Payment Processing
How Mesi handles multi-channel payments, instant creator settlements, and automated savings.
Mesi utilizes a high-speed financial engine that bridges legacy mobile payment systems with the native Creator Chain. This ensures that while fans enjoy a familiar checkout experience, creators benefit from the speed and utility of blockchain-based settlements.
Core Infrastructure
Payments are managed through two distinct pipelines depending on the user environment:
Native Infrastructure: Powers the Web App and all blockchain-based activities. It handles $MESI tokens, stablecoins, and direct smart contract interactions.
Mobile In-App Payments (IAP): Integrated with the Apple App Store and Google Play Store. These handle fiat transactions exclusively to comply with mobile ecosystem regulations.
Creator Settlements
Regardless of how a fan pays, Mesi provides a unified and incentivized settlement process for creators.
Earnings are converted and credited to your wallet immediately upon transaction. *Note: Music creators receive monthly settlements.* Choose to receive your earnings in **\$MESI** tokens to receive an automatic **10% bonus** on your total payout.
Settlement Logistics
If platform reserves are temporarily insufficient for an instant payout, the system mints temporary $MESI tokens to ensure liquidity. To protect the economy, any resulting inflation is neutralized through:
Reserve Burns: Removing tokens from the internal treasury.
Buybacks: Purchasing tokens from the open market to restore equilibrium.
Payment Deductions
To maintain a transparent ecosystem, all fees are applied and visible at the transaction layer:
Mesi Commission
Standard platform fee for infrastructure and maintenance.
Licensing Fees
Distributed to IP holders for content used in the transaction.
Network Fees
Gas fees required to process the transaction on the Creator Chain.
Asset Flexibility & Banking
Once funds are in your wallet, you have full control over your assets.
Blockchain Mobility: Transfer tokens to external wallets or add them to Liquidity Pools.
Fiat Off-Ramp: Connect your bank account to receive traditional currency payouts.
Mesi Debit Card: Spend your earnings instantly at any point-of-sale (POS) globally.
Bitcoin Savings Accounts
Creators can automate their long-term wealth building through our integrated BTC savings feature.
Open a free Bitcoin savings account within your Mesi profile. Upon withdrawal, a pre-set portion of your **\$MESI** earnings is automatically converted to Bitcoin (BTC). Your BTC is moved to a dedicated, high-security custodial account hosted by Mesi, allowing you to accumulate reserves over time. 
**Pro-Tip:** Enabling the Bitcoin savings account combined with the 10% **\$MESI** settlement bonus is the most efficient way to maximize the long-term value of your creative output.
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