[!IMPORTANT]

🚀 This project has moved!

Active development continues at cascade-protocol/splits

This repository is kept for historical reference. Please visit the new repo for the latest code, SDK, and documentation.

cascadepay

One payment in. Multiple recipients out. Automatically.

A non-custodial payment splitter for Solana that distributes incoming payments to multiple recipients based on pre-configured percentages.

graph LR
    A[100 USDC<br/>Payment] --> B[CascadePay<br/>Vault]
    B --> C[Platform<br/>9 USDC]
    B --> D[Merchant<br/>90 USDC]
    B --> E[Protocol<br/>1 USDC]

🚀 Live on Mainnet

Program ID: Bi1y2G3hteJwbeQk7QAW9Uk7Qq2h9bPbDYhPCKSuE2W2

Protocol Fee Wallet: 2zMEvEkyQKTRjiGkwYPXjPsJUp8eR1rVjoYQ7PzVVZnP

Network: Solana Mainnet-Beta Framework: Anchor 0.32.1

Features

• Non-custodial - Funds controlled by program, not individuals
• 2-20 recipients - Split payments between multiple parties
• Token-2022 ready - Supports all SPL tokens and extensions
• Permissionless execution - Anyone can trigger distribution
• Graceful failures - Funds held for claiming if recipient ATA missing
• 1% protocol fee - Sustainable, transparent pricing

Quick Start

Installation

npm install @cascadepay/sdk @coral-xyz/anchor

Basic Usage

import { createCascadepayClient } from "@cascadepay/sdk";
import * as anchor from "@coral-xyz/anchor";

// Initialize client
const connection = new anchor.web3.Connection("https://api.mainnet-beta.solana.com");
const wallet = new anchor.Wallet(yourKeypair);
const idl = require("@cascadepay/sdk/idl/cascadepay.json");

const sdk = await createCascadepayClient(connection, wallet, idl);

// Create split configuration (recipients must total 99%)
const recipients = [
  { address: platformWallet, percentageBps: 900 },   // 9%
  { address: merchantWallet, percentageBps: 9000 },  // 90%
];

const configPDA = await sdk.createSplitConfig({
  mint: USDC_MINT,
  recipients,
});

// Get vault address
const config = await sdk.getSplitConfig(configPDA);
console.log("Share this payment address:", config.vault.toString());

// Execute distribution (permissionless)
await sdk.executeSplit(configPDA);

For x402 Facilitators

Atomic transaction bundling for seamless UX:

import { detectSplitVault } from "@cascadepay/sdk";

// Detect if destination is a CascadePay vault
const result = await detectSplitVault(
  paymentDestination,
  connection,
  new anchor.web3.PublicKey("Bi1y2G3hteJwbeQk7QAW9Uk7Qq2h9bPbDYhPCKSuE2W2")
);

if (result.isSplitVault) {
  // Bundle payment + distribution atomically
  const transferIx = createTransferInstruction(
    userTokenAccount,
    result.splitConfig.vault,
    user.publicKey,
    amount
  );

  const splitIx = await sdk.buildExecuteSplitInstruction(result.splitConfig);

  const tx = new anchor.web3.Transaction()
    .add(transferIx)
    .add(splitIx);

  await sendAndConfirm(tx);
}

Architecture

Instructions

Account Structure

SplitConfig PDA:

• Seeds: ["split_config", authority, mint]
• Contains: Recipients, percentages, vault address, unclaimed amounts

Vault:

• Associated Token Account owned by SplitConfig PDA
• Drained to zero on each execute_split()

Development

Prerequisites

# Install Rust & Solana
curl --proto '=https' --tlsv1.2 -sSf https://sh.rustup.rs | sh
sh -c "$(curl -sSfL https://release.solana.com/stable/install)"

# Install Anchor
cargo install --git https://github.com/coral-xyz/anchor avm --locked --force
avm install 0.32.1
avm use 0.32.1

Build & Test

git clone https://github.com/tenequm/cascadepay
cd cascadepay
pnpm install
anchor build
anchor test

Resources

• 📖 Full Specification
• 📦 SDK Documentation
• 📦 NPM Package
• 🔗 Solscan
• 🌐 cascadepay.io
• 🐦 @cascadepay

Security

⚠️ This program is unaudited. Use at your own risk.

Security features:

• Non-custodial design
• Immutable protocol fee (hardcoded 1%)
• Anchor constraint validation
• Graceful degradation for failures

License

MIT

Built For

x402 Solana Hackathon - Payment infrastructure for the next generation of Solana applications.