The
statute.

Federal Bank is an issuance protocol on top of pump.fun. When you charter a coin through us, two signed transactions are sent back-to-back from your wallet:

1. createAndBuy issues the coin on pump.fun and runs your initial buy.
2. createFeeSharingConfig + updateFeeShares locks the fee split between the creator and the federal treasury.

The split is sealed at issuance. Pump.fun's protocol enforces it for the lifetime of the coin. There is no off-chain agreement and no party can revoke or alter it.

The treasury share is decided once at issuance. Four classes:

A higher class sends more of your fees to the treasury in exchange for greater promotional support and visibility within the federal network.

All routed fees collect in one on-chain wallet, the federal treasury. Every five minutes, a settlement bot performs the following operations:

1. Sweeps available fees from each chartered mint.
2. Snapshots all $FederalBank holders above the qualifying threshold.
3. Disburses the treasury balance pro-rata to each holder.

Disbursements are paid in SOL, directly to the holder's wallet. Nothing needs to be claimed manually.

To qualify for disbursements, a wallet must hold at least 100,000 $FederalBank at the time of the snapshot. Disbursements are weighted by balance. Twice the balance, twice the share.

Holding is the only requirement. There is no staking, locking, or registration.

Federal Bank disburses whatever fees its chartered mints generate. If activity is high, disbursements are large. If activity is low or chartered mints fail, disbursements are small or zero. There is no guaranteed yield, no buyback, no treasury backing other than fees collected.

$FederalBank is a community memecoin. It is not a security, a managed fund, or a deposit-taking institution. The name is a play on the mechanism, not a claim about regulation or affiliation with any federal authority.

Federal Bank is a frontend on top of pump.fun's existing on-chain protocol. We deploy no custom Solana program. Pump.fun's fee-sharing module handles every payment.