# Holders Interest Token Creation Guide

## **Protocol Mechanics**

**Core Features**:

* 💹 **Holders Interest**: Automatic compound interest for holders of **your created token**
* 🤝 **Referral Rewards**: 16-tier reward system with anti-bot safeguards

**Holders Interest**

Token holders automatically earn interest in **your created token**, simulating decentralized savings growth.

**Referral Rewards**

Referrers can establish referral relationships with referees to earn rewards in your created token from their transaction fees.

The binding process requires completing **one reciprocal transaction** to prevent sybil attacks:

* Anti-sybil binding requires **1 reciprocal transaction**:
  * Upline airdrops **any amount** → Downline returns **any amount**
  * *Customizable via console*

**Critical Restrictions**:

* Addresses with active downlines **cannot bind uplines**
* All rewards paid in **your created token**

{% hint style="info" %}
⚠️ *"Your created token" refers exclusively to the token deployed through this interface, distinct from blockchain native currencies (e.g., ETH/BNB).*
{% endhint %}

## Holders Interest Token Creation Steps

1.Open[ PandaTool](https://www.pandatool.org/#/coinrelease/holdWithInviter?lang=en-US)

2.Select the Holders Interest template

3.Connect Wallet

4.Token Parameter Configuration

5.Create Contract

6.Setting up token functionality

### **1. Wallet Connection (A**xperienced users **may skip)**

#### Step 1 - Network Selection

In MetaMask:

* Select target blockchain (e.g. BSC for Binance Smart Chain)
* Switch networks using the network dropdown

<figure><img src="/files/sF7dBODYBeuNBVJvH3Gm" alt=""><figcaption></figcaption></figure>

#### Step 2 - Platform Access&#xD;

Navigate to:
<https://www.pandatool.org/#/coinrelease/holdWithInviter?lang=en-US>Click "Connect Wallet" at top-right

<figure><img src="/files/zn4KMKI3M44g7mhbVzSW" alt=""><figcaption></figcaption></figure>

#### Step 3 -Wallet Connection Process

1. MetaMask pop-up appears → Select desired account
2. Click **"Next"** → **"Confirm"**
3. Verify connection status via displayed chain name & wallet address

<figure><img src="/files/Ee13Ri9fhpy1GCzF24cH" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
I**mportant Notice:**
\
If your Google Chrome has multiple wallet extensions installed (Phantom Wallet, MetaMask, and OKX Web3 Wallet), PandaTool will prioritize connecting to Phantom Wallet by default. To prevent this, temporarily disable the Phantom Wallet extension in your Google Chrome settings.
{% endhint %}

### **2. Parameter Configuration**

After successfully connecting to the wallet, we fill in the corresponding parameters on the token creation page:<https://www.pandatool.org/#/coinrelease/holdWithInviter?lang=en-US>

<figure><img src="/files/U9SULqxsyENoEv9DXi2m" alt=""><figcaption></figcaption></figure>

***Core Settings***

* **Name**: Full designation (e.g., Ethereum)
* **Symbol**: Ticker (e.g., ETH)
* **Total Supply**: Fixed issuance (adjust precision if excessive)
* **Decimals**: Default **18** (e.g., 0.000001 = 6 decimals)

***Compound Engine Settings***&#x20;

* **Start Time**: Set the start date for the holders interest. The specific time is set by default to midnight.Midnight UTC of selected day (immutable post-launch)
  * if you choose October 1st, the start time will be 00:00 on October 1st; if you choose October 2nd, it will be 00:00 on October 2nd.
* **Interest Rate**: Daily compounding rate (e.g., 1% → 3678% APY)
  * The rate at which holders interest accrues over a certain period—comparable to the interest rate on a bank’s demand deposit.
* **Period (Days)**: Compounding Cycle,Days between distributions (1-30 days)
  * For example, if you set the interest cycle to 1 day with an interest rate of 1%, a user holding 100 tokens will earn 1 token in interest after 1 day, bringing the total to 101 tokens. This cycle can only be set in “days” and cannot be specified in hours or minutes.

***Buy Tax (Total <25%)***

* **Buy Fund Fee:** Each buy transaction deducts a percentage of tokens deposited into the contract address. When the accumulation threshold is reached, these tokens are automatically swapped for **USDT** (or the base pool token matching your liquidity pool,such as bnb or USDC) and sent to your **fundaddress**.
* **Buy Burn Fee**: Each buy transaction deducts a percentage of tokens permanently sent to the **Burn Address** (0x000...dead) for deflationary removal.
* **Buy LP Fee:** Each buy transaction deducts a percentage of tokens deposited into the contract address. Upon reaching the activation threshold, these tokens are automatically paired with the base token to **enhance liquidity depth**. The generated LP tokens are irrevocably allocated to the **fundaddress**.

***Sell Tax (Total <25%)***

* **Sell Fund Fee:** Each Sell transaction deducts a percentage of tokens deposited into the contract address. When the accumulation threshold is reached, these tokens are automatically swapped for **USDT** (or the base pool token matching your liquidity pool,such as bnb or USDC) and sent to your **fundaddress**.
* **Sell Burn Fee**: Each Sell transaction deducts a percentage of tokens permanently sent to the **Burn Address** (0x000...dead) for deflationary removal.
* **Sell LP Fee:** Each Sell transaction deducts a percentage of tokens deposited into the contract address. Upon reaching the activation threshold, these tokens are automatically paired with the base token to **enhance liquidity depth**. The generated LP tokens are irrevocably allocated to the **fundaddress**.

{% hint style="info" %}
**Critical Notes**

* **Buy Tax Limitation**: **Buy Tax** rate must be <25%
* **Sell Tax Limitation**: **Sell Tax** rate must be <25%
* **Zero-Value Requirement**: Set unused tax categories to **0** (all fields are mandatory)
* **FundFee Enforcement**: **FundFee** must be ≥ **0.01%**
  {% endhint %}

**Generations Rewards (Total 100%)**

* **Inviter Fee:** The percentage of trades fees allocated to upline rewards. Example: 2% means 2% of each trades is distributed to uplines.
* **Generations:** The number of downstream levels that can be rewarded. Currently, up to 16 levels can be set.
* **Tier Ratios**:
  * **fristRate:**&#x54;he percentage of the **Referral Tax** allocated to the direct upline. *Example*: 20% of a 2% Referral Tax = **0.4% total trades fee**.
  * **secondRate:**&#x50;ercentage allocated to the upline's upline (second-tier).
  * **thirdtRate:**&#x50;ercentage allocated to the upline's upline's upline (third-tier).
  * **leftRate:**&#x43;lick **"Calculate Ratio"** to auto-distribute remaining percentages across subsequent generations.
* ⚠️ **Critical Rule**: All generation ratios must sum to **100%**. Use the **"Calculate Ratios"** button for automatic compliance.

***Fundaddress***

* This is the address that receives the fundfee. If the base pool is a USDT pool, it will receive USDT; if the base pool is a BNB pool, it will receive BNB.

***Advanced Controls***

* **Select DEXs**: Match chain (BSC → PancakeSwap, ETH → Uniswap).Choose the correct exchange where you will add liquidity. An incorrect selection may cause the mechanism to fail.
* **Select Currency**: Base Pool Token,BNB/USDT/USDC etc.

### **3. Feature Toggles**

<figure><img src="/files/cVeoKXnhcjfQiUjixdIE" alt=""><figcaption></figcaption></figure>

Below are explanations for the various token function switches:

| Function       | Enabled                                                         | Disabled                             |
| -------------- | --------------------------------------------------------------- | ------------------------------------ |
| **Off Trade**  | Requires manual activation (irreversible)                       | Auto-trading post-liquidity addition |
| **Kill Block** | Blocks sniper buys (e.g., 3 blocks = \~9s on BSC)               | Permanently disabled                 |
| **Cahnge Tax** | Allows post-deployment tax modifications                        | Locked permanently                   |
| **Airdrop**    | Randomly airdrops tokens (max 5 addresses per tx, irreversible) | Disabled                             |
| **Blacklist**  | Restrict sells/transfers for flagged addresses                  | Permanently disabled                 |

#### **Enable Off Trade**

* **Manual Trading Activation:**\
  Select this option if you wish to enable trading via the console. Once activated, trading cannot be turned off.
* **Do Not Select:**\
  Trading becomes available immediately after liquidity is created.

#### **Kill Block (KB)**

* **Select This Option:**\
  This is used to prevent bots from front-running buy orders. For example, “kill 3 blocks” means that addresses buying within the first 3 blocks (approximately 9 seconds on BSC) will be automatically blacklisted.
* **Do Not Select:**\
  This function will be unavailable and cannot be enabled later.

#### Enable Cahnge Tax

* **Select This Option:**\
  Allows you to manually adjust the tax rates after creating the token; both buy and sell tax rates must be less than 25%.
* **Do Not Select:**\
  Once the token is created, the slippage cannot be modified, and this function cannot be enabled later.

#### **Airdrop Enable**

* **Select This Option:**\
  A small amount of tokens will be automatically airdropped to random addresses on every transaction to boost holding effects, with up to 5 addresses receiving airdrops.
* **Do Not Select:**\
  This function will be disabled.

  *Note: Once enabled, this function cannot be disabled or modified.*

**Blacklist**

* **Select This Option:**\
  Allows you to add or remove addresses from the blacklist. Addresses on the blacklist will be unable to sell or transfer tokens. Use with caution.
* **Do Not Select:**\
  Blacklist settings cannot be configured or removed.

### 4.Console Usage Instructions

After successfully creating your token, you can enter the console to manage its various functions. Open the console at <https://www.pandatool.org/#/coinrelease/console?lang=en-US> and adjust the following settings:

<figure><img src="/files/kgGkF6a6A3XLq7R1l6B7" alt=""><figcaption></figcaption></figure>

#### **Ownership Control**

* **Transfer Ownership**: Transfer the contract ownership to another address. (Before transferring, be sure to copy the console URL. The new ownership address must use the console URL to access the console.)
* **Renounce Ownership**: Irreversible privilege discard

<figure><img src="/files/xrSM6Ma0g0TWouCM3Gwv" alt=""><figcaption></figcaption></figure>

#### **Liquidity Controls**

* **Remove LP fee**:
  * Default 0% (BNB pools require **wBNB** for tax-free operations)
  * Remove-LP Tax: Max 25%

#### **Trading Controls**

* **Launch:** Enable Trading.Once enabled, users can swap. This function cannot be disabled once activated.
* **Set Blacklist:** Allows you to add or remove multiple addresses from the blacklist.Blacklisted addresses will not be able to transfer or sell tokens
* **Kill bots:** Prevent Front-Running Bots at Launch.Mainly used to modify the kill block setting, applicable for projects that have not yet launched.

#### **Tax rate control**

* **Modify Tax :** You can adjust the liquidity (return), fundaddress, dividend, and burn tax rates individually. Their total must be less than 25%.
* **Set Fee Whitelist:** Transactions from whitelisted addresses are exempt from tax. You can add or remove addresses in bulk.
* **Set Fundaddress:** Change the contract’s fundaddress.

#### Compound Interest Control

* **Set Interest Start Time:**&#x4D;odify the compounding start date (effective only **before activation**, must be future-dated)
* **Set Interest Fee:**&#x41;djust the annualized compounding rate for token holders
* **Modify Compound Interest Period:**&#x43;onfigure interest distribution intervals in **daily** increments
* **Set Compound Interest Blacklist:**&#x41;ddresses added here will be **blocked from earning interest**

#### **Change InviterFee control**

* **Change Inviter Fee:** Adjust the inviter tax for both buy and sell trades; the total combined with other taxes must be less than 25%.
* **Set referral Rewarde Ratios:** Configure the rewarde ratios for inviter rewarde using the same method as described above. If you are unsure of the calculations, click “Calculate Ratio” to have it automatically computed.
* **Set Minimum Transfer Amount:** For example, if the minimum transfer amount is set to 0.1, the upstream user must transfer at least 0.1 tokens to the downstream user, and the downstream user must return at least 0.1 tokens to bind the inviter relationship. (It is recommended that this value be set to less than 0.1.)

## FAQs

**Exclusion from Holders Interest**

* The contract ownership address, the contract address itself, and the liquidity pool address are all excluded from receiving holders interest.

**How Is Interest Achieved? Where Do the Interest Tokens Come From?**

* They are generated via token inflation; holders interest is implemented in the form of additional token issuance.No supply cap reduction

**Ownership Transfer Protocol**

* **Pre-Transfer Action**: Copy the **dashboard link** (visible via the "Copy Link" button).
* **New Owner Access**: Transferred addresses must use the copied link to access the dashboard.

**Testnet Configuration (BSC Testnet)**

* **PancakeSwap Testnet**: <https://pancakeswap.finance/swap?chain=bscTestnet>
* **Testnet USDT Contract**: `0x66e972502a34a625828c544a1914e8d8cc2a9de5`

**V2 vs. V3 Liquidity:**

* When adding liquidity on PancakeSwap for the first time, you must create a V2 pool; V3 pools are not supported as they do not support any of the mechanisms. Please take note.

If you have any questions or require further clarification, please join our official Telegram group: <https://t.me/pandatool_en>


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