everyone.

Should You Integrate Stripe with Your Spawned Token?

Stripe turns your Spawned token from a tradable asset into a monetization engine.

Yes, if you need to accept payments from users who don't own crypto. For a token creator building a community or selling digital goods, Stripe integration solves a major hurdle: onboarding users who only have credit cards. By connecting your Spawned token's treasury wallet to Stripe, you create a direct payment rail. Customers pay in fiat (converted to SOL/USDC), and the funds arrive in your project's treasury. You can then programmatically reward them with tokens. It's the most straightforward way to monetize a token project beyond decentralized exchanges.

Consider this if your project involves memberships, NFT mints, or selling access. For example, a gaming token project could sell early access passes via Stripe, automatically sending 1000 tokens to the buyer's wallet upon payment. Learn about creating gaming tokens on Solana for more context on token utility.

How the Spawned and Stripe Integration Works

The integration creates a closed loop between a traditional payment and your Solana token. Here's the flow:

Payment Initiation: A customer on your website clicks "Buy Tokens" or "Purchase Access." You use Stripe's Elements or Payment Links to create a checkout.
Fiat to Crypto Conversion (Handled by Stripe): The customer pays with a credit card, Apple Pay, etc. Stripe converts this to SOL or USDC at the current market rate through its on-ramp partners.
Direct Treasury Deposit: The SOL or USDC is sent directly to the Solana wallet address you configured in Stripe—this should be your token's treasury wallet created during your Spawned launch.
Automated Token Distribution (Your Code): Upon a successful payment, Stripe sends a webhook to your server. Your server listens for this event and then uses Solana's blockchain RPC to trigger a transfer of your Spawned-launched tokens from the treasury to the customer's provided wallet address.

This means you never manually handle the fiat conversion. The 0.30% creator revenue from trades on your token, a core Spawned feature, continues independently on the DEX side.

Step-by-Step Setup Guide

A technical walkthrough to link your payment flow to your token's treasury.

Follow these steps to connect your Spawned project to Stripe.

Prerequisites:

A token launched on Spawned.
Your project's treasury wallet private key (securely stored).
A Stripe account in good standing.
A server (e.g., Node.js, Python) to handle webhooks.

Steps:

Get Your Treasury Address: Log into your Spawned dashboard. Navigate to your launched token's management page. Locate and copy the Treasury Wallet Address. This is the destination for all Stripe payouts.
Configure Stripe Payouts: In your Stripe Dashboard, go to Settings > Payouts. Under "Payout destinations," click "Add bank account." Instead of a bank, select "Crypto" and choose Solana (SOL) or USD Coin (USDC). Paste your Spawned treasury wallet address. Verify the address carefully.
Create a Product in Stripe: In the Stripe Dashboard, go to Products > + Add Product. Create a product for what you're selling (e.g., "1000 Project Tokens"). Note the price_id or product_id.
Build Your Checkout Page: On your website, integrate Stripe's frontend libraries. Use either Checkout for a hosted page or Elements for a custom UI. Your code should specify the Solana network and the payout wallet (your treasury).
Set Up a Webhook Endpoint: On your server, create an endpoint (e.g., /webhooks/stripe) to receive events. In the Stripe Dashboard, go to Developers > Webhooks and point it to your server's public URL. Listen for the checkout.session.completed or payment_intent.succeeded event.
Program the Token Transfer: In your webhook handler, once payment is confirmed, use the @solana/web3.js library. Sign a transaction from your treasury wallet (or a derived wallet) to send the promised amount of your Spawned token to the customer's wallet address (which you should collect during checkout).
Test Thoroughly: Use Stripe's test mode (test credit card 4242 4242 4242 4242) and Solana devnet to run complete test transactions before going live.

Fees: Stripe vs. Traditional Crypto Payments

Stripe charges a premium for automation, but it saves significant operational time.

Understanding the cost structure is crucial for pricing your offerings.

Fee Component	Stripe Crypto Acceptance	Manual Bank + Exchange	Spawned DEX Trading
Payment Processing	2.9% + $0.30 per transaction	Bank fees (0.5-3%) + wire fees (~$25)	0% (pump.fun model)
Crypto On-Ramp	Included in above fee	Exchange spread (1-2%) + withdrawal fee	Not applicable
Gas/Network Fees	Covered by Stripe's partner	You pay SOL gas to receive funds	Buyer/Seller pays (<$0.01)
Payout to You	Direct to your Spawned treasury	Manual transfer from exchange to your wallet	Continuous 0.30% fee on trades (your revenue)
Your Token Distribution Cost	You pay SOL gas for the airdrop	You pay SOL gas for the airdrop	Not applicable

Key Takeaway: Stripe's 2.9% fee is the price for complete automation, compliance, and user-friendly checkout. It eliminates the manual, multi-step process of accepting bank transfers, converting on an exchange, and managing withdrawals. For context, launching your token on Spawned costs a flat 0.1 SOL ($20) and then generates the 0.30% creator fee.

Practical Use Cases for Your Integrated Token

Here are specific ways to use the Spawned-Stripe integration to grow your project.

Token-Gated Content Sales: Sell access to exclusive articles, videos, or community forums. Payment via Stripe grants the user a specific NFT or token balance that your site checks for access.
Early Supporter Packages: Offer bundled deals (e.g., "Founder Pack: 50,000 tokens + Discord role") for a fixed price. Stripe handles the payment; your script delivers the tokens and assigns the role.
In-Game Asset Minting: For gaming tokens, sell premium in-game items or currency packs. The player buys with a card, and your game server mints the asset to their linked wallet upon payment confirmation. See how to launch a gaming token on Solana.
Subscription Memberships: Charge a monthly fee in fiat. In return, automatically airdrop a monthly allocation of your token or a renewal NFT to the subscriber's wallet every billing cycle.
Crowdfunding Pre-Sales: Use Stripe Payment Links to run a simple, compliant pre-sale for your token before it goes live on DEXs. Collect funds and promise delivery at launch date.

Troubleshooting Common Integration Issues

Quick fixes for the most frequent hurdles in the payment-to-token pipeline.

Problem: Payments fail with "invalid crypto address." Solution: Double-check the treasury wallet address in Stripe's payout settings. Ensure there are no extra spaces. The address must be a valid, funded Solana mainnet address. Test by sending a tiny amount of SOL to it from another wallet first.

Problem: Webhook events are not reaching my server. Solution: Use a service like ngrok to expose your local server during development. In Stripe, use the CLI to listen and forward events (stripe listen --forward-to localhost:3000/webhooks). Check your server logs for incoming POST requests.

Problem: Token transfer fails after successful payment. Solution: This is usually a gas or authority issue. Ensure your treasury wallet (or the wallet signing the transfer) has enough SOL for gas fees. Verify that the wallet has the authority to send the specific SPL token you launched on Spawned. Test the transfer function independently of Stripe first.

Problem: Customer paid but didn't receive tokens. Solution: First, confirm the payment is successful and completed in Stripe (not just processing). Check your webhook handler logs for the event and any error messages when it attempted the transfer. Provide the transaction signature (TXID) of the token transfer to the customer as proof of delivery.

Ready to Monetize Your Token with Stripe?

Bridge the gap between your Web3 project and mainstream payment methods today.

Your Spawned-launched token is more than a trading asset—it's a business center. Integrating Stripe unlocks a reliable revenue stream from the global market of credit card users.

Your next steps:

Launch your token on Spawned if you haven't already. The 0.1 SOL launch fee and built-in AI website builder get you started quickly.
Identify your first monetizable offering—a membership, digital good, or access pass.
Follow this guide to connect your treasury wallet to Stripe and build your automated fulfillment system.

Start small with a single product, test it thoroughly, and then expand your offerings. This integration turns every successful payment into an automated interaction with your token's ecosystem.

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Frequently Asked Questions

No, you use a standard Stripe account. The ability to add a Solana wallet as a payout destination is available within the standard Stripe dashboard under Payout settings. However, ensure your Stripe account is in a supported region and that you comply with their terms of service for cryptocurrency transactions.

Technically, yes. The Stripe integration only requires a Solana wallet to receive SOL/USDC. However, the core advantages come from Spawned's ecosystem: the dedicated treasury wallet created at launch, the ongoing 0.30% creator revenue from DEX trades, and the streamlined management dashboard. Using a token from another source would require you to manage more infrastructure separately.

When Stripe converts fiat to SOL/USDC and sends it to you, it is a taxable event (crypto acquisition) for your project. The value of the SOL/USDC at the time of receipt is ordinary income. You are then distributing your project's tokens, which may have a cost basis. Consult with a crypto-aware accountant. Stripe provides transaction reports which help with record-keeping.

Stripe typically settles crypto payouts on a rolling basis, often within minutes after a payment is successful. This is faster than traditional bank payouts, which can take 2-7 days. You can monitor pending and completed payouts in your Stripe dashboard's Balance section.

Through Stripe's standard crypto acceptance features, your options are primarily SOL and USDC on Solana. This is ideal as it matches the native chain of your Spawned token. To accept Bitcoin or Ethereum, you would need a different payment processor or a more complex multi-chain setup, which isn't covered by this direct integration guide.

No, they are separate revenue streams. The 0.30% creator fee is generated automatically whenever your token is traded on decentralized exchanges (DEXs) like Raydium. The Stripe integration handles direct purchases from you, the creator. The fees do not interact; you earn the DEX fee from secondary market trading and receive direct sales revenue via Stripe.

Stripe's conversion rate is locked in at the moment the customer's payment is authorized. The amount of SOL or USDC sent to your treasury is based on that locked rate, protecting you from market volatility during the few seconds of processing. The customer pays the fixed fiat price you set.

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