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BAGHOLDER is a software automation tool that rounds up your everyday purchases and uses the spare change to buy cryptocurrency. You can also set up recurring DCA purchases on a weekly or monthly schedule. All tokens go directly to your own non-custodial wallet.
No. BAGHOLDER is a software tool that orchestrates on-chain swaps on your behalf using your own wallet. We never hold, route, or process your funds. All transactions are signed and submitted by your Privy embedded wallet.
Round-ups have a 10% platform fee (e.g., $10 purchase = $9 crypto + $1 fee). DCA recurring purchases have a 5% fee (minimum $0.50) per execution. Network gas fees (which vary by chain) are covered by BAGHOLDER. There are no subscriptions, hidden fees, or spread markups.
Solana network accounts: Solana requires a one-time account setup of 0.002 SOL for each new token you hold. This is a Solana network requirement, not a BAGHOLDER fee. It is deducted from your purchase amount and only applies to your first purchase of each token.
Tokens are automatically curated based on market capitalization, trading volume, and on-chain liquidity. This is an automated process — BAGHOLDER does not evaluate, endorse, or recommend any token. Tokens may be added or removed at any time based on liquidity changes.
Solana bags may have a higher purchase minimum than other chains due to one-time network account setup costs (0.002 SOL per new token). The minimum adjusts automatically based on the number of tokens in your bag and the current SOL price. After your first purchase, the accounts exist permanently and the minimum returns to normal.
BAGHOLDER uses Stripe Financial Connections to link your bank account with read-only access. We can see transaction amounts and merchant names to calculate round-ups, but we never receive your account numbers or login credentials.
All tokens are stored in your own Privy embedded wallet on supported blockchain networks. Your wallet uses multi-party computation (MPC) — key shards are split between your device and Privy infrastructure. BAGHOLDER never has access to your private keys.
Yes. You can pause or stop all automated purchases at any time from Settings. You can also adjust your daily purchase limit, round-up rules, and DCA schedules.
BAGHOLDER supports 6 blockchain networks: Base, Optimism, Arbitrum, Polygon, Avalanche, and Solana. Your wallet is automatically created on all supported chains when you sign up. Each bag is on one chain — choose the chain that has the tokens you want.
EVM chains (Base, Optimism, Arbitrum, Polygon, Avalanche) use a 3-DEX fallback system (Aerodrome CL → Uniswap V3 → Aerodrome V2) to find the best price. Solana uses the Jupiter aggregator, which routes across all major Solana DEXes (Orca, Raydium, Meteora, and more) in a single transaction. Hundreds of tokens are available across all chains, automatically curated for liquidity.
BAGHOLDER is available in 45 U.S. states and the District of Columbia. It is currently not available in New York, Hawaii, Connecticut, Louisiana, or Vermont due to state-specific regulatory requirements.
BAGHOLDER sends local notifications from your device — no data leaves your phone. You'll get reminders when your round-ups are nearing the purchase threshold and when a recurring buy is due. On Android, a background check runs every 12 hours to fetch new transactions and notify you if the threshold is met. You can toggle round-up and DCA reminders independently, and choose your preferred reminder time, in Settings.
Your data is automatically backed up in encrypted form after every purchase. When you sign in on a new device, your wallet recovers through your login provider (Google, Apple, or email) and your purchase history, bags, schedules, and settings are restored automatically. The backup is encrypted with a key only your wallet can produce — we cannot read your data.
Go to Settings in the app and tap "Delete Account." This permanently erases all local data, revokes Stripe bank access, and disconnects your Privy session. Any tokens already in your wallet remain yours — we cannot access or remove them.
If your payment succeeds but the token swaps fail (due to network congestion, temporary liquidity issues, etc.), the USDC stays safely in your wallet. The next time you open the app, BAGHOLDER will automatically retry the failed swaps — no new bank charge is needed. If individual tokens fail while others succeed, only the failed tokens are retried. Your funds are never lost.
If multiple bags on the same blockchain are due, BAGHOLDER combines them into a single payment session so you only confirm once. Bags on different chains require separate payment confirmations (one per chain). If you decline a payment, any remaining bags are deferred to the next time you open the app — their schedules are not affected.
Yes. All round-up and DCA purchases share the same daily limit (default $25, adjustable up to $200). If multiple recurring buys are scheduled on the same day and exceed your limit, some may be reduced or deferred. The app warns you during DCA setup if your same-day schedules would exceed your limit and offers to increase it.
Yes. Tap the share icon on any bag to generate a shareable link. Recipients can view your bag's token mix and duplicate it into their own account with one tap. No personal information or purchase history is included in the shared link. Copies are fully independent — changes to the original do not affect duplicates.
If a token in your bag becomes illiquid on decentralized exchanges, BAGHOLDER will remove it from your automated buy rotation and notify you to review and adjust your remaining allocations. We will NOT automatically sell any crypto you already own, as selling may create a taxable event.