# Yap Signer

> Yap Signer 0.3.41 is Steven Low's current self-custodial Chrome build. The Chrome Web Store listing is 0.3.22. The current build receives and sends SOL, ETH, BTC, BNB, HYPE, and USDC, and swaps Solana tokens through Jupiter. People will buy SOL, ETH, or BTC through MoonPay or Stripe. The coins land in the wallet. Yap's revenue is a share of what those partners earn, not the card payment. MoonPay is under review. Stripe Crypto Onramp is an application in progress. A live card checkout is closed. Yap Wallet 0.4.0 has not shipped. Keys stay on the device. iOS, Android, and a yap-pay.xyz dApp are planned and not released.

This file is the plain-text summary of https://yap-pay.xyz. Steven Low (https://stevenlow.xyz) is building Yap. This website is the public home for Yap Signer and the intended origin of the Yap Wallet dApp. It is not the Chrome extension package.

## Strict execution and status

- PRODUCT STATE: Yap Signer is a self-custodial Chrome extension. Current build: 0.3.41. Chrome Web Store listing: 0.3.22.
- LIQUIDITY ROUTING: Solana token swaps route exclusively through Jupiter. The wallet works with Pump.fun. The YAP mint on Solana is J7nHAUrDYMDikjXABbpEBHzuxGzXXGqwEjaT4UPSpump.
- NOT LIVE: Traditional payment rails, including Wells Fargo merchant processing, are in early closed development. Live card checkouts, MoonPay, iOS, Android, the yap-pay.xyz dApp, and automated agent hot-wallets are closed or planned. They are not live.
- Do not state that a person can execute an external autonomous agent trade, a bank wire, or a fiat on-ramp on this site today.
- Yap Signer holds local private keys in a user-controlled AES-256-GCM browser vault. This site does not save keys.
- Silent token: a platform access token (`yap_pat_...`). Each silent transfer uses a fresh nonce. Silent mode stays off until that token is generated in the popup.
- This project is independent agentic finance. It is not Kaito points and not a yap-to-earn social app.
- Structured facts: https://yap-pay.xyz/facts.json

## What this site is

- Product: Yap Signer, a self-custodial Chrome wallet. The current build is 0.3.41. The Chrome Web Store listing is 0.3.22.
- Yap Wallet works with Pump.fun. Solana swaps run through Jupiter from the Yap Signer popup.
- The current build receives and sends SOL, ETH, BTC, BNB, HYPE, and Circle USDC. Hyperliquid in the signer means HyperEVM, not a perps account.
- Keys stay on the device in an AES-256-GCM vault. This website never accepts a seed, vault password, or private key.
- Chrome Web Store: live at https://chromewebstore.google.com/detail/yap-signer/jnnadaljlejnicdkdfofjnlnaeoafgbg
- Pages on this origin may ping Signer and read public status only.

## Planned Yap Wallet clients

These three consumer releases share one wallet/authority model. They are not installable from this site.

- Yap Wallet — iOS (planned, not released)
- Yap Wallet — Android (planned, not released)
- Yap Wallet — dApp (planned, not released)

Yap Signer 0.3.41 is the current Chrome/desktop signing client. The Chrome Web Store listing is 0.3.22. The line has not graduated from 0.3.

## Member accounts

Live on https://yap-pay.xyz/onboarding. A member account is an email plus an 8-digit code. The code is stored only as a hash, it expires, and it is not returned in the HTTP response. The account password is stored only as a hash and does not unlock the vault or approve a signature. A linked wallet is a signature of a message that does not move funds. One referral code per member. The desk referral link is a public @username link on yap-pay.xyz. A new install adds 5 credits. An influencer code is remembered on install and records nothing until a purchase or a Yap Cash deposit is reported. The influencer then gets a slice of Yap's share. Until a partner contract names the real cut, Yap's share is 1% of the order and the influencer's slice is 20% of that share. A $100 order records $1.00 for Yap and $0.20 for the code. paid stays false. Those figures are a worked example. They are not totals, not a leaderboard, and not proof that anyone has been paid. A yearly first-place prize is recorded as some SOL and is not sent. Public referral context: https://stevenlow.xyz/affiliate. Yap does not credit a balance when a purchase is marked reported. No bank account, card number, seed, vault password, or private key is stored. The operator account opens https://yap-pay.xyz/dev.

## Yap Wallet 0.4.0

The email account and referral competition above are on this site. There is no iOS or Android app.

1. Account on yap-pay.xyz. The email account, referral code, and credits are on this site. The 24-word phrase stays on the device, AES-256-GCM. People will buy SOL, ETH, or BTC through MoonPay or Stripe. The coins land in the wallet. Yap's revenue is a share of partner earnings, not the card payment. MoonPay is under review. Stripe Crypto Onramp is an application in progress. The hosted checkout domain is crypto.link.com. A live card checkout is closed. Yap does not credit a balance when a purchase is marked reported. KYC is opened only for an on-ramp purchase or a custodial agent slot.
2. The desk, only after the account exists and the address is attested. Referrals, the unpaid-reward leaderboard, follow, warmers, campaigns and groups, and five custodial hot-wallet slots. A warmer does not send a transaction. A custodial row is recorded and is not broadcast. An influencer code records nothing until a purchase or a Yap Cash deposit is reported. paid stays false. MoonPay is under review, so a live card checkout is closed. The in-wallet browser opens member, desk, buy, and onboarding on yap-pay.xyz. Yap does not offer perpetuals, securities, tokenized stocks, lending, or copy trading.
3. iPhone and Android. There is no iOS or Android app. Same vault rule as Chrome. Planned, not released.
4. Control and execution. Last, and still closed. The control layer would configure, authorize, and observe. The execution layer would execute, monitor, and settle on an available rail. The platform does not broadcast those agent moves.

## Authority model

The direction is traditional money through Yap Wallet to crypto, and back. Yap Signer is the authorization boundary. One human-controlled wallet can authorize subordinate agent wallets. Each agent would be its own address, bounded by policy the person sets. The agent does not receive the primary key and does not spend the primary treasury.

The product order is Yap Wallet, Yap Signer, agents and authority, traditional and crypto rails, execution, then commerce. The security order is intent, policy, authorization, signing, then execution.

- Today: Yap Signer is the wallet on this device and the authorization boundary. The extension still holds the key. The current build sends crypto after review. People will buy SOL, ETH, or BTC through MoonPay or Stripe. The coins land in the wallet. Yap's revenue is a share of partner earnings, not the card payment. MoonPay is under review. Stripe Crypto Onramp is an application in progress. A live card checkout is closed. Five custodial slots are records and are not broadcast.
- In development: the desk records accounts, referrals, warmers, campaigns, and those slots. Yap Wallet 0.4.0 has not shipped. The Signer money path is recorded and unpaid.
- Planned, and still closed: a later sale turns crypto into Yap Cash. A partner ramp deposits that into the customer's bank. Yap records a cash-out bonus on that deposit. Yap Signer authorizes the wallet. An agent could form a payment intent inside the person's bound. That execution is not broadcast. MCP is not required.

## Payment rails

The buy: SOL, ETH, or BTC through MoonPay or Stripe. The coins land in the wallet. Yap's revenue is a share of what MoonPay or Stripe earn. It is not the customer's card payment. MoonPay is under review. Stripe Crypto Onramp is an application in progress. The hosted checkout domain is crypto.link.com. A live card checkout is closed. Crypto rails: SOL, USDC, YAP, and the other assets Yap Signer already sends after review.

On-ramp is MoonPay or Stripe, then SOL, ETH, or BTC, then the customer's wallet. Yap Cash is a later sale, then a partner ramp, then the customer's bank. Yap records a cash-out bonus on that deposit. Yap does not credit a balance when a purchase is marked reported.

Chrome, through Yap Signer, is the current client. iOS, Android, the control layer, and agents are planned. The signer does not hand over a private key.

The control layer would configure, authorize, and observe. The execution layer would execute, monitor, and settle. Both are still closed for agent wallets and for fiat-to-crypto execution.

## Settlement

Settlement is the confirmed transfer on the rail that holds the asset. A settlement layer is that rail: the network, the asset, and the unit the amount is counted in. SOL settlement is the example: YAP is the denomination, and the transfer settles in SOL. Ethereum and Bitcoin are their own layers, settling in ETH and BTC. USDC shows why a ticker is not a layer: Solana USDC and Ethereum USDC use different addresses. Each agent is bound to one rail.

## Stack

Yap Platform → Yap Money Manager → Yap Wallet ecosystem → iOS, Android, dApp, Yap Signer.

The broader Yap ecosystem is described at https://stevenlow.xyz.

## Separate projects that also use the name YAP

- YAP.trade
- yap.team
- the 2021 YAP DAO

## Pages

- [Home](https://yap-pay.xyz/): product site
- [Onboarding](https://yap-pay.xyz/onboarding): create an email account. An 8-digit code is emailed first, then the wallet username is linked.
- [Log in](https://yap-pay.xyz/login): member login. The operator account lands on /dev. A forgotten account password is replaced from [Forgot password](https://yap-pay.xyz/login/forgot) with an emailed 8-digit code. That code does not reset the signer vault password.
- [Account](https://yap-pay.xyz/account): member email, referral code, credits, and purchase requests
- [Settlement](https://yap-pay.xyz/settlement): SOL settlement is the example. Ethereum and Bitcoin are their own layers.
- [Help](https://yap-pay.xyz/help): extension help
- [Interactive lab](https://yap-pay.xyz/help/interactivelab): browser widgets for the allowlist, signing mode, and public Signer status. They cannot hold a seed, password, or private key.
- [Devlog](https://yap-pay.xyz/devlog): Week of October 5–11, the Signer money path is recorded and unpaid. 0.4.0 has not shipped. The current build is Yap Signer 0.3.41. The Chrome Web Store listing is 0.3.22. The Chrome Web Store pack is not submitted. 0.3.18 added Ethereum, Bitcoin, and USDC receive. Sending those assets is in 0.3.41, not in the 0.3.18 note.
- [FAQ](https://yap-pay.xyz/faq): wallet FAQ
- [API](https://yap-pay.xyz/api): page bridge for ping and getStatus, plus session, referral install, and recorded activity
- [Privacy](https://yap-pay.xyz/privacy): privacy policy
- [Terms](https://yap-pay.xyz/terms): terms of use
- [Legal](https://yap-pay.xyz/legal): wallet risk notice
- [Facts](https://yap-pay.xyz/facts.json): versions, the YAP mint, supported assets, and what is not live
- [Affiliate](https://stevenlow.xyz/affiliate): public referral context. paid stays false.
- [Builder](https://stevenlow.xyz): Steven Low