stonkbuilderCOMMUNITY
EN

Article Memecoins

pump.fun Holder Rewards explained: how $ARMORED holders earn ORE

On most pump.fun coins, a small fee on every trade goes to the coin's creator. On a Holder Rewards coin, it goes to the people holding the coin instead. Here is how that works, using $ARMORED and its 3% paid in ORE as the example.

  • 6 min read
  • Published
  • Facts checked
  • By StonkBuilder Community

In short

  • On a Holder Rewards coin, the creator fee on every trade goes to holders, not to a creator wallet.
  • Rewards are paid in the coin's pair token, in rounds. Holders have nothing to claim.
  • $ARMORED's rate is 3% of each pump.fun trade, paid in ORE. pump.fun also takes 0.95%.
  • Rewards come from trading. When trading slows, rewards shrink, and the fee makes every trade dearer.

Words you'll meet

Creator fee
A share of every trade that pump.fun normally pays to the coin's creator.
Holder Rewards
A pump.fun setting that sends the creator fee to the coin's holders instead.
Pair token
The token a coin is priced in on pump.fun, such as SOL, USDC or ORE.
Basis points
Hundredths of a percent. 300 basis points is 3%.
CTO
Community takeover: pump.fun's process for changing who controls a coin's fees.

More words, explained plainly: the StonkBuilder Learn glossary

Creator fees, first

Every trade on pump.fun pays a fee. Part goes to pump.fun, and part, the creator fee, normally goes to the coin's creator. On the bonding curve that is 0.95% to pump.fun and 0.30% to the creator for standard coins.[1]

What Holder Rewards changes

A coin can be created as a Holder Rewards coin. Then the creator fee is not paid to a creator wallet. pump.fun sets it aside for the people who hold the coin and pays it out to them on an ongoing basis.[2]

  • Nothing to claim. Holders don't sign or call anything. pump.fun does the paying.[2]
  • Paid in the pair token. A SOL-paired coin pays in SOL; a coin paired with ORE pays in ORE.[3]
  • Paid in rounds. pump.fun pays out the pool of rewards in rounds, so a little can be waiting for the next one.[3]
  • One way only. A regular coin can be converted to Holder Rewards through pump.fun's community takeover team, but a Holder Rewards coin can never go back.[2]
  • Trading is unchanged. Buys and sells work and cost the same as before. Only who receives the creator fee changes.[2]
A diagram: a trade of $ARMORED on pump.fun pays 3% holder rewards and 0.95% to pump.fun; the rewards are in ORE and pump.fun pays holders in rounds, with nothing to claim.
Where the 3% on each $ARMORED trade goes.

$ARMORED as the example

$ARMORED is paired with ORE, which makes it a custom pair in pump.fun's docs. Custom-pair coins can have their own creator fee rate.[4] The coin's account on Solana shows Holder Rewards switched on, a creator fee of 300 basis points, which is 3%, and ORE as the pair token.[5]

We also read two $ARMORED trades on Solana on 1 October 2026, one buy and one sell. On both, 3% of the ORE side went to the holder-rewards account and 0.95% to pump.fun's fee accounts. So a trade on the curve costs 3.95% in fees in total.

Who gets what on a $ARMORED trade on pump.fun
Share of the tradeGoes toPaid in
3%$ARMORED holders, in roundsORE
0.95%pump.funORE
A fraction of a centSolana validatorsSOL

A worked example

Say people trade $10,000 of $ARMORED on pump.fun in a day. 3% of that is $300 worth of ORE for all holders together. If your share worked out at 1%, that would be something like $3 of ORE. These are round, made-up numbers, and pump.fun doesn't publish exactly how each holder's share is worked out.

The catches

  • Every trade costs more. The 3% that pays holders is paid by traders, including you when you buy and when you sell.
  • No trading, no rewards. Rewards come from fees, so a quiet coin pays very little.
  • The reward token has its own price. ORE can rise or fall while you hold it.
  • Rewards don't stop losses. A coin can lose far more in price than it pays in rewards.
  • Taxes. In many countries, rewards like these count as income when you receive them.

Questions people ask

What are pump.fun Holder Rewards?

A setting chosen when a coin is created. The creator fee on every trade goes to the coin's holders instead of its creator, paid in the coin's pair token.

Do I need to claim pump.fun holder rewards?

No. pump.fun pays them out. There is nothing for holders to sign or claim.

How often are pump.fun holder rewards paid?

pump.fun pays them in rounds. Its public docs don't publish a fixed schedule.

What does $ARMORED pay holders?

3% of every buy and sell on pump.fun, paid in ORE, the coin's pair token.

Can a creator turn holder rewards off?

No. pump.fun's docs say a Holder Rewards coin can never go back to being a regular coin.

Go deeper in our project communities

Sources

  1. pump.fun: Fees pump.fun/docs/fees
  2. pump.fun public docs: Holder rewards coins github.com/pump-fun/pump-public-docs/blob/main/docs/HOLDER_REWARDS_README.md
  3. pump.fun: Holder rewards pump.fun/holder-rewards
  4. pump.fun public docs: Coin creation and quote tokens github.com/pump-fun/pump-public-docs/blob/main/docs/instructions/COIN_CREATION.md
  5. Solscan: $ARMORED's pump.fun bonding-curve account (holder rewards, 3%, ORE pair) solscan.io/account/HC3F6FwngZiP1qqSbFncrAAa8MxJYgYgLsE34mN8AdvU

Checked on 2 Oct 2026. Projects change their fees and features; the linked pages are the source of truth.

StonkBuilder Community writes independent, educational guides. We are not affiliated with, endorsed or sponsored by the projects we cover; names and trademarks belong to their owners. Nothing here is financial, investment or legal advice. Crypto prices are volatile and you can lose money.