The holder pool

How a share of every fee on ubi.fun (24% on older coins, 13% on v2 tokens (1.5% to 5% fee)) is split each day among eligible UBI holders in USDC, and why it can't be gamed.

The holder pool is the center of ubi.fun: a share of every trading fee, from every coin, flows into one shared pool held as USDC in Morpho’s Universal Rewards Distributor. Coins launched before v2 send it 24% of each fee. On v2 tokens (1.5% to 5% fee), from October 7, 2026, UBI holders get 13% of each fee, settled by the daily payout (the v2 fee split). Once a day, the whole pool is divided among holders of UBI, the platform coin, by a published, deterministic formula, and the result becomes claimable. The pool’s size depends entirely on trading activity.

v3 tokens add 13% of their fees in their pair asset. From the Oct 18, 2026 round the daily payout splits that too, with the same weights, and sends it as gold, or as USDC for holders who turn on Get XAUm rewards in USDC on the rewards page (Gold for UBI holders).

The daily cycle

1. Epochs are UTC days. At 00 UTC each epoch closes and the day’s inflow is measured on-chain.
2. The whole pool goes to UBI holders. Fees from every coin on the platform count, not just UBI’s own trading.
3. It splits between UBI holders by time-weighted balance. Every block of the day counts: your share follows your average balance across the whole UTC day, from the Oct 2, 2026 round (earlier rounds read balances at the epoch boundary). Hold 2% of the eligible UBI supply all day, get 2% of the day’s pool; hold it for half the day, get about half that.
4. Entitlements are cumulative. Each day’s allocation adds to your lifetime total. The payout dataset is published, then its on-chain root activates after a 1-hour public review window. Once it activates, what you’re owed is sent straight to your wallet, so there’s nothing to claim.

Designed to resist gaming

• Sybil-proof. Allocation is linear in holdings, splitting one wallet into a hundred changes nothing.
• Wash-trade-proof. Volume plays no part in the split. Trading with yourself pays the full swap fee (1.25% to 5%) and, at most, returns your UBI share of the holder portion, a guaranteed loss.
• Snapshot-proof. There is no single moment to game. Buying UBI just before midnight and selling just after earns only the minutes held, while the round trip still pays the fee both ways.

Eligibility

• Any wallet that held UBI during the day is included, for the time it held it, even if it sold before midnight (from the Oct 2, 2026 round; earlier rounds counted wallets holding UBI at the epoch boundary). Other ubi.fun coins do not earn from the pool; their trading fees fund it. Tokens launched with a creator vault pay their own holders separately, through their creator vault.
• Protocol contracts, pools, and burn addresses are excluded. The pool pays people, not plumbing.
• Smart-contract wallets (Safes and other deployed contracts) are not counted; use a regular wallet to earn. Regular wallets upgraded to EIP-7702 smart accounts (FOMO, Bitget Wallet, MetaMask, Coinbase, Uniswap Wallet and others) count from the Sep 28, 2026 round. This is a disclosed limitation, not a policy, see Security model.
• Entitlements below $0.01 accumulate until they cross the floor. Nothing is forfeited.

The pool went UBI-only starting with the Sep 27, 2026 round, the first round with real inflow. Earlier rounds split between coins by volume. Every step above is reproducible from public chain data. The exact procedure, with the formula, boundary definitions, and rounding rules, is in Verify any payout.