Frequently asked questions

Sprout lets you send USDC to any Solana wallet and pay for it over time. The person you send to gets the full amount right away. You pay it back in a day, or weekly or monthly over up to 12 months, for one flat 5% fee.

When you confirm a send, Sprout pays your recipient the full amount from its own liquidity, in a single onchain transfer. From that moment, you owe Sprout the schedule you picked: the amount plus the 5% fee, split into equal payments. Send $100 over 10 months and you pay $10.50 a month, 10 times.

Because they need it now and you'd rather not pay it all at once. A deposit, a share of the rent, a gift, an invoice. They're paid in full today, and you pay it back on a schedule that suits you, from tomorrow to 12 months out, at a price you know before you confirm.

In effect, yes: Sprout fronts the money and you repay it in installments. What's different is the price. There's no interest and no rate that grows with time, only a flat 5% fee on the amount you send, fixed the moment you confirm.

A flat 5% of the amount you send. Send $100 and the fee is $5.00, so you pay back $105.00 in total. That's the whole price.

No. The fee is 5% whether you pay it back in 1 day or 12 months. Send $500 over 1 day and the fee is $25.00; over 12 months, it's the same $25.00. A longer plan only means smaller payments.

None. Nothing compounds and nothing accrues over time. The 5% fee is calculated once, on the amount you send, and locked when you confirm. It can't go up after that.

Network fees are separate from Sprout's fee, and they go to the network, not to Sprout. On Solana they're paid in SOL, and a transfer costs a fraction of a cent. Before you confirm, you'll see an estimate on its own line, so the 5% is never blended with anything else.

A 1 day plan is one payment, due the next day. Plans of 1 week to 3 weeks are paid weekly; plans of 1 month to 12 months are paid every 30 days. Your first payment is due one period after you send, and the rest follow at the same interval. If the total doesn't divide evenly, the last payment absorbs the few cents of difference.

You approve Sprout's program once, as a delegate on your USDC token account, capped at exactly what your plan still owes. On each due date it collects that one payment from your wallet: never early, never more. You can revoke it any time, from the plan in Sprout or from your wallet, and pay manually instead.

Yes, any time, in part or in full, with no penalty. There's no discount for paying early either: the fee was fixed when you confirmed, so clearing a plan early simply means you're done sooner.

You have a 3-day grace period to make it up. There are no late fees. Until you're caught up, new sends are paused; your recipient's money is never affected.

No. They need a wallet address, and that's all. No app, no account, no sign-up. To them, it's a normal transfer.

The full amount, all at once. Send $100 and $100 arrives in a single transfer when you confirm. Your fee and your schedule stay on your side; nothing is deducted from what they get.

No. Once it lands, it's theirs to keep. Sprout never claws back a transfer, even if a payment on your side runs late. Your plan is between you and Sprout.

Transfers are final once they're sent, like any onchain transfer, and Sprout can't reverse them; your plan still stands. Sprout shows the full address before you confirm. Check it, and if you're unsure, try a $10 send first.

USDC on Solana, and you repay in USDC too. Sprout works with Phantom, Solflare and Backpack, and network fees are paid in SOL.

No. You connect your own wallet and keep your own keys. Payments leave it on their due dates through the approval you give Sprout's program, and it can't move more than that approval allows.

Revoke autopay's approval, from the plan in Sprout or from your wallet. It takes effect as soon as the transaction confirms. Your schedule doesn't change; you'll just make each payment yourself.

Yes. The transfer to your recipient and every payment you make are ordinary Solana transactions. Each one links to a block explorer from your plan, so you never have to take our word for it.

Anywhere from $10 to $10,000 per send, within your limit. New accounts start with a limit of $1,000: the most you can have outstanding across all your plans at once.

Pay on time. Your limit grows as you complete payments, so the more plans you finish, the more you can send. A missed payment pauses new sends until you're caught up.

Up to 5 at a time, as long as their combined balance stays within your limit. When a plan is paid off, its slot opens up again.

Sprout is in early access. Plans, limits and supported assets depend on eligibility and may vary by region. The app shows you what's available before you send anything.