Infrastructure credit securing and coordinating a global decentralized PayFi network.
BNKTO is a fixed-supply infrastructure credit powering the Bankto Network—a decentralized physical financial infrastructure (DePIN) composed of interconnected crypto ATMs, PayFi digital kiosks, brokerage routing nodes, and merchant settlement rails.
Structural. Engineered. Locked. Infrastructure-tied.
Fixed Supply
Locked by Year 5
Yield Promise
ATMs by Year 5
Follow these steps to safely acquire BNKTO through approved platforms.
Use a reputable self-custodial wallet (MetaMask, Phantom, etc.) that you control.
Visit approved platforms like Pump.fun to access BNKTO.
Always verify the official BNKTO contract address before transacting.
Confirm you're on the correct blockchain network before acquiring.
Bankto will never DM you, guarantee pricing, offer private sales, or request funds. Be cautious of unsolicited offers. Always verify information through official channels.
BNKTO is a fixed-supply infrastructure credit powering the Bankto Network. It is designed to be used as operational infrastructure credit that secures, coordinates, and aligns participants across a real-world financial network.
Structural. Engineered. Locked. Infrastructure-tied.
All ATM operators must bond 50,000 BNKTO per ATM (or $10,000-$50,000 USD equivalent) to operate on the network. Performance-based discounts up to 20% earned over time based on uptime, transaction volume, loyalty, and network growth. Creates guaranteed demand tied to network growth.
BNKTO holders participate in network governance, treasury coordination, and long-term ecosystem alignment. Fixed supply ensures structural scarcity tied to network growth and operator demand.
ATM operators bond 50,000 BNKTO per machine for 36 months minimum. Bonding is slashable, locked, and machine-bound. Creates guaranteed demand tied directly to network deployment. Operators earn transaction fees from PayFi settlement, not token rewards.
BNKTO holders gain access to Bankto's PayFi rails, settlement systems, ATM network tooling, and approved ecosystem programs.
BNKTO powers a closed-loop system where operator bonding creates demand, operations drive utility, rewards incentivize participation, and network growth strengthens token value.
Operators lock BNKTO tokens to deploy and operate ATMs. Bonding requirements create predictable demand and reduce circulating supply.
Bonded tokens power the ATM network infrastructure, enabling instant settlements and global liquidity across the PayFi ecosystem.
Operators earn 22% APY on bonded tokens based on performance metrics (uptime, growth, loyalty). Rewards strengthen long-term token demand.
Token holders participate in the ecosystem through staking, bonding, and community engagement. No governance voting rights.
BNKTO tokens flow through a closed-loop system: operators bond tokens to deploy ATMs, bonded tokens power network operations, operators earn rewards on their bonds, and the ecosystem grows through network participation. This creates sustainable token demand and long-term value appreciation.
50,000
BNKTO per ATM
22%
Bonded APY
60-80%
Supply Locked (Year 5)
1B
Fixed Supply
Every ATM deployed on the BANKTO network requires a mandatory 50,000 BNKTO operational bond (or $10,000-$50,000 USD equivalent). This creates predictable, non-discretionary token demand that scales directly with network growth. By Year 5 with 12,000 ATMs, 600M BNKTO (60% of supply) will be locked in operational bonds, creating extreme scarcity.
Independent operators deploy ATMs under their own brand with full Bankto infrastructure support. Each ATM requires a 50,000 BNKTO bond (or $10,000-$50,000 USD equivalent), creating consistent token demand as the network scales.
Bonding Requirement
50,000 BNKTO per ATM
USD Corridor: $10,000-$50,000 • Refundable upon decommissioning in good standing
All operators start with the base 50,000 BNKTO bonding requirement. Earn performance-based discounts up to 20% through demonstrated excellence in uptime, transaction volume, network growth, and loyalty.
Discount Structure
Up to 20% Discount
Earned through performance metrics and network contribution
Strategic partnerships with banks and financial institutions for large-scale deployments. Same 50,000 BNKTO base bonding requirement per ATM with dedicated support and custom terms negotiated post-NDA.
Bonding Requirement
50,000 BNKTO per ATM
Consistent with all operators • Custom terms available
Calculate your rewards with 22% APY compounding over 36 months
Initial Bond
250,000
5 ATMs × 50,000 BNKTO
Lock Period
36 Months
Fixed term with 22% APY
Avg. Monthly Earnings
6,412
BNKTO per month (compounding)
Total After 36 Months
480,816
+230,816 BNKTO earned (92.3% total return)
Performance-Based: Actual APY depends on ATM performance metrics including uptime, transaction volume, and network growth. Rewards compound monthly for maximum returns.
Partnership Commercial Terms: Detailed operator economics, costs, and deal structures are provided after NDA execution and partnership application approval.
Staking Rewards up to 22% APY
Flexible lock-in periods allow token holders to earn rewards based on commitment length. No operational requirements—simply stake and earn.
Lock-in Periods
Passive Income: No operational requirements. Choose your commitment period and earn rewards automatically.
Operator Bonding (22% APY)
ATM operators bond 50,000 BNKTO per ATM (or $10,000-$50,000 USD equivalent) for 36 months minimum. Earn 22% APY based on performance metrics with monthly compounding.
Requirements
Active Infrastructure: Requires ATM operation. Higher rewards for network commitment and performance.
| Feature | Time-Based Staking | Operator Bonding |
|---|---|---|
| Lock-in Period | Flexible (3-36 months) | Fixed (36 months) |
| APY Range | 4-22% (period-based) | 22% (performance-based) |
| Minimum Amount | Any amount | 50,000 BNKTO per ATM |
| Compounding | Optional | Monthly automatic |
| Requirements | None (passive) | ATM operation (active) |
| Best For | Token holders seeking passive income | ATM operators building infrastructure |
Year 1 (2026)
$50M
270 ATMs, Launch Phase
Year 2 (2027)
$245M
945 ATMs, Growth Phase
Year 3 (2028)
$808M
2,625 ATMs, Market Leadership
| Year | ATMs | Operators | BNKTO Locked | % of Supply |
|---|---|---|---|---|
| 2026 | 1,500 | 160 | 75M | 7.5% |
| 2027 | 3,500 | 373 | 175M | 17.5% |
| 2028 | 6,000 | 640 | 300M | 30% |
| 2029 | 9,000 | 960 | 450M | 45% |
| 2030 | 12,000 | 1,280 | 600M | 60% |
Key Insight: By Year 5 (2030), 1,280 operators manage 12,000 ATMs with 600M BNKTO (60% of supply) locked in mandatory bonds. This creates extreme scarcity: only 400M tokens circulating, with predictable supply reduction as network grows.
BNKTO token holders do not have governance voting rights. BNKTO is a pure infrastructure utility token for operator bonding and network access.
BNKTO holders cannot vote on protocol upgrades, treasury allocation, fee structures, or any other governance matters. Protocol governance remains exclusively with Bankto institutional leadership.
BNKTO is not a governance token, security, or investment contract. Holding BNKTO does not confer ownership, voting rights, profit participation, or any financial entitlements.
Bronze Tier
3 Months - 4% APY
Silver Tier
6 Months - 8% APY
Example: 50K BNKTO (Silver)
4,000 BNKTO earned in 6 months
Best For:
Gold Tier
12 Months - 12% APY
Platinum Tier
24 Months - 16% APY
Example: 100K BNKTO (Gold)
12,000 BNKTO earned in 12 months
Best For:
Diamond Tier
36 Months - 22% APY
Maximum Returns
Highest APY Available
Example: 250K BNKTO (Diamond)
165,000 BNKTO earned in 36 months
Best For:
Establish market presence, recruit founding operators, prove business model
ATMs
270
Operators
122
Revenue
$3.75M
Valuation
$50M
Expand to 15+ countries, recruit 1,000+ operators, achieve profitability
ATMs
1,130
Operators
1,130
Revenue
$19.45M
Valuation
$262M
Expand to 30+ countries, deploy 2,600+ ATMs, establish market leadership
ATMs
2,625
Operators
2,625
Revenue
$59.85M
Valuation
$808M
Expand to 40+ countries, deploy 5,400+ ATMs, achieve unicorn status
ATMs
5,400
Operators
5,400
Revenue
$173.7M
Valuation
$2.345B
Expand to 50+ countries, deploy 9,700+ ATMs, achieve $4.9B-$7.3B valuation
ATMs
9,700
Operators
9,700
Revenue
$365.55M
Valuation
$4.9B-$7.3B
Achieve $10B+ valuation, 12,000+ ATMs, global PayFi leader
ATMs
12,000
Operators
12,000
Revenue
$510M
Valuation
$10.2B-$12.75B ✅
Learn more about BNKTO, the Hybrid Bonding Model, and how the PayFi ecosystem works.
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