DAO Proposal: XJup — The Next-Gen Web3 Payment and Rewards
Hello, Jupiter Team, and DAO Members,
Below I share my project, for enhancing the integration of crypto payments in the real world and boosting the adoption of JUP within daily life.
XJup is a mobile app and physical/virtual card designed to make direct cryptocurrency payments (JUP, SOL, USDC) seamless in both physical and online stores.
It features automatic swaps via the Jupiter Aggregator and integration with Visa/Mastercard, allowing users to pay with crypto as easily as with fiat.
Beyond payments, XJup combines cashback, gamification, NFTs, and AI-driven financial management to deliver a complete and engaging user experience, all with a strong focus on security, compliance, and mainstream usability.
XJup’s mission is to bridge the gap between Web3 and everyday life, making crypto accessible to everyone and driving global adoption through innovation and simplicity.
This project forms part of a broader strategic initiative to strengthen the Jupiter ecosystem’s infrastructure and adoption channels, ensuring long-term sustainability and value creation. It is directly connected to the Validator Network and Yield Strategy project detailed in the attached proposal.
Project Objectives
-
Make crypto payments simple, fast, and secure, offering users an intuitive experience with smooth interfaces and frictionless processes, removing technical barriers and ensuring that anyone — even without technical knowledge, can use crypto for everyday purchases.
-
Offer automatic swap at the point of sale, ensuring the instant conversion of tokens to stablecoins at the best available rates, optimized by Jupiter Aggregator, enabling fast payments without financial loss to the user.
-
Integrate Visa/Mastercard, NFC, Apple/Google Pay, allowing the crypto card to work like any traditional card, including contactless payments, digital wallets, and global compatibility, ensuring broad acceptance across thousands of JupiPoints of sale.
-
Create incentives with points (JupiPoints), cashback, and NFTs, including loyalty programs with tiers, weekly challenges, exclusive rewards, and point staking, to maximize engagement, customer retention, and community participation. These gamification elements will be rolled out progressively, with careful user feedback collection and ongoing market research to ensure alignment with mainstream user expectations and avoid overwhelming non-crypto-savvy audiences.
- In the future, potentially expand globally and multichain, extending coverage to multiple blockchains (ETH, AVAX, BNB), possibly using bridges like Wormhole and deBridge, and adapting to international markets with local stablecoins (EURC, cREAL, MXN-backed), enabling sustainable scalability and worldwide adoption.
Additional Strategic Focus
-
Target audiences: crypto-savvy users, mainstream consumers, and merchants, creating a solution that bridges Web3 with real-world needs.
-
Regulatory and compliance approach: The project will adopt a proactive approach to international regulatory compliance, implementing localized KYC/AML programs and partnering with local legal firms. Rather than targeting complex licensing regimes in the U.S., EU, or LATAM initially, XJup will prioritize launching in crypto-friendly jurisdictions and working with established partners that already hold the required licenses for card issuing and payment processing. This phased approach will allow the project to validate its model, adapt to market demands, and gradually expand into more regulated regions as operational capacity and legal resources grow.
-
Strategic partnerships: build collaborations with exchanges, liquidity providers, merchant networks, and fintech platforms to accelerate market reach.
-
As part of the growth plan, key strategic partnerships have already been identified to maximize adoption and accelerate market entry. Priority targets include fintechs such as Stripe and Marqeta (for card issuance), as well as merchant networks like Shopify and Web3 marketplaces. The team will also pursue integrations with liquidity providers and cross-chain bridges, including Wormhole and deBridge, to ensure seamless multichain operations. These alliances will strengthen the XJup ecosystem and rapidly expand product reach, leveraging the project’s own liquidity pools without reliance on external exchanges.
-
Long-term vision: position XJup as a leading global Web3 payment solution and a driver of crypto adoption in everyday life.
Detailed Features
-
Native Solana wallet (SPL tokens): allows users to store, send, and receive JUP, SOL, USDC, and other Solana tokens directly in the app, with intuitive balance display, on-chain transaction history, and multi-address support.
-
Physical/virtual card with Visa/Mastercard integration, issued by partners like Stripe or Marqeta, with options for NFC payments, Apple Pay, and Google Pay, plus instant lock/unlock, adjustable limits, and dynamic balance source selection (crypto or fiat).
The specific top-up methods for the card, including crypto deposits, stablecoin loading, and fiat on-ramps, will be defined during the development phase. This approach ensures regulatory compliance, user convenience, and seamless integration with partner systems. -
Optimized swaps via Jupiter Aggregator, automatically identifying the best liquidity routes, calculating real-time slippage, and ensuring efficient token conversion at checkout, including fee and outcome previews for the user.
-
Points system: tiers, challenges, NFTs, with user levels (Bronze, Silver, Gold), progressive cashback, weekly challenges like ‘spend €10 in crypto,’ collectible NFTs with practical benefits (discounts, boosts), and point staking for extra rewards.
To ensure high user retention and minimize churn after the initial adoption phase, XJup will implement strategies such as personalized rewards, re-engagement campaigns, progressive challenges with increasing benefits, and continuous improvements to the loyalty program. Periodic user satisfaction surveys and iterative app enhancements will also help maintain high levels of engagement. -
AI-powered subscription and budgeting management, featuring automatic expense categorization (streaming, food, transport), personalized budget limit alerts, financial performance reports, and integration for automatic cancellation of unwanted services.
-
Robust security: MPC, KYC/AML, Panic Mode, including multi-party computation wallets to reduce theft risk, integrated identity verification via Sumsub/Onfido, AI-driven behavioral analysis for fraud detection, and a ‘Panic Mode’ activated by gesture or keyword for immediate account lock.
Additional Suggested Features
-
Merchant tools: POS integration, merchant rewards, and flexible settlement options in crypto or fiat to boost merchant adoption.
-
Community features: in-app governance, user voting on platform updates, and referral programs to strengthen community engagement.
-
User analytics dashboard: advanced insights into spending habits, portfolio performance, and real-time token price tracking to empower users with better financial decisions.
Project Timeline by Phase (with KPIs, Team Growth & Risk Focus)
Phase -1 (Before Month 1): Preparation & Team Setup
→ Founders, Leadership, Recruitment, Legal, Finance
- Define project vision, secure initial funding, assemble core team (developers, designers, product, marketing, compliance, business development)
- Set up legal and financial structures, establish partner and investor relationships, draft technical and product specs
- KPI: Core team hired; company setup completed
- Risk focus: Talent acquisition delays, legal bottlenecks → mitigated with early advisor involvement
In addition to the planned hires for backend, frontend, marketing, and compliance, the project will include critical strategic roles to ensure operational success and security. This includes a Chief Information Security Officer (CISO) to lead cybersecurity strategies, protect digital assets, and ensure compliance with global standards, as well as a Chief Product Officer (CPO) to align the app’s features with user needs and company growth objectives. These positions are essential to guarantee technical robustness and strategic alignment across all project phases.
Phase 0 (Month 1): Setup
→ DevOps, UI/UX, Compliance
- Set up technical infrastructure, create wireframes/prototypes, map regulatory/KYC/AML requirements
- KPI: Infrastructure live, compliance strategy approved
- Team growth: Add DevOps, UI/UX, compliance specialists
- Risk focus: Regulatory misalignment → mitigated by early legal/compliance partner input
Phase 1 (Months 2–4): MVP
→ Backend, React Native, DevOps, UI/UX, Product, Compliance, Marketing, Business Development
- Develop core features, integrate Jupiter swap, finalize design, run initial testing, define marketing strategy, begin commercial partnership talks, define card top-up methods, including crypto deposits, stablecoin loading, and fiat on-ramps, ensuring smooth integration with partners
- KPI: MVP feature completion, 2–3 commercial partnerships signed
- Team growth: Expand backend, mobile, and marketing teams
- Risk focus: Technical delays, integration risks → mitigated by agile sprints and test milestones
XJup’s architecture will be developed with a focus on scalability and high availability, utilizing microservices, scalable cloud services (AWS, Azure), content delivery networks (CDNs), and redundant backups. This approach will enable the system to handle exponential user and transaction growth without compromising performance or security, ensuring a seamless experience even during peak demand.
Phase 2 (Months 5–8): Expansion
→ Backend, React Native, Product, Marketing, Business Development, Project Director
- Launch gamification, JupiPoints, cashback, NFT features, expand marketplace, intensify marketing and user acquisition. The launch of these features will follow validation of core payments adoption, ensuring that added gamification does not compromise product focus or user experience.
- KPI: +10,000 early users, first NFT campaign live, marketplace growth
- Team growth: Add marketing, biz dev, community managers
- Risk focus: User growth lag → mitigated by marketing partnerships, growth hacking
Phase 3 (Months 9–12): Beta / EU Launch
→ Backend, React Native, Product, Marketing, Business Development, Project Director
- Launch beta, collect user feedback, adjust product, prepare EU market entry with legal/international compliance
- KPI: 50,000 users, EU legal clearance, +5 new commercial partners
- Team growth: Strengthen compliance, support, and product teams
- Risk focus: Regulatory barriers in EU → mitigated by hiring EU legal experts early
Phase 4 (Months 13–24): Multichain
→ Product, Marketing, Business Development, Project Director
- Implement multichain (ETH, AVAX, BNB), expand globally, secure strategic partnerships, grow the user base, and promote Web3 e-commerce and DAO adoption. The KPI targets are 200,000+ users, multichain functionality live, and more than 10 strategic partnerships. User acquisition targets will be reviewed periodically, with an initial focus on crypto-native audiences such as Solana enthusiasts and DeFi users. This phased strategy is designed to build a strong early base and allow for marketing and product optimization before expanding to broader mainstream markets.
- KPI: 200,000+ users, multichain live, 10+ partnerships
- Team growth: Expand tech, marketing, partnerships, and support teams
- Risk focus: Scaling challenges → mitigated by modular architecture, dedicated ops team
Team Costs and Roles
| Role | Phase | Months | Base €/month | Total € | Role Description |
|---|---|---|---|---|---|
| Backend Developer | Development | 12 | €6,750 | €81,000 | Develops and maintains the app backend, integrates APIs (Jupiter, Stripe, Sumsub), manages database, transactions, and security. |
| React Native Developer | Development | 12 | €6,075 | €72,900 | Builds the cross-platform mobile app (iOS/Android) with React Native, ensuring performance, UX, and smooth Web3 integration. |
| DevOps Engineer (1) | Initial | 1 | €4,050 | €4,050 | Sets up initial infrastructure, CI/CD pipelines, monitoring, development and deployment environments. |
| DevOps Engineer (2) | Development | 2 | €4,050 | €8,100 | Continues automation, scalability, and production infrastructure maintenance. |
| UI/UX Designer (1) | Initial | 1 | €4,725 | €4,725 | Designs initial wireframes and prototypes, ensuring an intuitive, modern interface aligned with the Web3 concept. |
| UI/UX Designer (2) | Development | 2 | €4,725 | €9,450 | Refines interfaces based on test feedback, creates animations and advanced app components. |
| Product Manager (1) | Development | 12 | €5,400 | €64,800 | Coordinates product roadmap, prioritizes features, organizes sprints, connects technical team and stakeholders. |
| Product Manager (2) | Monitoring | 11 | €5,400 | €59,400 | Monitors metrics, drives continuous improvement, supervises feature expansion. |
| Compliance Advisor (1) | Initial | 1 | €6,750 | €6,750 | Defines KYC/AML structure, identifies legal requirements, supports integration with regulatory partners. |
| Compliance Advisor (2) | Development | 2 | €6,750 | €13,500 | Ensures continuous compliance, tracks regulatory updates, prepares audits. |
| Web3 Marketer (1) | Development | 12 | €4,050 | €48,600 | Launches Web3 campaigns, manages community, social media, content marketing, and influencer/DAO partnerships. |
| Web3 Marketer (2) | Monitoring | 11 | €4,050 | €44,550 | Maintains engagement, creates retention strategies, oversees international marketing. |
| Business Developer (1) | Development | 12 | €4,050 | €48,600 | Closes strategic partnerships, integrates e-commerce, negotiates user discounts and promotions. |
| Business Developer (2) | Monitoring | 11 | €4,050 | €44,550 | Expands partner network, explores new markets and segments, investigates B2B opportunities. |
| Project Director | Development | 24 | €6,750 | €162,000 | Oversees the entire project, ensures on-time delivery, coordinates teams, manages budget, and reports to stakeholders and investors. |
Total Team Project Cost: €672,975
Project Funding Clarification
The total project cost of €672,975 primarily covers the core team, including development, product, marketing, compliance, and business development over the 24-month roadmap.
The full investment request of €1.17M includes these core costs plus additional expenses — such as infrastructure (cloud services, servers, testing hardware), the infrastructure team (sysadmin/cloud engineers, technical support), marketing initiatives, legal and regulatory requirements, scaling reserves, and external security audits (€40,000–€60,000).
While this funding structure provides a strong initial foundation, the XJup team acknowledges that additional capital may be required as the project scales, particularly in areas such as infrastructure, security audits, customer support, and regulatory adaptation. A continuous fundraising and risk assessment strategy will be implemented to ensure financial resilience and the ability to address unforeseen demands.
JUP Distribution and Vesting Overview
- Cliff: 6 months for all team members, starting from the date their tokens are allocated (since not all team members join at the same time)
- Linear Unlock: proportional monthly unlocking after the cliff period
Example:
Backend Developer → 180,000 JUP total, 7,500/month, 22,500/quarter
This means the Backend Developer will unlock 7,500 JUP per month after the 6-month cliff, adding up to 22,500 JUP per quarter, until completing the 24-month vesting period.
- The total amount of JUP tokens allocated to each team member will be deposited into the smart contract immediately upon the team member’s official onboarding/start date. These tokens will remain fully locked under the 6-month cliff and linear unlock schedule, and are subject to the Early Exit Rule. This approach ensures full transparency, alignment with the vesting plan, and builds confidence for both the team and investors.
Early Exit Rule:
- If a team member leaves before the cliff, they forfeit all allocated tokens.
- If they leave after the cliff, they retain tokens vested up to that point; unvested tokens are returned to the project pool.
Competitive Analysis
A competitive assessment has been conducted to highlight XJup’s key differentiators compared to solutions like Crypto.com Card, Binance Card, and Nexo Card. Notable advantages include:
- Automatic swaps optimized by the Jupiter Aggregator
- Gamified rewards program with utility NFTs
- AI-powered financial management tools
- Attractive card usage rewards, including cashback and JupiPoints
- Loyalty program with tiers, challenges, and point staking
- Initial focus on the Solana network as the main chain, leveraging its speed, low fees, and integration with the Jupiter Aggregator, with planned expansion to other networks
- Planned multichain expansion to Ethereum, Avalanche, and BNB
- Strong security framework with MPC wallets, KYC/AML compliance, and Panic Mode for account protection
This analysis reinforces XJup’s positioning as an innovative leader in the global Web3 payments space, offering a comprehensive and user-friendly solution that bridges crypto and everyday life.
Smart Contract System (Design + Implementation)
The smart contract system ensures the vesting process is automated, transparent, and secure.
Key functions:
allocate(address, amount)→ Assigns tokens to each beneficiarygetVestedAmount(address, time)→ Calculates unlocked tokens over time (factoring in cliff and linear unlock)claim()→ Allows beneficiaries to withdraw unlocked tokensrevoke(address)→ Enables the admin to cancel unvested tokens, especially if a member exits early
Administrative controls:
- The admin can execute
revoke(address)to cancel remaining JUP, including cliff portions if the member leaves early. - Revoked tokens automatically return to the project’s token pool.
On-chain events:
- The contract emits events such as Allocated, Claimed, and VestingRevoked for real-time tracking, public auditing, and accountability.
Audit and Security:
- All smart contracts will undergo external audits by top-tier blockchain security firms prior to deployment.
Additionally, XJup will implement periodic re-audits for major updates, conduct internal security reviews, and establish a bug bounty program to encourage continuous vulnerability testing by the broader developer community.
This multi-layered approach aims to guarantee maximum safety, trust, and full on-chain transparency.
Smart Contract Implementation on Solana
- Initial Allocation: The full JUP amount per member is locked into the vesting smart contract at project launch.
- Programming Logic:
block.timestamp < cliff_time→ no claims allowed
After the cliff → proportional monthly release based on the vesting schedule
JUP Token Allocation Summary
The updated allocation table defines clear rules for distributing JUP tokens across team members:
- 6-month fixed cliff for all roles
- Gradual linear unlock after the cliff, even if the member has left the project (up to vested amount)
- Strict enforcement via audited smart contracts
Final Notes for Investors and Team
This vesting system guarantees:
- Fair, predictable compensation for team members
- Alignment with project milestones and roadmap
- Strong investor protection through automated on-chain enforcement
- Maximum transparency via public audit trails
Simple JUP Allocation Summary
| Role | Months | Calculation | Total JUP Allocated |
|---|---|---|---|
| Backend Developer | 12 | 12 × 15,000 | 180000 |
| React Native Developer | 12 | 12 × 15,000 | 180000 |
| DevOps Engineer | 3 | 3 × 15,000 | 45000 |
| UI/UX Designer | 3 | 3 × 15,000 | 45000 |
| Product Manager | 23 | 23 × 15,000 | 345000 |
| Compliance Advisor | 3 | 3 × 15,000 | 45000 |
| Web3 Marketer | 23 | 23 × 15,000 | 345000 |
| Business Developer | 23 | 23 × 15,000 | 345000 |
| Project Director | 24 | 24 × 15,000 | 360000 |
Team Token Rewards & Vesting Timeline
| Role | Total JUP | Cliff (months) | Post-Cliff (months) | Monthly Unlock | Notes |
|---|---|---|---|---|---|
| Backend Developer | 360,000 | 6 | 24 | 15,000 | Full 24-month unlock |
| React Native Developer | 360,000 | 6 | 24 | 15,000 | Full 24-month unlock |
| DevOps Engineer (1) | 15,000 | 6 | 1 | 15,000 | 1-month role, unlocks fully after cliff |
| DevOps Engineer (2) | 30,000 | 6 | 2 | 15,000 | 2-month role |
| UI/UX Designer (1) | 15,000 | 6 | 1 | 15,000 | 1-month role |
| UI/UX Designer (2) | 30,000 | 6 | 2 | 15,000 | 2-month role |
| Product Manager (1) | 180,000 | 6 | 12 | 15,000 | 12-month role |
| Product Manager (2) | 165,000 | 6 | 11 | 15,000 | 11-month role |
| Compliance Advisor (1) | 15,000 | 6 | 1 | 15,000 | 1-month role |
| Compliance Advisor (2) | 30,000 | 6 | 2 | 15,000 | 2-month role |
| Web3 Marketer (1) | 180,000 | 6 | 12 | 15,000 | 12-month role |
| Web3 Marketer (2) | 165,000 | 6 | 11 | 15,000 | 11-month role |
| Business Developer (1) | 180,000 | 6 | 12 | 15,000 | 12-month role |
| Business Developer (2) | 165,000 | 6 | 11 | 15,000 | 11-month role |
| Project Director | 360,000 | 6 | 24 | 15,000 | Full 24-month unlock |
Detailed Roadmap with Key Team Roles
| Phase | Months | Key Focus | Core Roles Involved |
|---|---|---|---|
| Inicial Setup | M1 | Initial setup, infrastructure, compliance, UX | DevOps, UI/UX Designer, Compliance Advisor |
| MVP Funcional | M2–M4 | Core feature development, Jupiter integration, testing, marketing strategy | Backend Developer, React Native Developer, Product Manager, Marketing, Compliance |
| Expansion / Rewards | M5–M8 | Gamification, JupiPoints, cashback, NFT integration, marketing push | Backend, React Native, Product, Marketing, Business Development |
| Beta / EU | M9–M12 | Beta launch, EU compliance, user feedback, product refinement | Backend, React Native, Product, Marketing, Business Development, Project Director |
| Multichain Global | M13–M24 | Multichain integration (ETH, AVAX, BNB), global partnerships, scaling | Product Manager, Marketing, Business Development, Project Director |
Sustainability Model
The XJup model is designed to be financially self-sustaining over time.
Revenue streams include:
- Swap fees
- Payment commissions
- Premium subscriptions
- NFT and gift card sales
As the user base grows, these sources generate sufficient recurring income to cover operational costs, maintenance, and ongoing development.
Key safeguards:
- Cashback and JupiPoints incentives are carefully calculated to ensure they do not exceed the generated revenue margin.
- A portion of profits is reinvested into technical improvements and market expansion, securing a sustainable growth cycle.
Additional Ideas
-
Payment simulator: allows users to preview exactly how much will be debited in crypto, how much will be converted to fiat, which fees apply, and the final amount in EUR or USD at the time of payment.
-
Travel Mode: automatically adjusts spending limits, reduces security alerts to avoid false blocks when abroad, and enables preloading fiat balance for offline use in low-connectivity regions.
→ Suggestion: Include a privacy toggle so users can control location-based features and avoid sharing travel status. -
“Pay with JUP” Widget: embeddable tool for e-commerce sites and mobile apps that allows direct payments in JUP, expanding the token’s ecosystem across online stores and commercial partners.
→ Suggestion: Offer merchants optional features like discounts, loyalty rewards, or instant conversion to stablecoins. -
Social leaderboard: public user rankings with weekly challenges, achievements, and badges to foster engagement and healthy community competition.
→ Suggestion: Allow users to opt in/out of rankings for privacy, and link leaderboard status to unlockable benefits (e.g., cashback boosts, exclusive NFT drops). -
DAO/influencer partnerships: aimed at expanding project reach, involving influential Web3 communities, launching viral marketing campaigns, and co-creating exclusive NFT drops and rewards.
→ Suggestion: Run collaborative community votes or governance events with DAOs to increase ownership and participation. -
User analytics dashboard (new idea): Provide insights into spending habits, token usage patterns, and even environmental impact (e.g., carbon offset tracking), helping users make more informed decisions.
Business Model
XJup’s business model is designed to generate diverse and scalable revenue streams, ensuring a solid foundation for long-term growth.
Main revenue sources:
-
Swap fees: Charging a small margin on each crypto conversion at the point of sale, generating recurring revenue proportional to transaction volume.
-
Card usage commissions: Earning a share of each payment processed via Visa/Mastercard through interchange agreements, increasing as the active user base grows.
-
XJup Pro subscription: Offering premium users enhanced benefits such as increased cashback, early access to exclusive NFTs, priority support, and reduced swap fees.
-
NFT and gift card margins: Generating revenue from the sale of collectible digital assets and discounted gift cards, alongside brand partnerships for promotional campaigns.
Operational Costs and Infrastructure
While the primary focus has been on team costs, the project must also account for additional critical expenses, such as:
- Server and cloud infrastructure (AWS, Azure, Google Cloud) to host the backend, APIs, and databases.
- App store setup and publishing fees (Google Play, App Store), including annual developer account fees.
- Acquisition of essential hardware, such as testing devices (smartphones, tablets, NFC readers).
- Technical support and customer service to ensure continuous operations and a smooth user experience.
- Additional legal and administrative costs, including advisory services for contracts and partnerships.
These costs should be planned for in the overall budget or partially covered by the initial investment to ensure a stable and scalable foundation.
Operational Costs and Infrastructure Forecast (24 months)
| Category | Estimated Cost (€) |
|---|---|
| Cloud infrastructure (AWS/Azure) | €3,000/month → €72,000 |
| App publishing (Google/Apple) | €2,000 (initial fee + 2 years) |
| Testing hardware (smartphones, NFC) | €10,000 |
| Technical support (outsourced) | €4,000/month → €96,000 |
| Licenses and tools (monitoring, CI/CD) | €2,000/month → €48,000 |
| Legal/administrative costs | €20,000 |
Total estimated (24 months) | €248,000
Additional Team Assessment
Based on these costs and the planned operations, it may be necessary to include:
- Sysadmin/Cloud Engineer (part-time): to manage the infrastructure.
- Customer support (1–2 people): depending on the size of the user base.
- QA/Testing Specialist: to ensure quality across multiple platforms.
These roles can be hired as freelancers or integrated in later phases, depending on the project’s growth.
This reinforcement would ensure continuous technical operations, high-quality user support, and excellent standards in product launches and updates.
It is recommended that the Sysadmin/Cloud Engineer join during Phase 1 (M2–M4) to support the MVP and initial expansion and, depending on the growth and complexity of the infrastructure, potentially stay on through the full cycle until M24.
Costs and JUP Allocation for Additional Team (24 months)
| Role | Months | Cost/month (€) | Total (€) | JUP/month | Total JUP |
|---|---|---|---|---|---|
| Sysadmin / Cloud Engineer | 12 (may be extended to 24 months as needed) | €3,500 | €42,000 | 7,500 | 90,000 |
| Customer Support (x2) | 24 | €2,500/person | €120,000 | 5,000/person | 240,000 |
| QA / Testing Specialist | 12 | €4,000 | €48,000 | 7,500 | 90,000 |
Estimated Total (Additional Team) — €210,000 — 420,000 JUP
Breakdown of Operational and Infrastructure Costs
-
Cloud infrastructure (AWS/Azure): servers, data storage, load balancing, backups, and security — all essential to keep the app online with high availability.
-
App publishing (Google/Apple): includes developer fees, app store reviews, and compliance maintenance.
-
Testing hardware: purchase of smartphones, tablets, and NFC readers for multi-platform and compatibility testing.
-
Technical support (outsourced): helpdesk team to assist users, manage tickets, and resolve operational issues. Cybersecurity measures, including intrusion detection systems, continuous penetration testing, and active monitoring, will be incorporated into the operational budget to safeguard the platform against evolving threats.
-
Licenses and tools: monitoring software, CI/CD pipelines, analytics, logging tools, and integrations with external services.
-
Legal/administrative costs: trademark registration, contracts, accounting, and legal consulting.
These items are critical to ensuring stability, service quality, and regulatory compliance, and they are indispensable for the project’s sustainable operation.
Final Summary of Funding Requirements
| Category | Total (€) | Total JUP |
|---|---|---|
| Core Team | €672,975 | 1,890,000 JUP |
| Additional Team | €210,000 | 420,000 JUP |
| Operational Costs & Infrastructure | €248,000 | N/A |
Overall Total Required — €1,130,975 — 2,310,000 JUP
Investment Request
We are seeking an investment of €1.17M and approximately 2.37M JUP to fund the initial creation and future expansion of the project.
This covers the full 24-month roadmap, including:
- Core and additional teams
- Operational costs and infrastructure
- Marketing initiatives
- Reserve for scaling and contingencies
This investment is intended to provide a robust foundation for the initial 24-month roadmap. However, the team recognizes that depending on market dynamics, user growth, and technical complexity, additional capital infusions may be necessary to strengthen infrastructure, enhance security measures, and scale operational capacity. A proactive approach to future fundraising and financial planning will be part of the project’s governance from the outset.
Investment Breakdown (€1.17M total request)
- Core team (24 months) → €672,975
Includes: development, product, marketing, compliance, business development - Infrastructure & operations → €150,000
Cloud services, servers, data storage, testing hardware, backups, security - Infrastructure team & support → €100,000
Sysadmin/cloud engineers, technical support, QA/testing specialists - Marketing & growth initiatives → €80,000
User acquisition, community campaigns, DAO/influencer partnerships - Legal & regulatory costs → €50,000
KYC/AML compliance, international licensing, legal advisory - Security audits → €50,000
External smart contract and system audits - Contingency reserve → €67,000
Unforeseen expenses, scaling adjustments, or emerging costs during project execution; the full amount may not be used
Fueling Ecosystem Growth with JUP (60K JUP)
To support the expansion of the XJup ecosystem, we propose allocating an additional 60K JUP (totaling 2.37M JUP tokens) as part of a strategic plan designed to accelerate user adoption, incentivize activity, and strengthen community and partner engagement.
This allocation will support:
- Card usage incentives:
Cashback in JUP, milestone bonuses (e.g., spend €500 → earn bonus JUP), tier upgrades, and limited-time promotions to drive card activity and retention. - Influencer & ambassador campaigns:
JUP rewards for Web3 influencers, content creators, and early ambassadors promoting XJup through referrals, social campaigns, and educational content. - Community & referral programs:
Token-based rewards for user referrals, leaderboard challenges, DAO/community votes, and co-creation initiatives. - Merchant adoption incentives:
Bonuses for merchants integrating the “Pay with JUP” widget, customer discounts for JUP payments, and co-branded marketing efforts.
This combined strategy will strengthen network effects, boost transaction volume, increase user loyalty, and establish XJup as a leading Web3 payments solution globally.
Pre-Seed Breakdown (€250K)
As part of this investment, the €250K pre-seed round will specifically cover:
- Technical development: MVP build, blockchain integrations, app and backend development
- Licensing: regulatory costs, KYC/AML, partnerships with card issuers
- Marketing: Web3 campaigns, user acquisition, strategic partnerships with DAOs and influencers
- Testing and security: resources for product testing, security audits, and initial contracts with key suppliers
Pre-Seed Breakdown (60K JUP)
As part of this strategy, the 60K JUP pre-seed allocation will specifically support:
- Card usage incentives:
Initial cashback rewards, spending milestones, and promotional campaigns to drive early user engagement. - Influencer & ambassador activation:
Incentives for Web3 influencers, ambassadors, and community leaders to promote XJup through social media, content, and referrals. - Community growth & referrals:
JUP-based rewards for early user referrals, leaderboard challenges, and DAO/community engagement initiatives. - Merchant onboarding incentives:
Bonuses for the first wave of merchants integrating the “Pay with JUP” widget and offering JUP payment discounts.
Combined Pre-Seed Strategy
The combined pre-seed request of €250K and 60K JUP tokens is designed to provide both the financial resources and ecosystem incentives needed to successfully launch XJup.
-
The €250K euro funding will cover:
→ Technical development,
→ Compliance and licensing,
→ Marketing campaigns, and
→ Security audits. -
The 60K JUP allocation will directly support:
→ User adoption incentives,
→ Ecosystem participation rewards, and
→ Early network effects across users, influencers, and merchants.
Together, these resources will lay the foundation for a successful MVP launch and position XJup for rapid growth and market leadership in the Web3 payments space.
Strategic Summary
The JUP Validator Strategy proposal is a key pillar in advancing the Jupiter DAO’s long-term vision by building robust infrastructure that underpins sustainable ecosystem growth. Through the deployment of a dedicated network of high-performance validators, this initiative strengthens the DAO’s technical foundation while offering new revenue streams and enhanced decentralization.
Key impact areas:
- Decentralization & Security: Expands the JUP validator network to enhance trust, reliability, and resilience across the ecosystem.
- Sustainable treasury growth: Generates staking rewards and transaction fees that feed back into the DAO’s treasury for future initiatives.
- Community empowerment: Enables transparent, open delegation and fosters deeper DAO governance participation.
- Cross-chain vision: Lays the groundwork for future expansion to multichain validation (ETH, AVAX, BNB), positioning Jupiter DAO as a leader in Web3 infrastructure.
This proposal delivers a strategic, long-term boost to the ecosystem’s security, scalability, and financial sustainability, ensuring that the Jupiter DAO evolves into a self-sufficient and resilient organization over the coming years.
Closing Statement
XJup connects the crypto world to the real world with a simple, fast, and secure solution designed for mass adoption. With a clear roadmap, a strong team, and an innovative business model, XJup is ready to scale globally and lead the next generation of Web3 payments.
We are excited to first present this project to the Jupiter Network team and DAO members for review and validation, as we work together to shape the future of finance and unlock the full potential of Web3 in everyday life.
Footnote
The project name, app name, and card brand are currently presented under the provisional name “xJup.” This placeholder has been chosen to maintain confidentiality during the public review and community validation phase. Should the project be approved, the official name and branding (including app and card identity) will be revealed and implemented.
P.S. tagging a few great minds for input: @meow @Kash @0xSoju @9yointern