Polaris Pay · devnet

Credit, builtinto the payment.

Pay in full, subscribe, or split into four — against a line read from your wallet’s own record. No application, no bureau, nothing you had to tell us.

Open the app Try a checkout

Four departures, dated.

Split a $200 purchase and it becomes four draws of 50.38, seven days apart. You repay 201.53 — principal plus 1.53 pro-rated over 28 days. The merchant is paid 200.00 today and carries none of it.

NoDrawAmountStatus

1Sep 450.38Scheduled

2Sep 1150.38Scheduled

3Sep 1850.38Scheduled

4Sep 2550.38Scheduled

Total repaid201.53

Pay in fullSettles immediatelyOne transfer, one signature.

Pay in 4Every 7 days, 10% APRThe merchant is paid in full today; the four draws come later.

SubscribeCharges every periodA PDA seeded by (subscriber, plan) makes a double-subscribe impossible.

Read from the wallet, not from paperwork.

520of 300 — 850

Wallet agehow long the address has existedread

Transactions signedwhat it has actually doneread

Tokens heldwhat it carriesread

USDC on handwhat it can cover todayread

On-time instalmenta late one costs 40+12

Draw two was taken while the phone was face down.

At checkout the buyer authorises once. Each instalment is drawn later without them being online — an SPL delegate, decremented automatically on use, so the allowance cannot be spent twice.

How collection works

NoDrawAmountStatus

1Sep 450.38Collected

2Sep 1150.38Collected

3Sep 1850.38Scheduled

4Sep 2550.38Scheduled

No signature

the buyer is not prompted

No network fee

the keeper is fee payer

Lands once

replay protection is native

Paid in full, up front.

You are paid the whole amount on the day of the sale. The instalments are Polaris’s problem — and a payment PDA seeded by (merchant, order_ref) makes a retried checkout idempotent rather than a double charge.

Nothing here needs a key. A merchant’s trade is public state under their own address, so the book below is read straight from chain.

Open your book See a live checkout

Financedwritten to date0.00

Collecteddrawn from buyers so far0.00

Outstandingstill to come in0.00

Open it and it already knows you.

There is no sign-up screen because there is no account. Connect a wallet and the app underwrites it on the spot from its own record, then shows you the same four things every time: what you can spend, what you owe, where it works, and how to get test funds.

Open the app Read the docs

LimitWhat the line is today, and the four factors that set it

PlansEvery schedule you are carrying, and the next draw on each

MerchantsWho accepts Polaris, and what they accept it for

FaucetDevnet USDC, so the whole thing can be tried with nothing at stake

LineThe credit orb, arced through the 300–850 band the program enforces

PlansThe ladder — lime where the plan is paid, hairline where it is not

PayThe amount, and a card that shakes rather than a button that goes dead

ActivityEvery collection the keeper wrote, newest first

ScanThe camera decodes a payment code; the frame is never stored

The same board, in your pocket.

An Android app built against this design language rather than a phone-shaped reinterpretation of it. The instalment maths is a direct port of the program’s own math.rs, so the four draws it quotes are the four the keeper collects — not a rounded approximation that drifts by a base unit.

Build 0.1.0, devnet. It signs through Mobile Wallet Adapter and reads live program state — verified on an iMin terminal opening a real line and quoting 4 × 50.38 against a $200 checkout.

Download for Android Everything else

Credit, built into the payment.

Open the app Read the docs

devnet · CpRqbMywzAEKkEALZtrXqPYM36E5RrFewYnRtUYEEvUS