> ## Documentation Index
> Fetch the complete documentation index at: https://docs.onlyvibe.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Payments FAQ

> Frequently asked questions about USD wallet, purchases, earnings, withdrawals, and the OVIBE token

<AccordionGroup>
  <Accordion title="How does the in-app wallet work?">
    The in-app wallet uses USD. Fans add funds in dollars, spend on subscriptions, tips, content unlocks, and AI services. Creators earn 80% of every subscription, tip, and content unlock in USD. See [Token & Wallet Overview](/token/overview) for details.
  </Accordion>

  <Accordion title="How do I add funds to my wallet?">
    Go to your wallet and add funds using credit card, Apple Pay, Google Pay, or crypto. Your USD balance updates immediately and you can start spending right away.
  </Accordion>

  <Accordion title="How much does each interaction cost?">
    Chat and DM messages are free for all users. Paid interactions (see [Pricing](/token/pricing) for details):

    | Interaction      | Cost                  |
    | ---------------- | --------------------- |
    | Image generation | \$0.05                |
    | Video generation | \$0.25                |
    | Voice message    | \$0.08                |
    | Subscriptions    | Set by creator        |
    | Tips             | Set by fan or creator |
    | Content unlocks  | Set by creator        |
  </Accordion>

  <Accordion title="What is the minimum withdrawal amount?">
    The minimum withdrawal is **\$1.00**. There is no withdrawal fee. Withdrawals are processed within 48 hours. See [Cashing Out](/token/withdrawals) for the full process.
  </Accordion>

  <Accordion title="How long do withdrawals take?">
    Withdrawals are processed within **48 hours** from the time of request. Most complete well within that window. Withdrawals are reviewed and processed in batches. You'll receive a notification when your payout is completed.
  </Accordion>

  <Accordion title="What are the revenue splits?">
    Same as OnlyFans — **80% creator, 20% platform**. Every creator gets the same 80/20 split from day one on subscriptions, tips, and content unlocks. 20% of the platform's fee goes to weekly [buyback-and-burn](/token/buyback-burn) of the on-chain OVIBE token.

    AI services (image generation, video generation, voice messages) are platform services that fans pay for directly.

    See [All Ways to Earn](/token/earning) for the complete breakdown.
  </Accordion>

  <Accordion title="Do I earn money for free?">
    Yes — you earn **\$0.25** for every new user who signs up with your referral code. This is available to all users, not just creators.
  </Accordion>

  <Accordion title="What is the affiliate program?">
    The affiliate program pays you **20% commission** on every purchase made by users you refer. It uses a 30-day cookie for attribution. The minimum affiliate payout is $10 USD. This is separate from the referral signup bonus ($0.25) — you earn both when someone signs up through your link and later adds funds. See [Affiliate Program](/growth/affiliate-program) for details.
  </Accordion>

  <Accordion title="Can I cancel a pending withdrawal?">
    Yes, as long as the withdrawal is still in "Pending" status. Once processing begins, it cannot be reversed. Check your withdrawal status in **Payouts > Withdrawal History** or **Earnings > Withdrawal History**.
  </Accordion>

  <Accordion title="What happens if a withdrawal fails?">
    If a withdrawal fails, the full amount is returned to your onlyvibe balance immediately. You can retry right away. Failed withdrawals do not incur any fee.
  </Accordion>

  <Accordion title="What is OVIBE and how is it different from my wallet?">
    OVIBE is a separate on-chain Solana SPL token — it is not used for in-app purchases. Your in-app wallet uses USD. Platform revenue (in USD) funds a weekly buyback-and-burn of OVIBE, making it deflationary over time. See [Buying OVIBE](/token/buying) to learn about the on-chain token and [Buyback & Burn](/token/buyback-burn) for the burn mechanism.
  </Accordion>
</AccordionGroup>

<script
  type="application/ld+json"
  dangerouslySetInnerHTML={{
__html: JSON.stringify({
  '@context': 'https://schema.org',
  '@type': 'FAQPage',
  mainEntity: [
    {
      '@type': 'Question',
      name: 'How does the in-app wallet work?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'The in-app wallet uses USD. Fans add funds in dollars, then spend on subscriptions, tips, content unlocks, and AI services. Creators earn 80% of every subscription, tip, and content unlock in USD.',
      },
    },
    {
      '@type': 'Question',
      name: 'How do I add funds to my wallet?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'Go to your wallet and add funds using credit card, Apple Pay, Google Pay, or crypto. Your USD balance updates immediately and you can start spending right away.',
      },
    },
    {
      '@type': 'Question',
      name: 'How much does each interaction cost?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'Chat and DM messages are free for all users. Image generation costs $0.05, video generation $0.25, and a voice message $0.08. Subscriptions are set by the creator, tips are set by the fan or creator, and content unlocks are set by the creator.',
      },
    },
    {
      '@type': 'Question',
      name: 'What is the minimum withdrawal amount?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'The minimum withdrawal is $1.00. There is no withdrawal fee. Withdrawals are processed within 48 hours.',
      },
    },
    {
      '@type': 'Question',
      name: 'How long do withdrawals take?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'Withdrawals are processed within 48 hours from the time of request. Most complete well within that window. Withdrawals are reviewed and processed in batches, and you receive a notification when your payout is completed.',
      },
    },
    {
      '@type': 'Question',
      name: 'What are the revenue splits?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: '80% creator, 20% platform. Every creator gets the same 80/20 split from day one on subscriptions, tips, and content unlocks. 20% of the platform fee feeds the weekly buyback-and-burn of the on-chain OVIBE token. AI services (image generation, video generation, voice messages) are platform services that fans pay for directly.',
      },
    },
    {
      '@type': 'Question',
      name: 'Do I earn money for free?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'Yes — you earn $0.25 for every new user who signs up with your referral code. This is available to all users, not just creators.',
      },
    },
    {
      '@type': 'Question',
      name: 'What is the affiliate program?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'The affiliate program pays you 20% commission on every purchase made by users you refer. It uses a 30-day cookie for attribution. The minimum affiliate payout is $10 USD. This is separate from the $0.25 referral signup bonus — you earn both when someone signs up through your link and later adds funds.',
      },
    },
    {
      '@type': 'Question',
      name: 'Can I cancel a pending withdrawal?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'Yes, as long as the withdrawal is still in Pending status. Once processing begins, it cannot be reversed. Check your withdrawal status in Payouts > Withdrawal History or Earnings > Withdrawal History.',
      },
    },
    {
      '@type': 'Question',
      name: 'What happens if a withdrawal fails?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'If a withdrawal fails, the full amount is returned to your onlyvibe balance immediately. You can retry right away. Failed withdrawals do not incur any fee.',
      },
    },
    {
      '@type': 'Question',
      name: 'What is OVIBE and how is it different from my wallet?',
      acceptedAnswer: {
        '@type': 'Answer',
        text: 'OVIBE is a separate on-chain Solana SPL token — it is not used for in-app purchases. Your in-app wallet uses USD. Platform revenue (in USD) funds a weekly buyback-and-burn of OVIBE, making it deflationary over time.',
      },
    },
  ],
}),
}}
/>