White paper
Proof over promises.
A plain-language explanation of every HabitProofX feature, how it works, and what you get out of it.
The problem
Buying crypto still means handing an exchange your identity, your bank access and your coins. You wait for approval, you accept freeze risk, and you pay for the privilege.
The second problem is quieter: almost nobody buys consistently. People buy tops in bursts and stop entirely in drawdowns. The behaviour, not the venue, is what destroys most outcomes. Timing is a story. A schedule is a system.
What HabitProofX is
HabitProofX is a mass-adoption, cross-chain habit platform. You set a recurring fiat amount and cadence, pick any destination token on Ethereum, PulseChain, Solana, Base, Sui, or Robinhood, and each cycle you pay through the payment app you already use — Venmo, Zelle, Revolut, Cash App, Wise or Bank transfer.
A zero-knowledge proof — not a support agent — attests that the payment happened and releases the crypto to the token you chose. Those proofs are produced on the ProveX ramp we link to. ProveX is the settlement rail. HabitProofX is the habit, the record, the Streak Vault, and the optional HABIT token.
HabitProofX is built for mass adoption: the payment apps people already use, the tokens they actually want, a flat 1% anyone can understand, and a non-custodial flow that does not ask them to open an exchange account. Scale is a habit repeated, not a ticker chased.
DCA, mass adoption, and why habits win
Dollar-cost averaging is the long-standing practice of investing a fixed amount on a fixed cadence, so you are not betting the year on one click. Retirement contributions, pension flows, and scheduled brokerage buys are the same rule under other names — it is how ordinary capital actually enters markets. Professionals follow calendars and rebalancing rules; they do not wait for a perfect dip. Crypto’s volatility makes timing worse, not better. The investors who win the long game are the ones still buying through boredom and drawdowns.
A good DCA habit beats a brilliant prediction that never repeats. Lump-sum can look better on a spreadsheet if the cash is already sitting there and prices only rise. Most people do not have that cash, and they will not click buy in a crash. The strategy that ships is the one a person will still run in year five — same dollars, same day, any token, paid the way they already pay.
Mass adoption is not a Super Bowl ad. It is removing every step that only a crypto-native would tolerate. No new bank. No exchange onboarding. No guessing the fee. No pairing a second asset in a farm to “earn.” You pay the way you already pay, into the token you actually want, on a cadence you can keep. That is how dollar-cost averaging left the textbook and entered payroll systems — and it is the only way it reaches crypto at household scale.
What you get from staying on the habit is not a promised return. Crypto can fall. The edge is behavioral: you keep buying when headlines are loud and when they are quiet. Over a long horizon that stack of undistinguished purchases is how most people who end up with assets got them — not from a single perfect entry.
Escrow: why you are never exposed
The seller's crypto is locked in an on-chain escrow before you send a single cent. If they vanish afterwards, their disappearance costs you nothing — the funds are already out of their control.
No custodian holds your money at any point. There is no KYC queue, no pending review, and no account that can be frozen because a risk model disliked a transfer.
Zero-knowledge proof of payment
The proof attests that a payment of the right amount reached the right recipient. It does not reveal your bank, your balance, your contacts or your transaction history.
DCA destination is your choice per habit: any token on Ethereum, PulseChain, Solana, Base, or Sui, or a Robinhood-listed crypto. Paste a contract, mint, or coin type if it is not in the popular list. Settlement is non-custodial on-chain (or at the venue, for Robinhood). The Streak Vault is a separate product: stake any ERC-20 on a live vault chain.
Any token — DCA and stake
You are not limited to $PRVX. For each habit you pick a network and a token: search a ticker, paste a contract / mint / coin type, or pick from the popular list. Networks: Ethereum, PulseChain, Solana, Base, Sui, and Robinhood (listed crypto only).
Staking is permissionless for ERC-20s on a live vault chain. PulseChain is first. Ethereum and Base get the same vault bytecode when those addresses are pinned. Solana and Sui cannot use StreakVault.sol; those programs are not deployed. Robinhood holdings cannot be staked until you withdraw them to a chain.
Ramp fees fund the destination token’s isolated pool. If nobody has staked that token yet, fees sit undistributed in that pool until epoch-active stake appears. That closes the fake-token siphon that a global split would allow.
The habit engine
Your habit is a target amount, a cadence and a local streak grid. Confirmed cycles keep the reminder honest; a missed cycle breaks the local streak. A twelve-week grid makes consistency visible at a glance.
Local marks and self-attested on-chain confirmCycle heartbeats never change Streak Vault yield. Vault payouts are epoch-active staked ERC-20 only, in the destination token’s isolated pool. Habits generate fee volume when ramps actually settle; they do not multiply your share.
Fees and the Streak Vault
HabitProofX charges a flat 1% fee on ramp volume. Because ProveX already burns $PRVX on settlement, HabitProofX takes no burn slice of its own — 100% of its fee is swapped to stablecoins the moment it is collected.
The rate is simple on purpose. Every habit, every size, pays 1%. You keep 99%. Never higher, never lower. There is no taper and no volume discount to game.
Where stake sits: the ERC-20 leaves your wallet (MetaMask, Phantom, or a connected hardware wallet) and is held by the Streak Vault contract. The vault holds the tokens; your wallet holds the keys. Tokens are not frozen inside the wallet — an EOA cannot lock ERC-20s. Unstake sends the same token amount back. No admin can seize the vault. Cold-storage tokens that never sign a stake transaction do not earn vault yield.
There is no token allowlist. Stake any ERC-20 on PulseChain when the vault is live. Ethereum and Base use the same immutable bytecode once those addresses are pinned. Solana and Sui vault programs are not this contract and are not deployed. Robinhood is a brokerage — withdraw to a chain, then use Phantom or MetaMask. Native PLS must be wrapped to WPLS.
The vault is single-sided staking: you deposit one ERC-20 at a time. You never pair it with a second asset and you never provide AMM liquidity. Because there is no two-sided pool, there is no impermanent loss. Unstake returns the same token amount you deposited; yield is claimed separately as stablecoin. The token’s USD price can still move — that is market risk, not IL.
Fees are attributed to the destination token of the ramp. If you DCA into TOKEN-X, that epoch’s fee slice goes to epoch-active TOKEN-X stakers. A worthless token with no ramps earns nothing and cannot siphon another pool. Within a pool, your share is your epoch-active raw balance. New or increased stake earns from the next epoch only.
Yield is claimed with claim() — a separate transaction that pays stablecoins only. Unstaking is not required and must not be used to collect fees; unstake returns principal and pauses that token until the next epoch.
Nothing is ever minted. The rate is derived from revenue that already cleared — trailing four epochs annualised over staked value — so it rises with real usage instead of an emissions schedule. The vault is not live until a real address is pinned; deposits and claims fail closed until then. The 1% fee router (swap to stable, then notifyFee of the destination token) is not connected yet — live ramps do not yet credit the vault.
Claim pays stablecoin fees only. Your staked tokens stay in the vault. Unstake withdraws principal for that token and pauses it until the next epoch. You never unstake to collect yield.
Isolated destination-token pools, why a global split was rejected, claim vs unstake, single-sided stake, and zero IL: Destination-token fee pools. Streak Vault UI: /farm. Vault source review: HPX-VAULT-2026-08-21.
Why this is different
An exchange holds your funds, sees your bank and can freeze you. A P2P desk asks you to trust a stranger. HabitProofX asks you to trust a contract that has already locked the other side's crypto.
Unlike a two-sided LP farm, this vault does not ask you to match a pair or sit in an AMM. Single-sided stake, zero impermanent loss, claim stablecoin yield without unstaking. Unlike a farm that prints tokens, this vault pays only fee revenue that already settled. Being consistent as a ramper grows the pot; being epoch-active as a staker is what earns a share of it.
Honest trade-offs
At low volume the yield is small, because it is real. There is no subsidy pool and no runway to run out — the number you see is the fee revenue the product actually generated.
Habits are stored locally by default — privacy first, no account required. Vault identity is the connected wallet (msg.sender). Google/X sign-in is not part of the protocol and is not shown in the header.
Destination-token pools are not USD-fair across assets. Fees follow ramps, not token price. An oracle would reintroduce admin and manipulation risk on an immutable vault. Independent audit is recommended and is not a launch blocker; unaudited immutable contracts carry smart-contract risk.
Zero impermanent loss does not mean zero risk. You can still lose USD value if the staked token’s price falls. You cannot lose to AMM rebalancing because there is no LP pair.
Decentralized, immutable, IPFS
HabitProofX is a decentralized protocol interface: no custodian, no admin freeze of user funds, no company ledger that can reverse the chain.
After testing and completion, smart contracts (registry and, when live, the vault) are deployed immutable — no proxy, no admin key, no upgrade. That is a feature and a trade-off: we cannot secretly change the rules, and we cannot hotfix a live bug.
Protocol metadata (verified source, ABI, frozen Terms / Privacy / Security / white paper) is packed as a CIDv1 UnixFS directory, pinned, and verified at /ipfs. User habits are not written to IPFS. When contracts freeze, a content-addressed IPFS mirror of the matching interface is published so the UI is not tied to one host.
Eligible TVL and HABIT snapshot (not a date)
Eligible TVL is the USD value of any ERC-20 staked in a live Streak Vault at an observation block, excluding same-epoch deposits, tokens with no DexScreener print (priced at 0), and any published developer-controlled wallets. LocalStorage streaks and unstaked wallets do not count. The meter is $0 until a vault address is pinned.
HABIT is an optional utility token, not required to ramp, and not the asset you stake for vault yield. Fees remain stablecoin. HABIT does not launch on a calendar. It launches when eligible TVL holds at $500,000, after a live vault, essential security, and IPFS pin. Airdrop eligibility is at least 2 months of active vault stake, a 30-day window, and a 15% developer allocation locked 2 years.
Published TGE (not live): 1 billion HABIT, 0% inflation, launch FDV $200,000 ($0.0002 / HABIT), allocation 55% airdrop / 22% liquidity / 15% developer / 8% ecosystem. Supply is a hard cap. The only yield is the 1% ramp fee in stablecoin; locking HABIT qualifies for the 10% fee boost and does not mint HABIT. There is no implied TGE date on this page. $PRVX burns on ProveX settlement remain a separate mechanism.
HABIT is not launched on protocol day 1. Section 11 explains why a later TGE — after $500k eligible TVL — is the published decision, not a calendar delay.
Full allocation table (55 / 22 / 15 / 8): §13 HABIT tokenomics.
Why HABIT launches later — not on day 1
Launching a tradeable HABIT token on the first day the protocol goes live, keeping it optional, and waiting until $500,000 eligible TVL before utility is not the protocol design. The protocol and vault go first. One TGE follows TVL proof.
HABIT stays optional either way. It is never required to ramp or to stake. Fees stay stablecoin vault yield. $PRVX burns on ProveX settlement stay a separate mechanism.
The two layers
| Layer | Rejected: day-1 HABIT | Published: TGE at $500k TVL |
|---|---|---|
| Protocol | Vault + ramps live | Same |
| HABIT token | Fair-launched, tradeable on day 1 | Not live. Scaffolded at zero. No TGE date |
| HABIT utility | Off until $500k TVL | Defined at the same TGE as issuance |
Why day-1 HABIT looks attractive
- Narrative heat. “Token is live” is easier to market than “token later.”
- Early price discovery. A bid exists before utility — if liquidity is actually deep enough.
- Fair-launch optics. Day-1 issuance can feel more open than a delayed TGE, if allocation is transparent.
- A measurable unlock. “Utility at $500k TVL” is a gate, not a calendar promise.
None of that is irrational. It is growth-first, not product-first.
Why it is the weaker design here
- A speculation ticker before proof. Day-1 HABIT with no utility is a meme attached to a pre-TVL vault. No real fee stream to price against. No two-month stake history for a clean airdrop. Price becomes narrative plus liquidity — the opposite of “yield is real fees only.”
- Fair launch on day 1 fights the eligibility rules. The published airdrop needs vault stakers, at least 2 months of active vault stake, and a 30-day window. Day 1 cannot run that honestly. You either skip the gates (mercenaries and snipers) or launch circulating HABIT now and airdrop later (two supply events, double sell pressure, confused story).
- Sell pressure when the product is weakest. At a $200k FDV with thin LP, early holders have no utility reason to hold. A dump trains users that HABIT is a casino chip. Rebuilding trust for a later unlock is harder than launching once with proof.
- Utility-later is a second launch. If HABIT trades for months as a shell, then “turns on” at $500k, markets often sell the news. Issuing at the same moment utility exists is cleaner than gating features on an already-traded coin.
- Attention tax. A day-1 token forces listings chatter and dump management while the hard work is still vault live, fee router, metering, IPFS, and pinning addresses last.
- Optics. A day-1 tradeable token with no product utility looks more like a standalone speculative instrument. HABIT after real vault TVL and real fee history looks like protocol alignment. This is not legal advice.
Decision table
| Criterion | Day-1 HABIT, utility at $500k | TGE at $500k eligible TVL |
|---|---|---|
| Optional utility | Weak until unlock | Strong |
| Honest airdrop (2-month stake) | Hard / delayed | Clean |
| Chart integrity | High dump risk | Better — TVL already real |
| Marketing punch | Strong early | Stronger later, with proof |
| Complexity | Two events | One TGE |
| Fees = stablecoin yield | Easy to confuse | Clear |
| Mercenary resistance | Weak | Strong (gates + window) |
The smart decision
Do not launch tradeable HABIT on protocol day 1. Day-1 “fair launch, utility later” mostly buys hype and pays with mercenary float, a weaker airdrop, and a second sell-the-news event. One TGE after TVL proof is the better design.
Published path: vault live first; HABIT optional; TGE when eligible TVL holds at $500,000; airdrop only after at least 2 months of active vault stake plus a 30-day window; 15% developer allocation locked 2 years; fees remain primarily stablecoin vault yield. Points or on-chain streak score before TGE are allowed. A free-floating day-1 ticker is not.
Token UI: /habit#tokenomics (circulating zero). Snapshot meter: Streak Vault. Boost math: §13.
The 1% fee
HabitProofX charges a flat 1%. You keep 99%. 100% of the collected 1% still returns to the vault system as stablecoin. After HABIT TGE that distribution is 90% to all epoch-active vault stakers of the destination token and 10% to eligible HABIT lockers — still fees, never inflation. There is no taper to game by splitting a ramp.
Worked examples, computed with the same function the app uses:
The rate is fixed: no amount is ever charged more or less than 1%. Splitting or padding a ramp does not change the percentage.
HABIT tokenomics and the 10% lock boost
HABIT is a fixed-supply token: 1,000,000,000 units, 0% inflation, no mint after TGE. There is no HABIT emission track. The only yield in the protocol is the 1% ramp fee, paid in stablecoin. Locking HABIT does not print HABIT; it qualifies an epoch-active vault staker for the 10% fee boost.
After HABIT TGE, each epoch’s stable fees split 90% to all epoch-active vault stakers of the destination token and 10% pro-rata to wallets that lock HABIT and remain epoch-active in the vault. HABIT is not required to ramp or to earn the 90% base pool. There is no second yield paid in minted HABIT.
Supply allocation
Fixed 1,000,000,000 HABIT. 0% inflation. No mint after TGE. Published TGE FDV $200,000 ($0.0002 / HABIT). Not live — circulating supply is zero until the $500,000 eligible-TVL gate.
| Slice | Share | HABIT | Rules |
|---|---|---|---|
| Streak airdrop | 55% | 550M | Pro-rata to vault stakers with ≥2 months active stake and a 30-day window. Fair launch. No sale. |
| Liquidity | 22% | 220M | Paired at TGE. Locked 2 years. |
| Developer | 15% | 150M | Locked 2 years. No dump at TGE. |
| Ecosystem | 8% | 80M | Grants, integrations, residual distribution. Not team liquid. |
100% of supply is allocated. Nothing else is minted.
Ramp volume to fee
Vault stable yield is fee revenue, not TVL. Each ramp of volume V pays a flat 1% fee: F = V × 0.01. A $100,000 ramp contributes $1,000. Changing TVL without changing V does not mint fees.
Boost math
After TGE, epoch fees F split 90/10. A non-HABIT vault staker with constant weight share w/W receives (w/W) × 0.9 F instead of (w/W) × F. That is a flat −10% on base dollar yield and APR if F and vault TVL are unchanged. How many wallets lock HABIT does not change the 90% pool size; it only splits the 10% boost among eligible lockers. Boost eligibility: HABIT locked and vault-active through the same epoch.
| Position | Stable fees | HABIT minted |
|---|---|---|
| Vault only | Base pool (90% of F) | None |
| HABIT lock only | None | None |
| Vault + HABIT lock | Base + boost (≤10% of F) | None |
Restoring non-HABIT stable yield %
Remaining APR vs pre-boost = 0.9 × (1 + g_volume) / (1 + g_TVL). At constant TVL, restore when ramp volume (and therefore F, at the flat 1% fee) grows 11.11%. TVL growth alone makes the gap worse. If TVL also grows 10%, volume must grow 22.22% to hold non-HABIT APR.
Worked epoch, F = $10,000, Alice and Bob each 1% of vault weight. Alice (no HABIT) receives $90. Bob (also 10% of HABIT-lock weight) receives $190. Alice is not zeroed; she is diluted $10 unless fee volume rises 11.11%.
Growth vs yield
Ramp growth vs lost non-HABIT yield
Live fees $0 · live TVL $0 · model until the vault is pinned
Remaining yield
90.00%
vs pre-boost APR
Lost yield
10.00%
Gap to restore
Fees this scenario
$10,000
1.00% of $1,000,000 volume
Growth to restore
11.11%
Ramp volume, at this TVL growth
Ramp volume growth
0%
Restore line ≈ 11.1% at this TVL growth
TVL growth
0%
TVL up without more ramps lowers APR further
Protocol fee (ramp → fee)
1.00%
Locked at 1% — not a slider.
Flat 1%. F = V × 0.01
Model annual ramp volume
$1,000,000
Scenario only. Live volume is $0 until the vault is pinned.
Base pool 90% · $9,000
Boost pool 10% · $1,000
HABIT mint 0% · 1B cap
At constant TVL, non-HABIT vault APR is restored when ramp volume grows 11.11% (fees +11.11% at a fixed 1% rate). Raising TVL without raising ramps does not close the 10% base-pool gap. HABIT does not mint. This chart is stable-fee yield only.
Interactive model: /habit#tokenomics. Boost pool ratio is immutable at 10% of F. HABIT inflation is0%. Supply is a hard cap of 1 billion. No mint. The chart is fee yield only.
Start the habit
Set your amount and cadence. Local streaks are reminders. Vault yield starts only after you stake any ERC-20 in a live vault and survive one epoch.