Token Overview
$BNPL is the governance token of BuyNow Finance — a community-first protocol with zero VC funding.
| Token Name | BuyNow Token |
| Symbol | $BNPL |
| Total Supply | 1,000,000,000 $BNPL |
| Chain | EVM-Compatible (Multi-Chain) |
| Standard | ERC-20 |
| Decimals | 18 |
| Contract | TBA — Launching Soon |
| Public Sale | None — 0% |
| VC / Investors | None — 0% |
| Partnerships | None — 0% |
| Liquidity Mining | None — 0% |
Tokenomics
Simple, transparent, community-first distribution. No hidden allocations.
Distribution
Community Airdrop
500,000,000 $BNPL
100% distributed via airdrops over 48 months based on protocol usage and referrals. No private sale.
Protocol Treasury
300,000,000 $BNPL
Managed by the team treasury wallet. Protocol fees in original token format go directly to treasury.
Development Team
200,000,000 $BNPL
1% unlocked at launch (10M tokens). Remaining 19% vests linearly over 48 months.
Key Principles
Airdrop Distribution Model
500M tokens (50% of supply) distributed over 48 months to active protocol users and referrers.
Usage-Based Airdrop
400,000,000 $BNPL
Distributed monthly over 48 months based on points earned from protocol usage (trading volume, positions held, payments made).
Referral Rewards
100,000,000 $BNPL
Distributed equally each month over 48 months to referrers based on leaderboard points at month end.
How It Works
Earn Points
Use the protocol — trade, hold positions, make payments on time, refer friends. Each action earns points.
Monthly Snapshot
At the end of each month, a snapshot is taken of all users' accumulated points for that period.
Token Allocation
Monthly token allocation (1/48th of total) is distributed proportionally based on each user's points share.
Claim Tokens
Users claim their allocated $BNPL tokens by paying the transaction gas fee themselves. Unclaimed tokens roll over.
Important Notes
- • Airdrop distribution starts on the first day of the month following contract deployment
- • Referral tokens are distributed equally each month, weighted by leaderboard points
- • Users must claim tokens themselves and pay their own gas fees
- • Distribution runs for exactly 48 months from launch
Vesting Schedule
Transparent unlock schedule over 48 months. Team tokens vest slowly to align long-term incentives.
| Category | Allocation | At Launch | Vesting | Unlock Rate |
|---|---|---|---|---|
Community Airdrop (Usage) | 40% | 0% | 48 months | Monthly based on points |
Community Airdrop (Referral) | 10% | 0% | 48 months | Monthly equal + points |
Protocol Treasury | 30% | 0% | Managed by team | Team wallet managed |
Development Team | 20% | 1% (10M) | 48 months linear | ~0.396%/month |
Cumulative Token Unlock (Millions)
Token Utility
$BNPL powers governance, rewards, and community ownership of BuyNow Finance.
Governance Voting
Stake $BNPL for 14 days to unlock voting power. Vote on protocol parameters, fee rates, and new chain deployments.
Fee Revenue
Protocol fees collected in original token format (BTC, ETH, etc.) go to the team treasury wallet for protocol development.
Airdrop Rewards
Earn $BNPL by actively using the protocol — trading, holding positions, making payments, and referring new users.
Protocol Security
Staked tokens serve as a signal of commitment to the protocol's long-term health and governance participation.
Multi-Chain Governance
As BuyNow Finance expands to Ethereum, Solana, and Arbitrum, $BNPL governance extends across all chains.
Community Ownership
50% of all tokens go directly to the community. No VCs, no private investors — pure community-driven protocol.
Governance
$BNPL holders who stake for 14 days can participate in on-chain governance.
Governance Rules
Stake for 14 Days
To participate in governance voting, you must stake your $BNPL tokens for a minimum of 14 days.
Vote on Proposals
After the 14-day staking period, your tokens unlock voting power. Each staked $BNPL equals one vote.
Proposal Submission
Any staked holder can submit governance proposals for community vote on protocol parameters.
Unstaking Period
To unstake, tokens enter a 14-day unlock period. After 14 days, tokens are freely transferable again.
Governable Parameters
Staking for Governance
Join the $BNPL Community
No VCs. No private sales. 50% of tokens go to the community. Start using BuyNow Finance to earn your share.