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FAQs
Find quick answers to the most common questions about Stakefy, StakePay, staking mechanics, and integration.
Frequently Asked Questions
General
Q: What is Stakefy?
A: Stakefy is the first protocol that enables users to unlock services by staking crypto assets instead of paying recurring subscriptions. Users keep their capital while providers earn staking yield as revenue.
Q: How is this different from a normal subscription?
A: Traditional subscriptions extract money from your wallet permanently. With Stakefy, you stake assets (which stay yours), and the yield goes to the provider. You can unstake anytime to reclaim your capital.
Q: Is this actually cheaper than subscriptions?
A: It's not about cheaper — it's about capital efficiency. You're not spending money; you're temporarily locking it. The opportunity cost is the yield, but you retain the principal. If your staked asset appreciates, you actually profit while accessing the service.
Q: What does "stake-to-access" mean?
A: Instead of paying $10/month, you stake an amount (e.g., $1,200) that generates enough yield ($10/month) to pay the provider. You unlock access by staking, not by spending.
For Users
Q: Is my money safe?
A: Yes. Your stake is held in audited smart contracts (not by Stakefy or providers). You retain full ownership and can unstake anytime. We also use slashing protection and insurance pools.
Q: What if the price of my staked asset drops?
A:
Stablecoins (USDC): No price risk. $1,000 USDC stays $1,000.
Volatile assets (SOL/ETH): We require over-collateralization (buffer). If price drops significantly, you'll get a notification to top up. You have a grace period before access pauses.
Q: How do I cancel?
A: Click "Unstake" in your dashboard. After the network unbonding period (typically 1-3 days), your capital returns to your wallet and access automatically revokes.
Q: What if I need my money urgently?
A: We're building instant unstaking via liquidity pools. Pay a small fee (1-2%) to swap your stake position for immediate liquidity. Otherwise, standard unbonding takes 1-3 days.
Q: Which tokens can I stake?
A: Currently SOL, USDC, and SFY. We're adding ETH, USDT, DAI, and others in 2026.
Q: Do I earn any yield?
A: By default, 100% of yield goes to the service provider (that's how they get paid). However, for higher-tier stakes or SFY holders, we offer yield-sharing where you get a portion back.
For Businesses
Q: Why would users prefer staking over paying?
A: They keep their capital. It's psychologically different: "locking $1,200" feels better than "spending $120" even though economically the yield cost is similar. Plus, if their asset appreciates, they profit.
Q: What if staking yields drop and I don't get enough revenue?
A: We have three mechanisms:
Dynamic stake adjustments: Users get notified to top up
Multi-source yield aggregation: We optimize across validators and DeFi
Yield insurance: Our pool covers shortfalls
You can also opt for fixed-rate contracts where we guarantee your revenue.
Q: How do I get paid?
A: Yield is automatically distributed to your designated wallet address (daily, weekly, or monthly — your choice). You can receive in SOL, USDC, or other assets.
Q: Can I still offer traditional payments?
A: Absolutely! StakePay works alongside Stripe, PayPal, credit cards. Users choose their preferred method. Many providers offer both.
Q: What's the onboarding time?
A:
Basic integration: 2-4 hours (just SDK + webhooks)
Custom tiers: 1-2 days
White-label: 1 week with our support team
Q: Do I need to understand crypto?
A: No. Our SDK abstracts all complexity. You just integrate StakePay like you would Stripe. We handle wallets, smart contracts, and blockchain interactions.
Technical
Q: Which blockchains are supported?
A:
Now: Solana (testnet end of Oct 2025, mainnet Q1 2026)
Q2 2026: Ethereum
Q3 2026: Polygon, Arbitrum, Base
Future: Multi-chain expansion
Q: How long does unstaking take?
A: Depends on the network:
Solana: ~2 days (validator unbonding)
Ethereum: ~1-3 days
USDC (via DeFi): Often instant or <24 hours
Instant unstake option: Available for small fee via liquidity pools
Q: Are there fees?
A:
Users: Only network gas fees (typically $0.01-0.50 per transaction)
Providers: 0.5% protocol fee on yield received (waived first 6 months)
Q: Has Stakefy been audited?
A: External audit scheduled for Q4 2025 before mainnet launch. We've completed internal reviews and are launching a bug bounty program.
Q: What if there's a smart contract bug?
A: We have:
Emergency pause mechanism
Insurance pool
Multi-sig control (3-of-5)
Bug bounty up to $500k for critical findings
Tokenomics
Q: What is $SFY token?
A: Our native token with four utilities:
Governance: Vote on protocol upgrades
Staking boosts: Get 15-25% higher APY when staking SFY
Fee discounts: Providers pay lower fees
Revenue sharing: 50% of protocol fees distributed to SFY stakers
Q: When is TGE?
A: TBA (expected Q4 2025). Follow announcements at stakefy.io and @stakefylabs on Twitter.
Q: Should I buy SFY or just stake USDC?
A: Depends on your goals:
Want stability? Stake USDC (predictable, no price risk)
Want higher yield? Stake SFY (15-25% APY but volatile)
Want governance? Need SFY to vote
Many users diversify across both.
Q: How does SFY capture value?
A:
50% of protocol fees distributed to SFY stakers
Quarterly buyback & burn (20% of fees)
Required for boosted yields (demand driver)
Governance rights increase with ecosystem growth
Charity Platform
Q: What is the Stakefy Charity Platform?
A: Coming 2026. Users can stake for causes they care about. 100% of yield goes to the charity/fundraiser. Your principal stays yours, but the yield helps others.
Example:
Stake $10,000 USDC @ 8% APY
$800/year goes directly to clean water charity
You can unstake anytime, but while staked, you're funding the cause
Fully transparent on-chain
Q: Can I get a tax deduction?
A: We're working with legal advisors on this. Likely structure:
Yield is donated (tax deductible)
Principal isn't donated (you keep it)
Check with your tax advisor for your jurisdiction.
Competitive Questions
Q: How is this different from just staking for rewards?
A: Traditional staking = you earn yield for yourself. Stakefy staking = yield goes to the service provider in exchange for access. It's staking as payment, not staking for profit.
Q: What about token-gated access (like holding NFTs)?
A: Token-gating requires you to hold tokens (can't sell them). Stakefy lets you stake and retrieve your capital. It's more flexible and capital-efficient.
Q: Isn't this just subscriptions with extra steps?
A: No. Key differences:
You keep your capital (subscriptions take it permanently)
Better retention for providers (economic commitment)
No payment processing fees
Global, permissionless access
On-chain transparency
Business Model
Q: How does Stakefy make money?
A:
0.5% fee on yield distributed to providers (waived first 6 months)
SFY token value capture (we hold tokens in treasury)
Enterprise white-label solutions
Q: Is 0.5% enough to sustain the company?
A: At scale, yes:
$100M TVL × 8% yield = $8M/year → $40k fees
$1B TVL × 8% yield = $80M/year → $400k fees
$10B TVL × 8% yield = $800M/year → $4M fees
We're optimizing for volume, not margin. Our costs are minimal (on-chain operations have near-zero marginal cost).
Regulatory
Q: Is staking legal?
A: Staking itself is generally legal. Regulatory questions arise around:
Whether yields constitute securities
Payment processing licenses
We're working with top crypto legal firms and structuring conservatively (LLC + Foundation model).
Q: Can I use Stakefy from [my country]?
A: We'll announce supported jurisdictions before mainnet launch. Initially, we may exclude:
Countries with strict crypto bans
High-risk AML jurisdictions
Regions requiring specific licenses we don't yet have
Support
Q: How do I get help?
A:
Users: support@stakefy.io
Developers: developers@stakefy.io
Providers: partners@stakefy.io
Q: Where can I learn more?
A:
Website: stakefy.io
Twitter: x.com/stakefylabs
Telegram: t.me/stakefylabs
Join our Community Forum
Any other questions? Get in touch