How It Works

Pick a Real Borrower

Every launch starts with a person, not a ticker. Browse live fundraising borrowers straight from Kiva - farmers, tailors, market vendors, solar resellers - and pick who your coin works for. One coin per borrower: the first launch claims them, so every coin has its own story.

Launch With the Split Locked

Your coin launches on its own Meteora bonding curve with a 2% trading fee, split 45% to you, 45% to your borrower's loan, 10% to operations. The split is enforced by the pool config on-chain - nobody, including us, can change it after launch. If it graduates at 85 SOL raised, the fee drops to 1% and the split carries on through permanently locked liquidity.

Fees Flow From the First Trade

No graduation needed. From the very first swap, the loan's share of every trade accrues in the pool. Most Kiva loans are a few hundred dollars - a coin can fully fund its borrower while still early on its curve.

The Harvest

The public sow.fun vault claims the impact share on-chain, converts it, and pays the loan on Kiva.org. Every hop ships with a receipt: the claim transaction, the conversion, and the Kiva loan link - audit it, don't trust it.

The Harvest Ledger

Every harvest is recorded publicly: which coin generated which dollars, which borrower received them, and the transaction hashes proving each step. Per-coin attribution is snapshotted at claim time - no hand-waving.

The Cycle Continues

When a loan fills, extra fees follow one public rule:

• ·80% funds the creator's borrower queue - up to 5 borrowers, funded in order
• ·10% burns $SOW
• ·10% rewards the creator for every life their coin lifted

Repayments recycle into new loans. Sow, grow, harvest, repeat.