Live on Solana · Run by holders, not promises

Universal Meme Income

The bank that pays you in whatever coin you vote for

Simple version: trading fees go into the vault, the vault buys the coin the community picked, and it lands in holder wallets automatically. No claiming, no forms, no wallet connect, nobody holds your keys. Every hour you vote for the next reward coin — so the bank never goes stale and never runs out of narrative.

Vote now on the next reward1 vote per person · every 1 hourno wallet connect ever
100% on-chain payoutsNon-custodialEvery tx publicRuns on a timer
Contract:
Live treasury · nothing hidden

Watch the money move in real time

Cycle timer, qualified holders, boost levels and every single on-chain payout — open to anyone, no login.

GO TO DASHBOARD
Don't trust us — check the receipts
Current reward token
Not set yet

Winner of the next round takes the slot.

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Set by the next vote
Governance · every hour

Vote on the next reward token.

Nominate any tradable pump.fun coin or back one already on the ballot. One vote per person per round — the winner becomes the reward token the bank buys and distributes next.

Round closes in
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0 votes cast this round · 0 tokens on the ballot
Nominate a pump.fun coin

We verify the token is a real, tradable pump.fun market before it hits the ballot.

Ballot

Pick one
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Community picks

Memes voted by the community

Meme communities change, hype changes, $UMI fixes the issue rewarding holders with the most powerful community.

Meme characters racing go-karts on a rainbow through space
Firework portraits of meme mascots lighting up the night sky
A capsule opening above Earth releasing a crowd of meme characters
Why people trust it

Safety first, memes second

The jokes are loud, the mechanics are not. Here's exactly what the bank can and can't do.

No wallet connect

You never connect, sign or approve anything. Rewards just show up.

Public receipts

Every payout has a transaction signature you can open in a block explorer.

Holders decide

The reward coin is voted in every hour — one vote per person.

Automated cycles

Claim, buy and distribute run on a timer, not on somebody's mood.

The thesis

Volume in. Yield out.

Most coins leak money out of the community. Universal Meme Income loops it back in — automatically, publicly, every single cycle.

A vault, not a promise

Fees from real trading volume get claimed on a timer and sent straight back out to holders. Nobody has to press a button — the bank just runs.

Your keys stay yours

Rewards are pushed to your wallet on-chain. No connecting, no signing, no approvals, no deposits. We literally cannot touch your bag.

Diamond hands get paid more

Hold clean and your share grows every 10 minutes. Sell and it resets. Simple, fair, and visible to everyone on the dashboard.

Holder boosts

Time is the multiplier

Every 10 clean minutes adds +10% to your reward weight, stacking to +900%. Payouts stay proportional to balance — the boost simply scales your share against the rest of the book. Sell any amount and it resets to zero.

10 min
+10%
First boost unlocks
30 min
+30%
Compounding weight
1 hour
+60%
Conviction tier
3 hours
+180%
Maximum standing

Live boost levels are shown in the qualified holders ledger on the dashboard.

Mechanics

How a cycle works

Four steps, on repeat, all of it verifiable on-chain. No black box, no manual payouts.

01
Hold the minimum

Keep at least the minimum stake of $MEME. The scanner indexes your wallet automatically — no signup, no registration.

02
The vault claims

Each cycle the treasury claims accrued creator fees in SOL directly from the chain.

03
Market buy-back

A fixed percentage of claimed SOL is routed through Jupiter and bought back into $MEME.

04
On-chain settlement

Tokens are transferred to qualified wallets, weighted by balance × holder boost, in a single batch.

Questions

Everything else

Do I need to claim rewards?

No. Payouts are pushed to your wallet on-chain each cycle. The bank never holds your keys or your tokens.

What resets my boost?

Selling any amount of $MEME. Your weight returns to baseline and begins stacking again after 10 clean minutes.

How often does the bank run?

On a fixed cycle timer. The live countdown to the next settlement is at the top of the dashboard.

Where does the yield come from?

Creator fees generated by genuine trading volume, claimed by the treasury wallet and recycled into holders.

Join the desk

Cycle receipts and payout data post to X first.

Follow the bank for settlement announcements, treasury updates and holder stats in real time.

FOLLOW @memeincome_xyz