Buff Round-Up Investing

Auto-invest spare change from every transaction. Rounds up payments to the nearest dollar and invests the difference into BTC, ETH, or SOL via Jupiter on Sol...

Buff — Round-Up Investing Protocol

Buff rounds up every Solana transaction and auto-invests the spare change into crypto assets. All fees are enforced server-side — the SDK is a thin API client with no sensitive logic.

Quick Start

npm install buff-protocol-sdk

import { Buff } from "buff-protocol-sdk"

const buff = new Buff({
  apiKey: process.env.BUFF_API_KEY,
  plan: "sprout",
  investInto: "BTC",
})

// Calculate a round-up
const breakdown = await buff.calculateRoundUp(4.73)
// $4.73 → $4.80 = $0.07 round-up

// Get wrap instructions (server builds transfer instructions with fees)
const { instructions, breakdown } = await buff.getWrapInstructions(
  27.63, userPubkey, buffWalletPubkey
)
// Append instructions to your transaction, sign, send

Auto-Invest

// Check if threshold reached
const acc = await buff.getAccumulator(walletPubkey)

// Build swap transactions (server-side via Jupiter)
const result = await buff.buildSwap(walletPubkey)
if (result.ready) {
  for (const swap of result.transactions) {
    // Sign the transaction, then execute
    await buff.executeSwap(signedTx)
  }
}

Multi-Asset Allocation

buff.setAllocations([
  { asset: "BTC", pct: 60 },
  { asset: "ETH", pct: 40 },
])

Plan Tiers

Plan	Rounds to	Fee
Seed	$0.05	1.00%
Sprout	$0.10	0.75%
Tree	$0.50	0.50%
Forest	$1.00	0.25%

REST API

No SDK needed — any language, any agent. Base URL: https://buff.finance

Public Endpoints (no auth required)

# Get auth message to sign
curl https://buff.finance/api/auth

# Get plan tiers and config
curl https://buff.finance/api/plans

# Get live crypto prices
curl https://buff.finance/api/price

# Get portfolio for any wallet
curl https://buff.finance/api/portfolio/WALLET_ADDRESS

# Check accumulator (balance vs threshold)
curl "https://buff.finance/api/accumulator/WALLET_ADDRESS?threshold=5"

# Get transaction history
curl "https://buff.finance/api/activity?address=WALLET_ADDRESS&limit=20"

Generate API Key (no pre-existing key needed)

# 1. Sign "Buff API Authentication" with your Solana keypair
# 2. Send wallet + signature to generate your key

curl -X POST https://buff.finance/api/keys/generate \
  -H "Content-Type: application/json" \
  -d '{"wallet": "YOUR_PUBKEY", "signature": "BASE64_SIGNATURE"}'

# Response: { "ok": true, "data": { "apiKey": "...", "wallet": "..." } }
# Use both x-api-key and x-wallet headers on all authenticated requests

Authenticated Endpoints (require x-api-key + x-wallet, or x-wallet + x-signature)

# Calculate round-up
curl -X POST https://buff.finance/api/roundup \
  -H "x-api-key: YOUR_KEY" \
  -d '{"txValueUsd": 27.63, "plan": "tree"}'

# Get wrap instructions (server builds transfer with fees enforced)
curl -X POST https://buff.finance/api/wrap \
  -H "x-api-key: YOUR_KEY" \
  -d '{"txValueUsd": 27.63, "userPubkey": "...", "buffWalletPubkey": "..."}'

# Get Jupiter swap quote
curl -X POST https://buff.finance/api/swap/quote \
  -H "x-api-key: YOUR_KEY" \
  -d '{"inputLamports": 100000000, "targetAsset": "BTC"}'

# Build swap transaction (server-side via Jupiter)
curl -X POST https://buff.finance/api/swap/build \
  -H "x-api-key: YOUR_KEY" \
  -d '{"buffWalletPubkey": "...", "targetAsset": "BTC", "threshold": 5}'

# Execute signed swap transaction
curl -X POST https://buff.finance/api/swap/execute \
  -H "x-api-key: YOUR_KEY" \
  -d '{"signedTransaction": "base64-signed-tx", "network": "mainnet-beta"}'

# Derive Buff wallet from signature
curl -X POST https://buff.finance/api/wallet/derive \
  -d '{"signature": "base64-or-hex-signature"}'

# Register an agent
curl -X POST https://buff.finance/api/agent/register \
  -H "x-api-key: YOUR_KEY" \
  -d '{"publicKey": "...", "agentId": "my-agent"}'

Interactive API Playground

Try all endpoints live at: https://buff.finance/docs/api/rest

Security

• All fee calculation and treasury addresses are server-side only
• The SDK contains zero sensitive logic — it's just HTTP calls
• No funds are moved without explicit user signing
• Fees cannot be bypassed — the server builds all transfer instructions

Verifying Server-Built Transactions

Before signing any transaction returned by the Buff API, agents and developers should verify:

1. Deserialize the instructions returned by /api/wrap (base64 JSON containing programId, keys, data)
2. Check that transfers only go to your Buff wallet (user investment) and the known Buff treasury (4pWnqVxtSfrMo2XK6AarW3rDNoN7UfAMEyHF8Y9KZGHf)
3. Verify amounts match the breakdown — userInvestmentLamports + buffFeeLamports should equal roundUpLamports
4. For swaps, verify the unsigned transaction from /api/swap/build contains only Jupiter swap instructions for the expected token pair and amount
5. Use a scoped/rotatable API key and test with small amounts first
6. Compare the breakdown from /api/roundup (informational) with /api/wrap (executable) — they should match for the same inputs

Links

• Docs: https://buff.finance/docs
• Dashboard: https://buff.finance/dashboard
• API Reference: https://buff.finance/docs/api/rest
• GitHub: https://github.com/nightcode112/Buff