Parcel documentation

Your Parcel account

Parcel supports Solana mainnet launches, recipient nominations and creator-fee accounting. Your account keeps attributed earnings, available balances and payment records separate. The local demo uses labeled example records and cannot move real money.

Cash-out availability depends on enabled payment services, supported destinations and recipient eligibility. Check the cash-out screen for available options. Fees, exchange rates and pickup instructions must be confirmed for each transfer.

80/20, from actual collections.

For every confirmed collection, recipient units equal floor(collected units × 8 ÷ 10). The remainder goes to the reserve. The sum always equals the original collection, including the smallest base unit. Each source event is recorded once with its policy version and transaction evidence.

SOL, USDC and local currencies are separate balances. An estimated market value is never spendable cash. Actual conversion fills and network costs must be verified before USDC is credited. The reserve is a budget, not a completed buyback or burn.

Accepted provider fees are included in the displayed debit. Parcel’s operating funds cover funding network costs under this policy. No additional charge is silently removed from the accepted cash amount.

Claiming a recipient profile

A public profile is a nomination reference, not proof of identity. Claim links are random, expire, and can be redeemed only once. Signing in and holding a claim link begins ownership review. Access to earnings requires independently verified control; provider identity checks remain separate.

Unclaimed allocations can accumulate. Different nominations are not merged simply because names look alike. Only verified mappings to the same authenticated recipient contribute to a combined cash-out balance.

A quote you can actually review.

Supported countries, currencies, minimums and maximums come from the approved provider configuration. Parcel can apply additional versioned minimums by market and asset. The example destinations in the demo do not establish live coverage. There is no inherited global ¥1,000 threshold.

Review provider fees, exchange rate, local cash amount and expiry before accepting. Funds are reserved in a database transaction. A timeout or closed browser does not release a potentially sent transfer. Unknown outcomes are reconciled before retrying.

Every status has a meaning.

Funds reserved

The accepted amount is held, not yet paid.

Transfer submitted

A signed transaction exists. Confirmation may still be pending.

Funds received

USDC arrived. Cash pickup is not yet confirmed.

Ready for pickup

The provider has activated the pickup reference.

Cash collected

The provider confirmed physical pickup.

Refund pending

No credit until both provider and chain confirm the refund.

Public activity. Private pickup.

Public pages show redacted activity. Legal identity, contact information, provider sessions and pickup codes are not public. Sensitive values are encrypted at rest. Payment details require recipient ownership or an authorized support role. Administrative financial changes require a short-lived passkey verification.

MoneyGram Ramps

The adapter targets the custodial Solana USDC cash-out track because recipient allocations are held in a shared treasury. This requires MoneyGram’s explicit approval and partner configuration. The custody model cannot change from one browser session to another.

The provider widget handles verification and quotes. Browser callbacks are hints only. The server reads authoritative transfer instructions, validates the canonical USDC mint, reserves funds once and reconciles signed transfer outcomes. Webhooks are signature-verified, deduplicated and checked against provider status.