MULPAY docs

1. 1

   Get $MULPAY

   Hold at least 100,000 $MULPAY in a wallet you control, then pick a monthly plan. See the token reference for the official contract and market.

2. 2

   Connect your wallet

   Choose Connect wallet on the site and pick your wallet. MULPAY moves it to Robinhood Chain if it's on another network.

3. 3

   Sign in

   Approve the sign-in message in your wallet. It proves you own the address and costs no gas.

4. 4

   Use your workspace

   Your transfers sync from Robinhood Chain on their own. Name the addresses you recognise, and your categories and reports fill in.

MULPAY uses Hold + Subscribe. Every tier needs two things: 100,000 $MULPAY held in your eligibility wallet, and an active monthly plan. The plan you pay for decides your tier. Tokens stay in your wallet and are never spent or locked.

Tiers

Without both, you're a Visitor: you can see your main wallet's balances and its 25 latest transfers, and try the demo. Compare tiers on the membership page.

Paying for a plan

1. Open See plans from the sidebar or Settings and pick a tier.
2. Choose what to pay with. The price is in USD and converted at the live rate when you pay; the quote holds for 20 minutes.
3. Approve the transfer in your wallet. It goes from one of your verified wallets to MULPAY on Robinhood Chain, plus the usual network fee.
4. MULPAY checks the transaction on-chain and your tier updates as soon as it's confirmed.

• A plan lasts 30 days. Nothing renews by itself: pay again any time to add another 30 days. After a plan ends you keep access for a 3-day grace period.
• Changing tier takes effect at once. Days you've already paid for carry over at the price difference, so a move to a cheaper tier gives you more days and a move up gives you fewer.
• Payments are on-chain transfers and can't be reversed, so check the plan before you confirm.

How access is checked

• Your $MULPAY balance is read on-chain from your eligibility wallet. That's the wallet you sign in with unless you pick another verified wallet in Settings. Balances in other wallets don't add up.
• The app re-checks it regularly. After buying more, use Re-check balance in Settings to update straight away.
• If the balance drops below 100,000 or the plan lapses, the account goes back to Visitor. Nothing is deleted: your names, categories and notes come back when you renew. Until then you see your balances and your 25 latest transfers.
• Network fees and any routing costs are separate from membership.

MULPAY uses Sign-In with Ethereum. When you connect, your wallet shows a short message to sign. Signing proves you control the address; it isn't a transaction and costs nothing. You stay signed in on that browser until you sign out from the account menu.

Supported wallets

Any browser-extension wallet (such as MetaMask or Rabby), Coinbase Wallet, and wallet apps on your phone: open MULPAY in the app's own browser (picking MetaMask, Phantom or Trust Wallet on a phone does this for you). There's no QR-code connection. MULPAY runs on Robinhood Chain (chain ID 4663); your wallet is asked to switch or add the network when needed.

Switching accounts

Your workspace belongs to the address you signed in with, and your membership is checked against your eligibility wallet. Switching your wallet app to another wallet you've added and verified keeps you signed in, and MULPAY follows it. If you switch to an address that isn't on your account, the wallet menu offers to add it, or to sign in with it as a separate workspace.

Most people use more than one wallet. Add the others you own to see them one at a time or all together, pay from any of them, and keep moves between them out of your spending. Switching wallets starts on Plus. The limit counts your main wallet: Basic has 1, Plus 2, Pro 5 and Ultra 10.

Add and verify a wallet

1. Open the wallet menu at the top of the sidebar (or More on a phone) and choose Add a wallet. You can also do it from Settings.
2. Paste its address and give it a name only you see, such as Savings or Business.
3. Switch your wallet app to that wallet and choose Sign to verify. You sign a short message; it's free and sends nothing. Extension wallets like MetaMask open their account picker for you. On a phone, choose Reconnect and pick that account when your wallet app asks which one to connect. You stay signed in to MULPAY.
4. Its history syncs straight away. Switch your wallet app back to any account when you're done.

A wallet only counts as yours once it's verified. Until then its history isn't synced and you can't switch to it. Verify it later from the wallet menu or Settings.

If you move to a plan with fewer wallets, the ones added last are paused: they stop syncing and drop out of your views, but their history and notes are kept. They come back when you move up a plan or remove another wallet.

Switch wallets

The wallet menu lists All wallets and each wallet on its own. Home, History, Reports, Analytics and exports all follow your choice, and MULPAY remembers it on that browser. In All wallets, a move between two of your wallets shows once from each side and is always counted as internal, so totals aren't doubled.

Pay from another wallet

Pay sends from the wallet you've picked; on All wallets you choose it under From. The transfer is signed by whichever account your wallet app is on, so if that's a different one, Pay tells you and offers to switch. Removing a wallet unlinks it; its history and notes stay saved and come back if you add it again. Nothing changes on-chain.

Open Pay or choose New payment at the top of any page. Pick a saved recipient or paste an address, choose what to send and how much, then review.

Direct transfers

When both sides are on Robinhood Chain, the payment is a real on-chain transfer from your wallet:

1. Choose one of the assets your wallet holds. Its balance is shown, and Max fills in the full amount of a token.
2. Review the amount, recipient and estimated network fee.
3. Choose Confirm in wallet and approve the transfer in your wallet.
4. MULPAY follows it until it's confirmed, then it appears in your History.

Cross-network payments

You don't pick the network you pay from: it's the one your connected wallet is on. Where the money arrives is the recipient's choice, filled in from their saved preferred network. Paying from or to another network, or in a different asset, needs a swap or bridge. Payments use six coins only: USDT, USDC, USDG, ETH, SOL and BNB, each on the networks where it is issued (on Robinhood Chain that's ETH and USDG). Other tokens in your wallet, like stock tokens, are bought and sold, not paid with. On mainnet these payments are real and go through Relay, a cross-chain bridge: you get a live quote with the rate, fees in ETH, the minimum they receive and the steps, then your wallet approves each step (an allowance first when you pay with a token, then the payment). Relay's solvers pay the recipient on their network; if a payment can't be delivered, Relay refunds you on the network you sent from. MULPAY never holds the money. In History the payment shows among your transfers, as what left your wallet in the coin you sent; open it to see where it was bridged to, what the recipient got, the fees and links to both transactions.

Fees

MULPAY doesn't charge a fee on payments. You pay the network fee in ETH, so keep a little in your wallet; routed payments list every cost before you confirm, each in the coin it's paid in: gas on your network, the bridge and swap fee in the coin you send, and gas on the recipient's network (ETH, BNB or SOL).

Recipients are your private address book. Give an address a name, a category, notes, and the asset and network they prefer to receive. From then on that name replaces the address everywhere: in History, reports, search and Pay.

• A recipient's category is applied to all of their transfers, past and future, unless you change a single transfer.
• Their preferred asset and network are filled in when you pay them.
• Each recipient's page shows everything you've sent and received with them.

History lists every supported transfer in and out of your wallet, newest first, with its status (confirmed, pending or failed), value in USD and, for transfers you sent, the fee you paid. Select a fee to see what it was for. Select a transfer to see its details, change its category or add a note.

How syncing works

MULPAY reads your wallet's transfers from Robinhood Chain while the app is open, about once a minute. New activity usually shows within seconds; use Sync now on History to check immediately. The wallet you signed in with and every verified wallet are synced.

Search syntax

Press / or Ctrl K (⌘ K on Mac) from anywhere in the app. Plain words match names, addresses, hashes and notes. Add filters as key:value to narrow results; filters combine, so every one must match.

Dates accept YYYY, YYYY-MM, YYYY-MM-DD and the shortcuts today, yesterday, 7d, 30d, this-month, last-month. Amounts compare the USD value at the time of the transfer, so tokens without a price never match an amount filter.

Every transfer gets a category so reports can separate spending, income and money that just moved between your own wallets. Notes are free text for anything you want to remember, and they're searchable.

How a category is chosen

The first rule that applies wins:

1. A category you set on that transfer.
2. Internal transfers: anything between wallets you've marked as your own (see Wallets and settings).
3. Swaps: when one transaction both sends and receives tokens.
4. The recipient's category, if you've saved one.
5. Otherwise it's Uncategorized. Home and Reports show how many are left to sort.

Internal transfers and swaps are never counted as spending or income.

Default categories

Plus and Pro members can add their own categories from any category picker.

Home shows the current month at a glance: money in, money out, net flow and transfers between your wallets, each compared with the same point last month. Reports breaks any week, month or custom range down by category and by recipient, with fees and anything still uncategorized.

Basic covers the current month. Earlier periods, comparisons and PDF reports need Plus.

How values are calculated

• USD values use the token's price at the time of each transfer, not today's price.
• Tokens without a reliable price are listed separately and left out of totals.
• Pending and failed transfers are shown but not counted.
• Days and months follow the timezone in Settings.

Export

Export CSV on History downloads every transfer with its name, category, note, USD value and fee. Reports export the period's summary as CSV, or as PDF on Plus. Export is part of every plan, from Basic.

Analytics is part of Pro. For any period it charts income against expenses by day, week or month, and shows spending by asset and the network fees you've paid.

It also finds recurring payments: the same recipient paid a similar amount (within about 20%) in at least three different months, such as subscriptions or rent.

Buy and sell trades stock tokens (Tesla, Amazon, Palantir, Netflix, AMD), stablecoins (USDG, USDC) and $MULPAY from your own wallet. It's part of every plan. Without one you can still buy $MULPAY, since a plan needs it. The page shows a card for every market with its price, a 7-day chart and what you hold. Search by name or ticker, or show only what's in your wallet, then open a market to buy or sell it. Its page has a 1-day, 7-day or 30-day chart.

• Stock tokens and stablecoins trade on Uniswap v4. You pay with ETH or a stablecoin, or sell for one. MULPAY quotes every direct route and every route with one stop in between, and uses the one that gives you the most.
• $MULPAY trades on Uniswap v4 too, through its pools on Robinhood Chain. See About the token.
• Price protection. Pick how far the price may move (0.5%, 1% or 3%). If it moves further before your trade lands, nothing is traded. Trades that would move a pool's price more than 15% are stopped, since the pool is too thin for that size.

How a trade works

• Your wallet signs every step; MULPAY never holds your funds.
• Paying with a token takes one or two approvals first: Uniswap's Permit2 is allowed to use that token once, then this trade's exact amount is allowed for 30 minutes.
• Finished trades show in History as Trading & Swaps (search category:trading), and in Portfolio with their cost and profit or loss. After a trade, See in History opens that market's trades.
• Charts are read from the chain: the price left by each trade in the pool (or the $MULPAY market), hour by hour.

Portfolio Manager is part of Ultra. It's read-only: it never trades, moves or approves anything. It covers every wallet your plan tracks.

• Holdings. Live balances with today's price and value, your average entry price, cost basis and unrealized profit or loss. Open a row to see which wallet holds what.
• Value over time. Your portfolio's value for the last 30, 90 or 180 days. The change is split into what came from deposits and withdrawals and what came from market moves and trades.
• Allocation. Shares of your value by asset, wallet, type (stablecoins, the network coin, other tokens) and network.
• Trading. Swaps are paired by transaction. Selling a token is an exit with realized profit or loss; buying with a stablecoin is an entry. The win rate only counts exits whose cost is fully known. You can compare this month with last month.
• Journal and tags. Open a trade to write a note. Words starting with # in the note, like #profit, become tags you can filter by.
• Export. Export CSV downloads the holdings and trades.

How it's worked out

• Average cost per asset, across all your wallets. A receipt adds its value on the day it arrived; a disposal removes cost at the running average.
• Only swaps realize profit or loss. Payments and transfers out leave at cost, and moves between your own verified wallets don't count at all.
• When part of a balance arrived before MULPAY's history, or had no price at the time, its cost is marked unknown and left out of profit and loss rather than guessed.
• Prices are in USD from the Alchemy Prices API; past amounts use that day's price. $MULPAY is priced from its own market, and stock tokens the feed doesn't cover take today's Uniswap pool price (they aren't in the value-over-time chart). Tokens without any reliable price aren't valued.
• These are estimates for your own tracking, not tax reports or investment advice.

• Wallets. Add, verify, rename or remove the other wallets you own. See Multiple wallets.
• Timezone. Sets where days and months begin in History and reports.
• Hide unnamed tokens. Keeps tokens without a recognised name out of History and reports.
• Membership. Your tier and balance, and Re-check balance.
• Delete account. Permanently removes your names, categories, notes and settings from MULPAY. Your on-chain activity isn't affected.

$MULPAY is the membership token for MULPAY. Holding it in the wallet you sign in with unlocks a tier; it isn't needed to make or receive payments, and it's never spent by using the app.

• It launches on Robinhood Chain through Pons V2, starting on a bonding curve and moving to a Uniswap V4 pool when it graduates.
• There's no staking, yield or promised buyback.
• It doesn't represent equity or a share of revenue.

Only use the official contract and market below. MULPAY will never ask for your seed phrase or private key.

Network

Robinhood Chain

Standard

ERC-20

Total supply

1,000,000,000 (fixed at deployment)

Contract

Published at launch

Official market

Published at launch

• Non-custodial: MULPAY never holds your funds or keys, and can't move money without your approval in your wallet.
• Signing in is a message signature, never a transaction or token approval.
• Your names, categories and notes are private to your workspace and stored off-chain. Blockchain data itself is public.
• MULPAY will never ask for your seed phrase or private key. Anyone who does is not MULPAY.
• Check the address and network before every payment; a wrong address can't be undone.

Transaction PIN

Before MULPAY opens your wallet to send anything (a payment, a trade or a plan), it asks for your six-digit PIN. You create it the first time you send. Five wrong tries pause it for 15 minutes; ten lock it until you reset it. To reset a forgotten or locked PIN, sign a free message with the wallet you sign in with, in Settings › Security. Your wallet still asks you to approve every transaction: the PIN is an extra lock for when someone else is at your unlocked screen.

Signing out

Signing out ends your session on MULPAY's server, not just in your browser. Sign out everywhere in Settings ends every session on every device. Sessions otherwise last 7 days.

Read more in the privacy policy and risk disclosure.

A transfer is missing from History

• Make sure the wallet that made or received it is on your account and verified, and that the wallet menu isn't showing a different wallet. Pick All wallets to see everything.
• Choose Sync now on History. A brand-new transfer can take a few seconds to be indexed.
• Check it's on Robinhood Chain. Other networks aren't synced yet.
• If Hide unnamed tokens is on in Settings, transfers of unrecognised tokens are hidden.

Sync is paused

The sidebar shows Paused when MULPAY couldn't reach the indexing service. Hover it to see why. Your saved data is safe, and syncing resumes on its own on the next check.

Features are locked

Locked features need a plan, or a bigger one, and 100,000 $MULPAY held. Check your tier in Settings and choose Re-check balance after moving tokens into the wallet you sign in with. Only that wallet counts, not the other wallets you've added.

Wallet or network errors

• Your wallet app is on a different address than the wallet you're paying from: switch accounts in your wallet app, pick that wallet under From, or add it to your account.
• Wrong network: approve the switch to Robinhood Chain when your wallet asks.
• "You need a little ETH": payments need ETH for the network fee, even when you send another token.
• Payment cancelled: if you reject the prompt in your wallet, nothing is sent and you can try again.