One bagel shop. One very loyal block.
- Monday
You launch $ROSIE
You love Rosie's Bagels on the corner, so you launch a community token for it on the PunchCard Launchpad. Name, ticker, a photo of the everything bagel. Done.
- Tuesday
The block piles in
Customers share it in the group chat. People buy $ROSIE on pump.fun to show they're part of the Rosie's crowd.
- All week
Every trade chips in
Each trade pays a creator fee, and those fees are set aside for Rosie's Bagels.
- Friday
Rosie claims it
Rosie verifies the shop is hers and receives the creator fees. New oven, bonus for the morning crew, free bagel Friday. Her call.
Rosie's Bagels and $ROSIE are made up, to show how it works.
From idea to fan club in five steps.
Pick a business
Your own, or the café, bar, shop or food truck you can't stop telling people about.
Launch its token
Create it on the PunchCard Launchpad: name, ticker, picture, and the business it's for. It goes live on pump.fun.
People trade it
It trades on pump.fun like any other token, so anyone with a Solana wallet can join in.
Fees are set aside
Every trade pays a creator fee. PunchCard sets those fees aside for the business the token was made for.
The owner claims
The owner verifies the business is theirs, receives the business's 90% of what was set aside, and future fees go straight to them.
Follow the creator fees.
The creator fee is split: 90% for the business and a 10% PunchCard service fee, fixed for each token when it launches. The service fee is how we keep launching at just 0.02 SOL. pump.fun charges its own trading fees, which are separate. The owner verifies by adding a code to the website on the business's Google listing, then picks the wallet the fees go to.
Everybody on the block gets something.
For the business
- Money from its fans, with nothing to set up or pay
- A new way to get discovered
- A community that shows up, online and in person
For the fans
- Put your name behind a place you love
- A rallying point for its customers and fans
- Something fun to share, post and talk about
For the neighborhood
- Trading activity that sends creator fees to local businesses
- Local spots get the spotlight
- More reasons to keep your favorite places open
Fair for owners. Fair for fans.
The owner's 30 days
- Fees are held for the business from the moment of launch
- Claim within 30 days and the owner gets the business's 90% of everything held, plus of all future fees
- Owners can choose, once, to share 5–25% of their part with the token's holders
- Every claim has a 24-hour check, so a fake claim can be stopped
If nobody claims
- After 30 days, the token's holders share the business's 90% of everything held, then of new fees every week
- Shares follow how much you held and for how long, so steady holders earn the most and last-minute buying doesn't pay
- A late owner still gets every fee from the day they claim; holders keep what they were paid
Fair launch, every time
- The launcher's first buy is capped at 0.5 SOL
- The launcher gets zero fees and is left out of holder rewards
- One token per business, and every launch is checked by PunchCard
How holding is counted: we check every holder's balance several times a day, at random times nobody knows in advance, from the day the token launches. Holding 10,000 tokens for 20 days counts the same as 20,000 for 10 days. The launcher's wallet, buyers in the first minutes after launch, and pools don't count. Wallets linked to the launcher are reviewed, and only excluded on clear evidence, published first; receiving an unsolicited transfer never disqualifies anyone. No single wallet counts for more than 2% of the supply. Every round's balances, math and any proposed exclusions are published, with a 24-hour check, and a way to ask for a correction, before anyone can claim.
Good questions.
Do I need the business's permission to launch a token?
No. Anyone can launch a community token for a business they love. A token isn't an endorsement: it doesn't mean the business made it or approves of it. The owner can still claim its creator fees.
Is this the same as PunchCard Loyalty Rewards?
No. Loyalty Rewards are reward tokens that businesses in the curated PunchCard Network give their customers, on Base. Community tokens are launched by anyone and trade on pump.fun, on Solana. Holding one gives you nothing in the other.
Do all the fees go to the business?
90% of the creator fees go to the business under the published claim rules: claim within 30 days to get that share of everything held plus all future fees; if nobody claims, the token's holders share it until an owner does. The other 10% is PunchCard's service fee, fixed for each token when it launches. pump.fun charges its own trading fees, which are separate.
How does PunchCard make money?
Mostly through a 10% service fee on each token's creator fees, fixed when the token launches. We chose that over a big launch fee so anyone can launch a token for their favorite spot for just 0.02 SOL: PunchCard earns when a token keeps trading, the same way the business does, and never needs to hold business tokens it could sell. The 0.02 SOL launch fee is charged only if the launch succeeds; network transaction fees may still apply. The contract caps the fees at 0.05 SOL and 10%; raising a cap would take an upgrade of the contract, which PunchCard's upgrade key controls (it moves to a multisig before real launches). Businesses never pay anything up front.
Will fees be used to buy back PUNCH?
They might. PunchCard may use part of its fee income to buy back and burn PUNCH, the PunchCard token, at its own discretion. That is not a promise: there's no schedule and no set amount, and nobody should expect it or buy PUNCH because of it. Any buyback will be posted on the PUNCH page with its transaction.
What does it cost to launch?
The 0.02 SOL PunchCard launch fee, network and account-creation costs (about 0.015 SOL), and any first buy you choose. The launch page shows the itemized total before you sign. The business never pays anything.
What if the business never claims its fees?
After 30 days, the token's holders share the business's 90% of its creator fees until an owner claims: first everything held so far, then new fees every week. Each share follows how much a wallet held and for how long. If the owner claims later, they get the business share of all fees from that day on, and holders keep what they were given.
Can an owner share with their fans?
Yes. When claiming, an owner can choose to give 5, 10, 15, 20 or 25% of their part to the token's holders. The choice is permanent and shown on the token page. It applies to future fees unless the owner also opts in to share the fees already held.
Can I game the holder rewards?
We've worked to make it hard. Buying right before a payout earns almost nothing, because shares follow time held. Balances are checked at random times, so you can't hold only when we look. The launcher's wallet and buys in the first minutes don't count. Splitting tokens across wallets doesn't raise your share, but we can't always tell when separate wallets belong to one person, so the 2% cap applies per wallet. We never exclude anyone on a guess: any proposed exclusion is published with its evidence, and you can ask for a correction during the 24-hour check.
Can a community token lose value?
Yes. Community tokens are tradable, and their price can go down as well as up. Only take part with money you're comfortable losing.
When can I launch one?
Launches are opening in stages. The first community tokens are launched by the PunchCard team for businesses we know, then launching opens to everyone. Follow @punchcard_club to hear first.
Watch the first launches.
See the first community tokens, follow their fees as they build up, and watch owners claim them.