> For the complete documentation index, see [llms.txt](https://spozz-club.gitbook.io/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://spozz-club.gitbook.io/whitepaper/7.-direct-micro-payments.md).

# 7. DIRECT MICRO PAYMENTS

SPOZZ uses a dual-layer payment system:

**1. SPOZZ Token (SPZZ)**

* An on-chain utility token used for:
  * Artist payouts
  * Marketplace transactions
  * Peer-to-peer tipping
  * Staking for membership benefits
* Built on Polygon for low fees and fast confirmation
* Can be held or converted by users, depending on region and preference
* May later support liquidity on decentralized exchanges

**2. SPOZZ Credits (Off-Chain)**

* SPOZZ Credits are 1:1 backed by SPZZ tokens but used for simplicity
* Users can purchase credits using credit card, Apple/Google Pay, etc.
* Used in the app for streaming, subscriptions, and purchases
* Fully convertible to SPZZ when/if users want to exit to crypto

The dual system allows blockchain-native users to go fully on-chain, while letting mainstream users enjoy the platform without any wallet or crypto experience.