What InstantAdPay is

InstantAdPay is an advertising platform with a referral program, live on the Polygon blockchain. Members buy advertising credit packages in POL and spend the credits on ads shown to other members. Each purchase is settled by a public smart contract that pays a fixed share to the buyer's referral line and to two platform wallets in the same transaction. It is not an investment, a security or a passive-income scheme, and it makes no earnings promises (see the Disclaimer).

InstantAdPay is part of the Crypto Team Build Network and has its own contract, rules and membership.

1. The smart contract

More detail, including what the operator can and cannot do, is on The contract page.

2. Where each purchase goes

• Pass-up: if the member at a level is not qualified for that level, that share moves up the sponsor line to the next qualified member (up to 25 steps). If nobody in range qualifies, it goes to platform wallet A. Every pass-up is recorded on-chain with the reason.
• Qualification is earned only by referring real buyers. It cannot be bought.
• Platform wallets: A is 0x7627fc78876948ac9d95c1c9eb061e7d6d647b70, B is 0x8b7d33849a2c4d92c985be31e46dc564ba901ad2. Platform income pays for operations, development, marketing and the game rewards described below.
• Overpayment is returned to the buyer in the same transaction.

3. Pricing and ad credits

• Prices are set in US dollars and paid in POL. The contract converts the dollar price to POL at the moment of purchase using the Chainlink POL/USD price feed on Polygon. If the feed goes quiet, the contract uses the last fresh price for up to 24 hours, then pauses new sales until the feed recovers.
• Base rate: 1 credit = $0.01. Current packages: $5 = 500 credits, $20 = 2,000, $50 = 5,500, $100 = 12,000, $250 = 32,500 (larger packages include bonus credits). Package prices are bounded in the contract between $1 and $500, and any price change waits 24 hours before it takes effect.
• Purchased credits are recorded on-chain. A purchase adds credits to the member's balance inside the contract. As campaigns run, the platform's engine wallet burns the spent credits on-chain in batches, each burn tagged with its campaign reference, so the public ledger shows credits in and credits used. Only the engine wallet can reduce a balance, and only by burning.
• Earned credits are kept by the site, not on-chain. Welcome credits, surfing and viewing rewards, promo codes and other bonuses are tracked in the site's database and labeled separately from purchased credits.
• Credits are advertising credit, not currency. They cannot be transferred between members and cannot be exchanged back into POL or cash.

4. Refunds

Payments are on-chain and final: a POL payment cannot be reversed, charged back or refunded to a wallet. Unused credits stay in the member's balance until spent. If a campaign fails to deliver because of a platform problem, the platform may return the affected credits to the member's balance, labeled as returned purchased credits.

5. Ad formats

Seven formats: banner ads, text ads, login ads, video ads, solo ads (a message sent to members), featured rotation, and verified visits (a member opens the advertiser's page and stays on it for a set time before the visit counts).

6. Attention and anti-fraud

• Active viewing: video ads pause when the viewer switches tabs or the window loses focus, and viewing and visit timers only count while the page is in front. The server also checks the elapsed time, so a view cannot be credited early.
• One account per person: required by the Terms. Sign-ups are checked with device and network signals; a second account from the same device is refused, and suspicious matches are flagged for review. Accounts sign in with a one-time email code.
• Extra positions, openly: a member who wants more than one position adds extra wallets to their one account ("Qualified Start"). They are the member's own wallets and own purchases, shown openly in the account.
• PolHunter codes: each hunt code is generated per member and per visit, is only released after the required time on the page, and its hiding place rotates daily, so codes cannot be shared or scraped ahead of time.

7. Network games

Free browser games in the network bring players to member ads and pay small POL rewards for gameplay milestones. Rewards come from game wallets that the company tops up from platform income, and every top-up is recorded in the company's accounts as a marketing cost. Rewards are per action and not guaranteed. Players sign in to the games with their InstantAdPay account, so a player's sponsor carries across them.

What InstantAdPay is not

• Not an investment, token sale or security. Credits are not a token and have no cash value.
• Not a holder of member money. Payments are split by the contract in the same transaction.
• Not a guarantee of income. Referral payouts happen only when real advertising is purchased in a member's line.