Viewers pay in a stable in-app balance, creators keep every unit of what they are sent, and streams can be gated behind a token the creator owns.

Streamo charges 3% once, when someone turns dollars into Streamo Coins. After that money moves freely: tips, subscriptions, gifts, paid messages and cashing out are all free. A creator who receives 100 coins redeems 100 coins’ worth of dollars.

That is not a rounding of 97%. The fee is paid by the buyer before the coins exist, so “creators keep 100%” is literally true — which no major platform can say.

One US dollar buys ten coins, always. Ten coins redeem for one dollar, always. There is no liquidity pool, no price chart, and no way for it to be worth less tomorrow.

The reason for a stable unit rather than a volatile token is the audience. These are people who watch streams, not traders. A currency that can halve overnight is one they will not hold, and a tipping economy denominated in something frightening does not get used.

A viewer signs in with an email and gets a wallet without being told they have one. No seed phrase, no buying SOL, no network fees. The blockchain is an implementation detail — which is the only way this reaches an audience that has never opened a wallet.

Coins are only created when someone deposits USDC, and dollars only leave when coins are destroyed. That gives one inequality that must hold forever:

circulating STREAMO  ≤  treasury USDC × 10

A reconciliation job checks it on a schedule. A surplus is normal — that is the 3% fee sitting in reserve, backing nothing on purpose. A deficit would mean coins existed that nothing stood behind, so it halts cashing out automatically and keeps it halted until a person has looked.

The panel above is not our figure for our own solvency. Your browser asked Solana directly, and the addresses are printed so you can ask it again yourself. A platform asserting that it holds your money is worth nothing; a platform that hands you the addresses is worth checking.

Money on Streamo divides into four kinds that have no business sharing a wallet. Keeping them apart means a compromise anywhere costs only what that wallet holds — and it makes each balance separately checkable rather than a claim in a spreadsheet.

The last one is possible because sending to cold storage needs no cold signature. Earning, sweeping and counting all work with the key in a drawer — it only comes out to spend. Revenue is the one pot that never has to move on demand, which makes it the one that should never be hot.

A sweep can never exceed the fees actually recorded, and always leaves the reserve over-collateralised, so a small operational error cannot turn into unbacked supply.

Credibility is mostly a list of things that are structurally impossible rather than merely promised.

• Freeze your balance. The mint has no freeze authority, and that cannot be added later.
• Spend your coins. Every payment is signed by the wallet that owns the coins. Streamo can mint against deposits and burn on redemption; it cannot move somebody else’s balance.
• Hold your payout hostage. Redemption is a transaction, not a request. No threshold, no schedule, nobody to ask.
• Quietly print coins. Supply is public, the reserve is public, and the ratio between them is checked continuously by anyone who cares to.

Six streams, of which the platform touches one — and it is not a share of the creator’s own earnings.

The fifth is the one no incumbent can copy without rebuilding their payment stack. A creator launches a coin, gates their stream behind holding some of it, and every later trade pays them a fee — whether or not they are live, and whether or not they ever stream again. It is the first instrument that makes a creator’s audience an asset they own rather than a metric a platform reports to them.

Streamo runs its own coin and returns 70% of its trading fees to the people who generated the activity — 75% to creators, 25% to the most generous viewers, every hour.

Ranking by viewers or chat volume would pay for bots. Ranking by tips received would pay for tipping yourself: moving coins costs nothing, so any score built on movement can be farmed for free.

So scoring is anchored to money that genuinely entered the system — a tip counts toward a creator’s score only to the extent the tipper has ever deposited real dollars. Attention still counts, at 15%, so a growing free audience earns something. A fabricated one earns nothing, because it cannot clear the single qualifying rule that at least one real paying viewer is present.

The largest gap between what Streamo is and the audience it is built for.

Everything above assumes a viewer can turn dollars into coins. Today that means holding USDC on Solana — trivial for a crypto native, a wall for everyone else. A product whose thesis is that the blockchain should be invisible currently asks a first-time user to buy a stablecoin before they can tip a dollar.

Nothing about that is structural. The coin, the reserve and the peg work the same whether USDC arrives from a wallet or a card. What is missing is the two ends: a hosted on-ramp so a card or Apple Pay produces coins, and an off-ramp so a creator’s coins reach a bank account.

The off-ramp is the half that matters, and the design deliberately keeps Streamo out of the regulated middle: coins burn, USDC leaves the reserve, and a licensed partner handles the fiat leg and the identity checks. Streamo stays a platform issuing a redeemable balance, not a money transmitter.

Built and running on mainnet. Not yet launched to an audience.

Live today: streaming and chat, the coin and its reserve, tipping, subscriptions with per-tier perks, gifting, text-to-speech alerts, an OBS overlay, token gating with screening, one-click gated entry, in-stream buying and selling, coin launches from the go-live form, creator reward claiming, and portfolio tracking.

Being honest about the stage: the reserve is small, and there is no audience yet. The economics here are a design that works, not a business proven at scale. What exists is a complete product on mainnet with real money moving through it.