Last updated: August 12, 2026
BAGHOLDER is a non-custodial software tool. When you tap Buy, our software constructs an on-chain swap transaction that your wallet signs and the chain executes against a decentralized exchange (DEX) smart contract. Your tokens and your wallet keys stay with you at every step.
This page describes the principles BAGHOLDER applies the same way to every token, every chain, and every user. No kickbacks, no inventory, no special routing, no surprises.
Your stablecoin, your tokens, and your wallet keys remain in your non-custodial Privy MPC wallet at all times. BAGHOLDER's servers hold no signing authority over your wallet: every transaction that moves your assets is signed by your own wallet, on your device. The platform fee is an on-chain transfer your wallet signs.
The counterparty to every BAGHOLDER swap is the DEX liquidity pool itself — a smart contract pooling deposits from many independent liquidity providers. BAGHOLDER does not take positions in tokens, does not maintain inventory, and earns nothing from the difference between buy and sell prices. Our only economic relationship with you is the flat 5% platform fee disclosed at purchase time.
For each buy, BAGHOLDER's software queries the supported DEXes on that chain in parallel and builds your swap to route to the venue returning the best output — the most tokens — among the venues we query at that moment. Actual amounts received can vary with on-chain conditions. The same logic applies to every token and every user: we accept no payment for order flow and arrange no special routing for any token or issuer. BAGHOLDER runs no order book, does not internalize or match trades off-chain, never takes custody, and you sign every swap on-chain with your own wallet.
Every token is reviewed before it is listed, and the same standards apply on every chain we support: we look at a token's liquidity, its trading activity, and how it behaves when it is bought and sold. Listing a token is not an endorsement of it. A token can be paused from buying or removed if it can no longer be bought and sold fairly.
Stablecoins and real-world-asset (RWA) tokens are excluded by category. Other tokens may be excluded on a case-by-case basis. We do not receive payment from token issuers, projects, or sponsors for listing decisions. The App displays the current active token list.
BAGHOLDER charges a flat 5% platform fee on every buy, with a $0.50 minimum. The same fee applies to every chain, every token, every DEX, every user, and every purchase amount. It is disclosed before each purchase. We do not vary fees by token, by user, by DEX, by trade size, or by route. We do not accept rebates, kickbacks, or payment for order flow from DEXs, liquidity providers, market makers, or token projects.
Network gas costs (paid in the chain's native token to settle the swap on-chain) go to chain validators, not to BAGHOLDER. Where a user does not hold enough native gas to settle a swap, BAGHOLDER may cover the gas from a separate operational wallet, subject to internal limits. This service is included in the 5% platform fee.
Before any user can make a purchase, they must accept the App's "How Your Money Moves" disclosure, the Terms of Service, and the Privacy Policy. The disclosure describes the fund flow, the non-custodial architecture, and the material risks — volatility, irreversibility, regulatory uncertainty, token delisting. The disclosure is shown again whenever it is materially updated, and acceptance is recorded with the version and timestamp.