Every coin in.Nothing lent out.
Deposit stablecoins once on Robinhood Chain and the balance drops into a piggy bank with your name on it. The protocol never lends it, never pools it and never routes it anywhere else. Reserves read one hundred percent at every block, so every depositor can walk out on the same day.
A bank run needs
a bank that lent it out.
A fractional bank keeps a slice of deposits on hand and puts the rest to work somewhere you cannot see. It clears every ordinary day and it fails on the one day everybody arrives at once, because the money is not in the building. The slice is the whole risk, and the depositor never picks it.
Pons Piggy Bank does not keep a slice. It keeps all of it. Deposits go into a sealed box in your name and no function in the contract can move them anywhere but back to you. There is no queue to join because there is nothing to wait for, and there is nothing to wait for because nothing was ever lent.
lendDeposits(amount)no such function was compiledborrowAgainst(box)a box is not collateralsetReserveRatio(90)immutable, written at deploysweep(owner)no owner address existspause()reverted, permanentlyupgradeTo(v2)no proxy sits in frontIllustrative. These are the functions a depositor would want to know are missing, written the way they would appear in a contract, not a live call trace.
Two jars sit under it.
Only one of them is yours.
The confusing part of any bank is that a deposit and an interest payment come out of the same pot. Here they never touch. Your money lands in one jar and stays there. The interest you draw is paid from a second jar the protocol fills with its own fee income, and if that jar runs empty the rate goes to zero without a single coin leaving the first one.
100% of your deposit
Every unit you deposit goes into a box indexed to your address and nothing else. It is not pooled with other depositors, not posted as collateral, not supplied to a lending market and not routed through a strategy. The only path out of the box is a withdrawal to the address that filled it.
Where the interest comes from
The protocol charges a fee on its own activity and that fee income is the only source of depositor interest. It is a separate balance with a separate accounting, so a good week raises the rate and a quiet week lowers it. Nothing about the fee jar's balance can reach into the piggy banks.
Deposit
Send stablecoins once. A box opens against your address in the same transaction.
Seal
The balance is recorded in reserve. No function moves it anywhere except back to you.
Accrue
Interest streams from the fee jar at whatever rate the fees currently support.
Withdraw
Ask for any part of it at any block. There is no notice period and no queue.
Send everybody to the counter
on the same morning.
Drag the second slider to one hundred and watch what a reserve ratio actually decides. A fractional bank holding an illustrative ten percent clears a normal day and breaks the moment the day is not normal. A full reserve has no number at which it starts queueing, because the money never went anywhere.
Every figure recomputes from the three sliders and from nothing else. The comparison bank is a textbook fractional model, not a named institution, and no number on this page describes a deployed contract or a real balance. Pons Piggy Bank has not launched.
Fee income in.
Interest out. That is all.
A rate with no story behind it is a promise. This one is arithmetic: take what the fee jar collected in a day, divide it across the deposits that are sitting in reserve, and that is the rate. Move either slider and watch it move. There is no setting on either slider that touches the reserve.
Illustrative. The rate is fee income annualised against deposits and nothing else, computed live from the three sliders. It is not a projection, not a target and not a yield being offered. Drag the fee jar to zero and the rate goes to zero while the reserve stays exactly where it was, which is the entire point of keeping the two jars apart.
Written once,
then never editable.
The deposit never moves.
Not to a market, not to a strategy, not to a treasury. The only transfer the contract will sign is a withdrawal back to the address that made the deposit.
Reserves are one hundred percent, every block.
Not an average, not a target, not a policy. The figure is a read call and anyone can make it without asking permission.
Interest comes from fees, never from lending you out.
Two balances, two accountings. If the fee jar is empty the rate is zero, and that is a worse week, not a worse balance.
Every box is provable by anyone.
Boxes are indexed by address on a public chain. You do not have to trust a statement when you can read the state.
No admin key opens a box.
No owner, no pause, no upgrade path, no proxy sitting in front. There is no privileged address to compromise or to trust.
Small before big.
Send a small deposit first and take it back out. Read the state yourself, watch the withdrawal land, and only then decide what a real deposit looks like.
The piggy bank lives on
Robinhood Chain.
- Robinhood Chain is an Arbitrum Orbit rollup, an EVM Layer 2 that settles to Ethereum. Chain id 4663, which reads 0x1237 in hex.
- Gas is paid in ETH. Any wallet that supports Robinhood Chain works here, and no server of ours sits between you and a node.
- The block explorer is a Blockscout instance, so every deposit and every withdrawal is an ordinary transaction anyone can replay without asking us for anything.
- $PIGGY launches through pons_v2, the launchpad on the chain, as a fixed supply token minted to a bonding curve at deploy.
The values to check
before a wallet touches it.
Click any value to copy it. Every one of these is a fact about the chain, not a claim about this protocol.
Six values with
no write path.
Each one is set at deploy and the compiled contract contains no function to change it. This is what makes the reserve a fact rather than a policy somebody could revise on a bad Tuesday.
Reserve ratio
Stored immutable. There is no setter, so there is no ratio to argue about later.
Lending
The contract was compiled without a lending function. It is not disabled, it was never written.
Box isolation
Boxes are not pooled. One depositor's activity cannot reach another depositor's balance.
Interest source
The interest stream reads one balance and it is not the reserve. Zero fees means zero interest.
Admin keys
No owner, no roles, no pause, no upgrade path, no proxy in front.
Token supply
One billion $PIGGY minted to the bonding curve at deploy. No mint function survives it.
$PIGGY
$PIGGY is the protocol token and it launches the same way every token on pons_v2 launches: the entire fixed supply mints straight to a bonding curve at deploy, not to a team wallet and not to a pre seeded position. Anyone buys from the curve at any time, the deployer included, and only the curve's own price impact limits a large buy.
The deployer address carries attribution metadata and nothing else. It confers no privilege over the contract, no claim on the reserve and no ability to touch a depositor's box.
One address, posted here.
Anything else is a copy.
Not launched yet
The ticker and name namespace on this chain is not policed, so anyone can deploy a token carrying the same name and symbol through the same public factory. When $PIGGY launches, the real address appears in this box and in a pinned post on the official X account at the same moment. Those two places are the only ones. If you find the address anywhere else first, it is not ours.
The questions worth
asking first.
Is this a real bank?
No. It is a memecoin launch with a website that describes a mechanism, and the mechanism on this page is illustrative. The thing that will actually exist on chain is a fixed supply token launched through pons_v2 on Robinhood Chain. Nothing here is a deposit product, a regulated institution or a claim on anybody.
Where does the interest actually come from?
From protocol fee income, described in the two jars section. It is a separate balance from the reserve, it can go to zero, and when it does the rate goes to zero. No part of the interest comes from lending a deposit to anyone.
What is the catch with a hundred percent reserve?
The rate. A bank that lends deposits out can pay more because it is earning on money it does not have on hand, and it is the depositor who carries that risk without pricing it. Full reserve gives that up on purpose. You get a smaller and more honest number, and a withdrawal that always clears.
Can the team change the reserve ratio later?
No, and not because of a promise. The value is written at deploy and the compiled contract contains no setter, no owner and no proxy to upgrade through. There is no address with the authority to try.
Are the numbers on this page real?
No. Every figure in the run window and the rate lab is computed live from the sliders next to it, and both cards are labelled illustrative. The chain facts are the opposite: chain id 4663, Arbitrum Orbit, gas in ETH and pons_v2 as the venue are all true and checkable.
When is the contract address published?
At launch, in the box above and in a pinned post on the official X account, at the same moment and nowhere else. There is no presale, no allowlist and no early address to be given quietly in a DM.
How do I avoid buying a fake?
Check the address against this page and the pinned post before you sign anything. The name and ticker are not reserved on this chain and copies of successful launches are routine, so the ticker alone proves nothing.
What should a first deposit look like?
Small. Send a small amount, read the state on the explorer yourself, withdraw it, and watch the withdrawal land. Then decide. That rule is on the page because it is the one that protects you regardless of what the copy says.