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DYNK is a decentralised utility token and non-custodial wallet built on the Solana blockchain, engineered to settle transactions for a flat fee of around $0.01 in roughly 400 milliseconds.

Our mission is to close the gap between everyday users and the real-world utility of blockchain — making crypto as simple and intuitive as a modern banking app. At the heart of the wallet is an on-device AI agent that helps guide users who are new to crypto.

A token is a digital asset that lives on a blockchain. DYNK is a utility token — meaning it exists to power the functions of the DYNK network: settling payments, paying for the in-app shop, referral rewards, cashback, governance, and agentic payments.

A utility token derives its value from this functional role. It does not represent ownership, equity, dividends, or a profit-share, and holding DYNK is not an investment in any company.

An NFT (Non-Fungible Token) is a unique digital token recorded on a blockchain. Unlike ordinary tokens, where every unit is identical and interchangeable, each NFT is one-of-a-kind and can be used to prove authenticity and ownership of a specific item.

NFTs were originally created to prove ownership of digital art and collectibles. DYNK repurposes that same proof-of-ownership mechanism for finance through NFT-backed wallets — see the question below.

A key innovation of DYNK is that a wallet itself can be represented by an NFT. Ownership of the wallet — and everything held inside it — is tied to that token.

This means a holder can list their wallet-NFT for sale or auction directly through the DYNK platform, transferring the wallet and all of its underlying assets to the buyer in a single transaction. It turns a wallet from a static container into a tradable asset in its own right.

A non-custodial wallet means you alone hold the keys that control your funds. DYNK generates these keys on your own device and stores them in its secure hardware — they are never transmitted to, or held by, DYNK, and every transaction is signed by you.

This is the opposite of a bank or a centralised exchange, where a third party holds your money on your behalf and can freeze accounts, reverse transfers, or impose limits. With a non-custodial wallet, DYNK can never freeze, seize, or move your balance — ownership is simply a property of holding the keys.

Both are ways of protecting and restoring access to your wallet — but they work very differently.

Seed phrase — the traditional crypto model. Your wallet is secured by a list of 12–24 random words. Whoever holds those words controls the wallet. There is no reset, no support line, and no back-up: if you lose the phrase, the wallet is gone forever, and if someone else sees it, they can take everything.

Social recovery — DYNK's recommended model. Instead of a secret phrase, you restore your wallet using credentials you already have and trust, such as signing in with your Google or Apple account. The same account always resolves to the same wallet, so if you lose or change your device, you simply reinstall DYNK, sign in again, and your wallet is restored automatically.

Social recovery mirrors the familiar login flows of the world's most-used apps, removing the complexity and catastrophic risk of seed phrases while keeping the wallet fully non-custodial.

When you sign in through Google or Apple, your provider returns a verified ID token. Once that token is validated, the same social account consistently resolves to the same wallet — creating one for a new user, or restoring it for a returning one.

DYNK also offers a custom server-recovery option that works identically but anchors your wallet to a stable internal identifier issued by DYNK's own backend rather than an external provider.

In both cases, DYNK never holds your private keys. If your device is lost, fails, or is reinstalled, you simply install DYNK on a new device, sign in with the same account, and access to your original wallet is restored automatically.

It depends entirely on which recovery method you chose when setting up your wallet.

If you use social recovery (recommended), you can always regain access by signing in again with the same Google or Apple account you set up — even on a brand-new device.

This is why we strongly recommend social recovery for most users. It keeps your wallet fully in your control while removing the single biggest risk in crypto: permanently losing access.

DYNK provides a seed phrase option for experienced users who prefer the traditional self-custody model and want to manage their own keys directly.

However, we strongly recommend that most users choose one of our two wallet-recovery mechanisms — social recovery or server recovery — as they offer the same non-custodial ownership without the risk of permanently losing your wallet.

A cold wallet stores your private keys entirely offline, isolated from any internet-connected device. Tangem is a hardware cold wallet in the form of a simple NFC-enabled card — no USB stick or app required.

Embedded in the card is a certified, tamper-resistant secure-element chip (the same class used in bank cards and passports). Your keys are generated on the chip and never leave it. To authorise a transaction, you simply tap the card to your phone — it signs internally while the keys stay sealed inside.

All 2,100 Founder NFT wallets come with a Tangem card included, and the cards will also be purchasable in-app for all users.

The DYNK token and its network logic are governed entirely by immutable smart contracts on Solana — meaning no party, including DYNK, can alter the token's parameters after deployment. Each contract is published on-chain and independently verifiable.

Prior to mainnet release, every contract undergoes independent third-party security auditing, and the app and supporting infrastructure are penetration-tested by qualified external firms.

DYNK's foundation is built on 2,100 Founder Wallets — the network's first members and the community from which distribution to the wider user base begins.

These are not a free team reserve or an insider grant. Every Founder Wallet is acquired at full value, at or above the pre-distribution floor of US$1.00 per DYNK, so the founding allocation represents committed capital paid into the network rather than supply taken from later participants.

Every Founder wallet purchase includes:

• DYNK tokens
• An exclusive NFT wallet
• A Tangem cold wallet card
• Governance rights (10,000 DYNK eligibility)
• An equal share in transaction fees (10,000 DYNK eligibility)
• An extended referral relationship (10,000 DYNK eligibility)

Entry is structured in two tiers within a single founding community:

• 800 wallets each holding 10,000 DYNK, acquired at a minimum of $10,000.
• 1,300 wallets holding between 1,000 and 6,500 DYNK, acquired at the prevailing market price at the time of issuance.

Wallets that enter below the 10,000-DYNK threshold must reach 10,000 DYNK to unlock full eligibility (governance, fee share, and extended referrals). You can top up at any time — by purchasing more DYNK or by accumulating it through referral and engagement rewards. Until a wallet reaches 10,000 DYNK, the NFT isn't activated.

Participants who hold and maintain a qualifying 10,000 DYNK and an associated Founder NFT wallet gain access to a share of the transaction fees generated across the platform, distributed proportionally to how many eligible NFTs they own.

This runs through a smart-contract-automated mechanism in which assets remain entirely within user-controlled Solana wallets at all times. Of all transaction fees on the network: 1% covers gas, 75% goes to the eligible treasury, and 24% funds the NKI agent ecosystem.

Every wallet holder is assigned a unique referral code. When a new user is onboarded with that code, the referrer is rewarded in DYNK. It's the network's primary growth engine — designed to grow through the community rather than paid advertising.

Referral eligibility depends on a wallet maintaining its DYNK holdings throughout the distribution phase. Selling DYNK before the initial network distribution is complete reduces a wallet's potential rewards by 50%. Founder NFT holders can additionally earn a share on Founder-wallet referrals during early distribution.

The NKI agent is a local intelligence layer that runs entirely on your own device, turning a passive wallet into an active financial interface while keeping you in full control of your data.

Because it's powered by an on-device large language model, sensitive information is processed locally and never sent to external servers or centralised AI providers. You can manage your finances through natural language — asking questions, getting guidance, and executing actions like sending funds or completing payments, all within predefined permissions and safeguards.

The DYNK card is a white-label Visa card that lets you spend your DYNK balance directly at the tens of millions of merchants that accept Visa worldwide, online and in person.

You send DYNK to your in-app Visa wallet, and at the point of sale the required amount is converted to fiat in real time and settled instantly — backed by a dedicated network liquidity pool, so the experience feels just like using any normal payment card. Card spending also earns cashback denominated in DYNK.

Every DYNK-to-DYNK transaction settles for a flat fee of $0.01, regardless of the amount, distance, or borders crossed — compared with the 1.5–3% typical of card payments and over 6% on cross-border remittances.

Settlement is effectively instant. Built on Solana's proof-of-stake blockchain, DYNK settles value directly on-chain in around 400 milliseconds, without the multi-day clearing delays of legacy rails.

DYNK has a fixed, hard-capped supply of 21,000,000 tokens, enforced by an immutable smart contract. The supply is fixed at genesis and cannot be minted or increased by any party — including DYNK itself.

You can find the full breakdown of supply allocation and tokenomics in our whitepaper.

No. DYNK is designed and intended to function as a utility token — it provides access to the functions of the network (settlement, in-app swaps, governance, commerce, and agentic payments) and is acquired for use within the network, not for a passive return.

Holding DYNK does not confer ownership, equity, dividends, revenue-share, or profit-sharing rights, and no returns or yield are promised or implied. This support page and our whitepaper are educational only and do not constitute financial advice or an offer to buy or sell. Please seek your own independent legal, tax, and financial advice before acquiring or transacting in any digital asset.

DYNK is an SPL token deployed on the Solana blockchain (Mainnet-Beta). The SPL standard is Solana's native equivalent of Ethereum's ERC-20, giving full compatibility with the Solana ecosystem — wallets, decentralised exchanges, liquidity pools, and DeFi protocols.

Solana was chosen for its high throughput (65,000+ transactions per second), sub-cent fees, and fast settlement, which together make everyday payments practical at scale.