Storepay

What is Storepay? Storepay is a buy-now-pay-later platform operating in East Asia, expanding into Southeast Asia. Our real-world scale: 📊 $480M+ retail volume processed 👥 671,000+ users/wallet holders 💳 230,000+ active $SPCFIN token holders

Bi-Weekly Buyback and Burn (Oct 21 to Nov 3, 2026) Bought from market: 168,185,879 $SPCFIN (248,077,936.84 MNT) Distributed as rewards: 91,446,727.94 $SPCFIN Burned: 76,720,782 $SPCFIN

When someone asks if we ever plan to monetize late fees and consumer interest:

One detail in the $SPCFIN buyback engine that rarely gets talked about: Storepay only buys and burns tokens on installment plans paid on time or early. If a shopper misses a payment date, that purchase earns zero cashback and triggers zero open-market buyback. Rewarding late payments would subsidize bad habits. Tying rewards strictly to clean repayments turns $SPCFIN into a behavioral filter. Shoppers pay on schedule to keep their tier and collect their cut.

Most tokens have the exact same problem: the minute liquidity mining and emissions stop, volume dies. $SPCFIN works the other way around. When someone walks into a boutique in Ulaanbaatar and buys a winter coat on Storepay, the merchant pays a transaction fee in real cash. That cashflow buys $SPCFIN off the market for cashback and burns. No printed treasury tokens needed.

💳 Credit cards profit when you miss a payment or roll a balance at 24% interest. Storepay charges 0% fees and only earns when merchants complete a sale. Miss an installment, and your account is paused. We make money when retail moves, not when shoppers get trapped in debt.

The most profitable customer for a credit card company is someone who thinks they are gaming the points system. You charge $800 for the points. You pay the minimum balance because "it's manageable." You roll over at 24% APR and pay $1,100 total. You just paid $300 in interest to earn an $8 reward you funded yourself. If you want rewards, split purchases into 4 with zero fees and pocket the $300 in cash.

A reminder why building sustainable merchant volume and fee-backed token mechanics will always outlast leverage spikes.

The $SPCFIN buyback engine: - Shopper pays an installment on time. - Storepay takes a piece of the merchant fee. - 1.00% of the purchase value buys $SPCFIN off the open market. - Tokens are split between user rewards and the burn wallet. No minting. Only real utility 🛍️

One of the most practical utilities in the Storepay app: 1. Lock $SPCFIN as collateral at checkout. 2. Skip the 25% down payment and take your items home. 3. Complete your remaining installments on time. 4. Your $SPCFIN unlocks straight back to your wallet. Zero cash down at the register, zero need to liquidate your tokens.

What does moving up Storepay's loyalty tiers (Standard, Premium, Gold, Platinum) get you? 1/ Higher split-payment purchase limits 2/ Up to 0.70% $SPCFIN cashback 3/ Higher limit boosts using $SPCFIN 4/ 0% down payment options at checkout Check your tier in the app.

How $SPCFIN connects to real-world commerce: 1. Shopper splits a purchase into 4 interest-free installments. 2. Merchant gets paid 100% upfront in cash. 3. Storepay takes a processing fee from the merchant to fund $SPCFIN rewards and burns.

boo!

Tips to accumulate $SPCFIN: 1/ Split retail buys: Use Pay-in-4 for essentials and earn up to 0.70% cashback on on-time repayments. 2/ Climb loyalty tiers: Higher tiers multiply your cashback rate on every buy. 3/ Acquire on market: Trade directly via @LBank_Exchange, Coinhub, or Trade.mn.

Explore: bscscan.com/token/0x16f0d99b…

$SPCFIN tokenomics at a glance: • Blockchain: BNB Smart Chain (BEP-20) • Active token holders: ~230,000 • Historical burns: Over 531B tokens burned from initial 600B supply • Buyback peg: 1.00% of weekly eligible retail volume splits into user cashback and mirror burns

Where can you get $SPCFIN? Two ways: 1️⃣ In the real world: Earn $SPCFIN cashback on on-time installments across 8,800+ merchant stores. 2️⃣ On exchanges: Traded globally on @LBank_Exchange, Coinhub(dot)mn and Trade(dot)mn.

$SPCFIN Bi-Weekly Buyback and Burn (Oct 7 to Oct 20, 2026) Bought from market: 165,408,723 $SPCFIN (238,548,525.40 MNT) Distributed as rewards: 88,907,516.05 $SPCFIN Burned: 76,456,167 $SPCFIN

No, this one doesn't come with a split payment option

As you climb tiers, your split-payment purchase limit scales up to $4,000 at 0% interest and zero fees. Higher tiers also let you lock $SPCFIN as collateral at checkout to skip the first upfront installment payment. Consistent on-time shopping increases your limit and earns a larger share of the weekly 1.00% buyback.

Every shopper starts at the Standard tier and moves up through Premium, Gold, and Platinum by completing split-payment cycles on time and holding $SPCFIN: - Standard: 0.25% $SPCFIN cashback (0.75% burned) - Premium: 0.50% $SPCFIN cashback (0.50% burned) - Gold: 0.60% $SPCFIN cashback (0.40% burned) - Platinum: 0.70% $SPCFIN cashback (0.30% burned)