Njord is programmable USDC payment rails on Solana: a funded escrow that pays out per verified action, settled by a smart contract in roughly three seconds — no invoice, no middleman, no human approving each transfer. It powers affiliate marketing today, and it is exactly the pay-per-action leg the agent economy needs.
Settlement
~3 s
commission to wallet
Protocol fee
2.5%
of commission paid
Bridge fee
1%
to fiat operator
Tx cost
~$0.00025
per attribution
Why Njord
When a conversion is recorded, the on-chain escrow releases the affiliate commission in roughly three seconds. The whole industry standard of 30-to-90-day payment terms collapses into the time it takes a Solana slot to confirm.
Traditional affiliate networks skim 15–30% off every commission. Njord charges 2.5% to the protocol and 1% to the bridge operator who handled the payment rail. Transaction costs round to roughly $0.00025 per attribution on Solana.
Campaigns, conversions, escrow balances, and payouts are all on-chain accounts you can inspect, replay, and audit. The affiliate does not have to trust the company; the company does not have to trust the network.
Customers pay with cards via bridge operators. Companies fund campaigns in USDC or SOL. Affiliates receive USDC directly, or withdraw to a bank through the same bridge. The chain stays underneath; the UX stays normal.
Suspicious conversions enter a challenge window. Bad actors stake against their reputation; verifiers earn for catching them. Honest participants build a tier — New, Verified, Trusted, Elite — that shortens their hold period over time.
The protocol is Anchor-based on Solana with a TypeScript SDK, React hooks, a bridge-operator SDK, and a GraphQL indexer. Devnet is live; the program ID is published; the source is on GitHub.
Strip Njord to its core and you get escrow plus a verified action plus automatic settlement — the exact payment leg autonomous agents need. Today it settles human conversions; the same @njord/sdk lets a backend or agent record an action and trigger a USDC payout against a pre-funded budget it cannot overspend. A programmatic pay-per-action API and an x402 / HTTP-402 adapter are on the roadmap.
How it works
01
Company defines budget, commission model (percentage, flat, or tiered), the target action, and minimum affiliate tier.
02
USDC or SOL is deposited into a campaign-scoped on-chain escrow. Funds stay locked until distributed or campaign ends.
03
Affiliate picks campaigns, gets a unique affiliate ID, and generates tracking links (URL parameter, short link, coupon, or SDK embed).
04
Customer clicks the affiliate link and completes the target action through a bridge or directly. No wallet required for the customer.
05
The bridge operator (or company SDK) submits the conversion event on-chain. The contract validates campaign, affiliate, and escrow balance.
06
Smart contract subtracts the 2.5% protocol fee and the 1% bridge fee, then releases the remainder from escrow to the affiliate wallet.
07
Affiliate sees USDC arrive in roughly three seconds. Elite-tier affiliates skip the hold period; lower tiers wait 24h–7d.
08
Every step is on-chain. Re-derive the campaign state from public accounts; nothing is hidden in a vendor dashboard.
Who builds on Njord
Pay only for verified conversions. On-chain escrow protects your budget. Stake NJORD for up to 50% fee discounts. Pause, withdraw remaining funds, or challenge suspicious conversions at any time.
Run a campaign →Browse open campaigns, get a unique tracking link, and earn in seconds. Build a reputation tier to shrink your hold period from 7 days down to real-time. No middleman holds your payout.
Earn as an affiliate →Run the fiat rails. Earn the 1% bridge fee on every transaction you process, plus staking yield in higher tiers (Bronze, Silver, Gold, Platinum). Docker-deployable bridge SDK, region-agnostic.
Run a bridge →Integration
Pick the package that matches the role you're building for. Each wraps the on-chain program with idiomatic surfaces.
@njord/sdk Core TypeScript SDK for direct protocol interaction. Use this from backends, scripts, and indexers.
@njord/react React hooks and components for frontends. Connect wallets, browse campaigns, render attribution flows.
@njord/bridge-sdk For bridge operators. Standardised attribution submission, fee accounting, and Docker-friendly deploy patterns.
@njord/indexer Event indexer with a GraphQL API over campaigns, conversions, payouts, and affiliate tiers.
Fund → attribute → settle
import { NjordClient } from '@njord/sdk';
// Fund a campaign into on-chain escrow
const client = new NjordClient({ cluster: 'devnet', wallet });
const campaign = await client.createCampaign({
budget: 5_000, // USDC into escrow
commission: { type: 'percentage', rate: 0.15 },
attribution: 'last-click',
});
// Hand an affiliate a tracking link
const link = client.trackingLink(campaign.id, affiliateId);
// On conversion, escrow releases the commission in ~3s
const payout = await client.submitAttribution({
campaign: campaign.id, affiliate: affiliateId, amount: 240,
});
// payout.net = 240 − 2.5% protocol − 1% bridge → affiliate walletGet the source
# Clone and build
git clone https://github.com/cryptuon/njord.git
cd njord && pnpm install && pnpm build
# Live on Solana devnet
program: Hm5WfS2KL4UPaUqVJ3vadCuPMCftw2oybqvpDr7fn9Hv
cluster: devnet (mainnet pending)Honest comparisons
We benchmark against the rails affiliate-marketing, per-click, and per-action monetisation teams actually use — including the agent-payment paywalls (L402, x402) built for the same job. Pick what fits; switch when the math changes.
Card rails plus a partner plugin like Rewardful or PartnerStack. Mature, fiat-native, monthly invoiced — and opaque-by-design for the affiliate.
Industry-standard affiliate networks. Polished publisher tooling, broad merchant catalogue, and 30–90 day payout cycles with 15–30% network cuts.
A different on-chain answer — Lightning + LSAT macaroons for per-request paywalls. Great for inference billing; not built for multi-party attribution.
The agentic-payments standard for per-request stablecoin charges between agents and services. Njord adds the funded, multi-party escrow layer a bare payment wire lacks.
FAQ
Solana. The on-chain programs are Anchor-based. The devnet program ID is Hm5WfS2KL4UPaUqVJ3vadCuPMCftw2oybqvpDr7fn9Hv. Mainnet deployment is pending.
It is the sum of bridge confirmation (~2s) plus an attribution submitted to Solana plus the slot confirmation that releases escrow. On devnet the budget breaks down as roughly T+2s for the bridge, T+2.5s for the attribution write, T+3s for confirmation and payout.
A flat 0.1 SOL campaign-creation fee to the treasury, 2.5% protocol fee on commissions paid, and 1% bridge fee on commissions paid. Staking 5,000 NJORD removes 10% of the protocol fee; 25,000 NJORD removes 25%; 100,000 NJORD removes 50%.
Two layers. First, automated scoring flags self-referrals, bot traffic, and duplicate conversions before payout. Second, an on-chain challenge window lets verifiers contest suspect attributions and earn from slashed stake when they win. Affiliate tiers gate access to premium campaigns.
No. The bridge path lets affiliates earn through a fiat-front-end and withdraw to a bank in local currency. Crypto-native affiliates connect a Solana wallet (Phantom, Solflare, Backpack) and receive USDC directly.
The building blocks are there today. Njord is escrow plus a verified action plus automatic USDC settlement — the same primitive an AI agent needs to pay per call or per result against a pre-funded budget it cannot overspend. Any backend or agent can already record an action via @njord/sdk and trigger a payout. A dedicated pay-per-action API and an x402 / HTTP-402 adapter are on the roadmap, not yet shipped.
x402 is a two-party pattern: a client pays a server per request. Njord adds a funded, multi-party escrow — one budget can pay many earners (or agents) per verified action, with fee splitting and a public audit trail built in. The two are complementary; a 402 response could settle against a Njord escrow.
The protocol is deployed on Solana devnet today; the program ID is public and explorable. Mainnet is pending an audit. SDKs and the indexer are open-source in the GitHub workspace. Treat this as a working public testnet rather than a battle-tested mainnet system.
Njord is the Norse god of seafarers and prosperity at sea — the patron of fair returns on voyages. The protocol routes value back to the people who actually made the journey: the affiliate who sent the customer, not the network in the middle.
Explore Njord
Every section of the docs, one hop away — the full feature surface, real-world use cases, and the reasoning behind the design.
Escrow, settlement, four tracking methods, reputation tiers, and the full developer surface.
The architecture, the Anchor programs, the four packages, and the seven-step escrow lifecycle.
Install the SDK and settle a devnet conversion end-to-end in under an hour.
The NJORD 1B-supply SPL token — distribution, fee splits, staking tiers, and governance.
The design choices, why Solana, and the affiliate-tier and bridge-operator markets.
Is it live, what it costs, how settlement is timed, how fraud is handled, and governance.
Protocol notes, the fee-model math, and deep-dives on settlement and bridge economics.
Where instant, verifiable payout changes the economics — across four concrete audiences.
Reach the team about integrations, bridges, and partnerships.
Use cases in detail
Settle partner commissions on the conversion, not the billing cycle.
Commissions in a creator or devrel wallet the same day.
A per-call settlement leg for the 2026 agent economy.
Run the card-and-bank rails and earn 1% on volume.
Clone the repo, deploy on devnet, and run a campaign in under an hour. The docs walk through campaign creation, bridge integration, and the SDK in detail.