Whop
Finance
documentation
Whop Finance × Aptos
Introduction
Aptos infrastructure powering the world's largest internet market
Tether invested in Whop to power stablecoin payments for the next generation of the internet economy. With the Wallet Development Kit, Whop Finance enables self-custodial wallets with instant global dollar settlement — removing the frictions of traditional payments for 18.4 million users across 144 countries.
Products
Create, connect, and get paid instantly.
Payments
Stablecoin infrastructure at scale
Seamless on-chain settlement powered by Tether's Wallet Development Kit. Self-custodial wallets where value moves as easily as digital content — enabling efficient dollar settlement for creators and users worldwide.
$3B+
Annual payouts
18.4M+
Users on Whop
144
Countries
25%
MoM growth
Build DeFi with the Whop Finance SDK
Move modules for payments, yield, and stablecoin transfers on Aptos. Integrate the Tether WDK, deploy creator payment splits, and compose with Aave and Decibel — all from a single SDK with sub-second finality and $0.00003 transactions.
SDK
0114453
- $2,805,620,430Paid out to creators on Whop
Earn Yield
Aave V3 on Aptos
Lending and borrowing through Aave V3 — the most battle-tested protocol in DeFi with $27B+ TVL across 12 chains, now native on Aptos via Move modules. Self-custodial access to institutional-grade yield powered by Tether's WDK.
import { getAavePoolAddress } from "@/lib/aave" export async function POST(req: NextRequest) { const { asset, amount, onBehalfOf } = await req.json() const aavePool = getAavePoolAddress() // Entry function is on supply_logic, not pool const payload = { function: `${aavePool}::supply_logic::supply`, typeArguments: [], functionArguments: [asset, amount, onBehalfOf, 0], } return NextResponse.json({ payload }) }
// Leveraged yield: supply → borrow → re-supply loop export function previewLoop(config: LoopConfig): LoopResult { const { initialAmount, targetLoops, ltv, safetyMargin, supplyApr, borrowApr } = config let totalSupplied = 0, totalBorrowed = 0 let currentAmount = initialAmount for (let i = 0; i < targetLoops; i++) { totalSupplied += currentAmount const borrowed = currentAmount * ltv * safetyMargin totalBorrowed += borrowed currentAmount = borrowed } totalSupplied += currentAmount const effectiveLeverage = totalSupplied / initialAmount const netApy = supplyApr * effectiveLeverage - borrowApr * (effectiveLeverage - 1) const healthFactor = totalBorrowed > 0 ? (totalSupplied * LIQUIDATION_THRESHOLD) / totalBorrowed : Infinity return { totalSupplied, totalBorrowed, effectiveLeverage, netApy, healthFactor } }
Protocol
Aave V3
Native Move modules
TVL
$27B+
Across 12 chains
Yield
4-8%
APY on stablecoins
Withdraw
Instant
No lockup period
Trade
Decibel on Aptos
Fully on-chain orderbook perps via the Decibel DEX on Aptos. BTC, ETH, APT, tokenized stocks, commodities, and forex — up to 50x leverage with sub-second settlement. Self-custodial trading, no intermediaries.
// Market order: IOC time-in-force, price=0 const sizeRaw = Math.round( Number(size) * Math.pow(10, marketConfig.sizeDecimals) ) const payload = { function: `${pkg}::dex_accounts_entry::place_order_to_subaccount`, typeArguments: [], functionArguments: [ subaccount, // subaccount address marketConfig.address, // market address (BTC-USDT, AAPL, etc.) "0", // price (0 = market price for IOC) String(sizeRaw), // size in contract units isBuy, // true = long, false = short 2, // time_in_force: IOC (market order) false, // post_only reduceOnly, // reduce_only ], }
// Frontend: build payload via API, sign with wallet adapter const res = await fetch("/api/decibel/order", { method: "POST", headers: { "Content-Type": "application/json" }, body: JSON.stringify({ marketName, price: currentPrice, size: parseFloat(size), isBuy: side === "buy", orderType, subaccount, }), }) const data = await res.json() const result = await signAndSubmitTransaction({ data: data.payload, })
Leverage
Up to 50x
On all markets
Fee
0.045%
Taker fee
Settlement
<1s
Sub-second finality
Markets
12+
Crypto, stocks, forex
Send Money
Where value moves as easily as digital content
Transfer USDT on Aptos for $0.00003. Self-custodial wallets powered by Tether's Wallet Development Kit give users direct control over their funds — no intermediaries, no unnecessary friction. Payments move as freely as the internet itself.
// USDT Fungible Asset address on Aptos mainnet const USDT_FA = "0x357b0b74bc833e95a115ad22604854d6b0fca151..." // Build payload for client-side signing via wallet adapter const payload = { function: "0x1::primary_fungible_store::transfer" as const, typeArguments: ["0x1::fungible_asset::Metadata"], functionArguments: [USDT_FA, recipient, amount], } return NextResponse.json({ payload })
// Server-side demo: send real USDT between two accounts const rawAmount = Math.floor(amount * 1e6) // USDT = 6 decimals const sender = Account.fromPrivateKey({ privateKey: new Ed25519PrivateKey(keyA), }) // Build the FA transfer transaction const txn = await aptos.transferFungibleAsset({ sender, fungibleAssetMetadataAddress: AccountAddress.from(USDT_FA), recipient: receiverAddr, amount: rawAmount, }) // Sign, submit, and wait for confirmation const pending = await aptos.signAndSubmitTransaction({ signer: sender, transaction: txn, }) const result = await aptos.waitForTransaction({ transactionHash: pending.hash, })
Cost
$0.00003
Per transfer
Speed
<1s
Instant finality
Custody
Self
Powered by Tether WDK
Reach
144
Countries supported
Learn Move
Aptos Move
Move is the smart contract language born from 8 years of research across Meta's Libra and Diem projects, backed by $1.4B in funding. Assets can't be copied or dropped — only moved. Tether's $180B+ in issued digital dollars runs on infrastructure designed for this kind of safety. Aptos executes in parallel via Block-STM, delivering 160k+ TPS with sub-second finality.
# Install the Aptos CLI $ brew install aptos # Initialize a new Move project $ aptos move init --name my_defi_module # Compile Move modules $ aptos move compile # Run Move unit tests $ aptos move test # Deploy to mainnet $ aptos move publish --profile mainnet
module whop::vault { use aptos_framework::fungible_asset; use aptos_framework::primary_fungible_store; /// A vault that holds fungible assets struct Vault has key, store { balance: FungibleStore, owner: address, } /// Deposit USDT into the vault public entry fun deposit( account: &signer, amount: u64 ) { // Resources can't be copied — only moved let fa = primary_fungible_store::withdraw( account, USDT_METADATA, amount ); fungible_asset::deposit(vault_store, fa); } }
Funding
$1.4B
Development backing
Research
8 Years
Libra → Diem → Aptos
TPS
160k+
Block-STM parallel exec
Finality
<1s
Sub-second on mainnet
The Aptos Story
The original Move.
Aptos Move is the direct descendant of the language created inside Facebook's Libra project in 2018. Not a fork. Not a variation. The same compiler, the same resource model, the same team — now powering stablecoin infrastructure that connects to Tether's 530 million users and $180B+ in issued digital dollars.
2018
Libra announced
Facebook reveals the Libra blockchain and the Move language — a resource-oriented smart contract language where digital assets can't be copied or dropped.
2020
Libra → Diem
Rebranded to Diem. The core team continues 3+ years of research into parallel execution, formal verification, and the Move type system.
2022
Aptos launches
The original Libra/Diem engineers launch Aptos with $350M in funding. Move ships to mainnet with Block-STM parallel execution.
2024
$1.4B+ ecosystem
Over $1.4B in development funding. Aptos Move V2 introduces objects, concurrent data structures, and Shelby for hot storage.
The next generation of internet markets
Whop facilitates $3B+ in annual payouts to creators in 144 countries. With Aptos and Shelby hot storage, every payment, attribution event, and content access check lives on-chain — real-time settlement for the world's largest internet market.
Instant Global Settlement
Every payment emits an Aptos event processed in real-time. Creators in 144 countries see earnings the instant they happen — no batch jobs, no stale data, no payment delays.
Self-Custodial by Default
Tether's WDK enables self-custodial wallets where users retain direct control over their funds. Token-gated communities where Move objects represent membership and unlock content automatically.
Internet-Native Economy
Creator profiles, subscription plans, and payouts are Move V2 objects — composable and ownable. A flexible, internet-native economy where value moves as easily as digital content.
module whop::creator_profile { use aptos_framework::object; use aptos_framework::event; /// Move V2 object — composable, transferable, ownable struct CreatorProfile has key { total_earned: u64, subscriber_count: u64, content_refs: vector<address>, // Shelby content pointers } /// Event emitted on every payment — indexed in real-time struct PaymentEvent has drop, store { creator: address, amount: u64, campaign_id: vector<u8>, timestamp: u64, } /// Token-gated content access via Move V2 objects public entry fun access_content( subscriber: &signer, content_ref: address, ) { // Object ownership check — no off-chain lookup needed let token = object::address_to_object(content_ref); assert!(object::owns(token, signer::address_of(subscriber))); // Shelby decrypts and serves content } }
The Libra Blockchain
“Libra's mission is to enable a simple global currency and financial infrastructure that empowers billions of people.”
— The Libra Association Members, June 2019
It all started with a whitepaper. In June 2019, Facebook published the Libra whitepaper — introducing Move, a language where digital assets are first-class citizens that can't be accidentally duplicated or destroyed. After 3 years as Diem, the core team spun out to build Aptos — bringing the original Move compiler, the original type system, and 8 years of research to a permissionless L1.
Today, Shelby extends Aptos with hot storage for real-time data — creator content, encrypted media, subscriber state — all accessible through the same Move modules that handle payments and DeFi. Token-gated communities become native: a Move V2 object represents membership, and content access is a single on-chain check. No middleware. No off-chain auth. Just Move.
The future of internet markets.
Anyone in the world can create, connect, and get paid instantly. Payments move as freely as the internet itself.
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