Bitsave SaveFi Protocol

Bitsave is a native Solana program implementing SaveFi - a decentralized savings protocol. Users can create time-locked savings plans in supported stablecoins, earn commitment through lockups, and face penalties for early withdrawals. Fees fund treasury and buyback mechanisms.

🚀 Features

• Factory Configuration: Set fees, treasury/buyback wallets, up to 10 stablecoins.
• User Profiles: Track registration, savings count, total principal.
• Savings Plans: Custom name, amount, lock duration (seconds), penalty rate (1-5%).
  • Top-up anytime before maturity.
  • Early withdraw: Penalty split to treasury/buyback.
  • Mature withdraw: Full principal returned.
• Secure: PDAs for all state, ATA vaults, SPL token transfers, rent-exempt accounts.
• Tested: Full e2e tests including early/mature withdraws.

📋 Instructions

Instruction	Accounts (key ones)	Description
InitializeFactory	authority, treasury, buyback, factory PDA, system	Init factory with fees & stablecoins.
RegisterUser	user, factory, profile PDA, USDC ATAs, token/system	Pay registration fee (split), create profile.
CreateSavingsPlan	user, factory/profile/plan PDAs, ATAs, token/system	Lock principal + creation fee.
TopUpSavings	user, profile/plan PDAs, ATAs, token	Add to principal pre-unlock.
WithdrawSavings	user, factory/profile/plan PDAs, ATAs, token	Penalty if early, full if mature; close accounts.

Program ID: Fg6PaFpoGXkYsidMpWTK6W2BeZ7FEfcYkg476zPFsLnS

🏗️ Architecture

Factory PDA ──┬──> UserProfile PDA ───┐
              │                       │
Treasury/Buyback ATAs     SavingsPlan PDA ──> Plan Vault ATA
              │                       │
              └──> Fees (reg/creation) │ Penalty (early withdraw)
                                      └── Principal (mature)

• State Sizes: Fixed-length borsh for rent-exemption.
• PDAs: Deterministic seeds (factory, user/{user}, savings/{user}/{index}).

🔧 Quickstart

Prerequisites

• Rust & Solana CLI
• solana-keygen new (or use existing)

Build & Test

Linux/macOS:

cargo test  # Run unit tests
cargo build-sbf

Windows (cmd/PowerShell):

cargo test  # Run unit tests
set USERPROFILE=C:\Users\PC && cargo build-sbf

Note: cargo build-sbf requires USERPROFILE env var for Solana toolchain cache. Adjust path if your user folder differs. Install Solana CLI if missing: sh -c "$(curl -sSfL https://release.solana.com/stable/install)" (use WSL2 recommended).

Deploy

# Build (see Build & Test above)

# Deploy (mainnet-beta example)
solana program deploy target/deploy/bitsave.so

Client Integration

Use solana-program & borsh to construct instructions. See tests/bitsave.rs for examples.

📊 State Schemas

• FactoryConfig: authority, treasury/buyback, fees, total_users, stablecoins[10], bump.
• UserProfile: owner, registered_at, savings_count, total_principal, bump, initialized.
• SavingsPlan: owner, index, name[32], mint, principal, created/unlock_time, penalty, active, bump.

🧪 Tests

• registration_create_topup_and_early_withdraw_work(): Full flow + 2% early penalty.
• mature_withdraw_returns_full_principal(): Post-lockup full return.

All tests pass with USDC/USDT.

🔒 Security

• Signer & owner checks everywhere.
• PDA verification.
• Sufficient funds pre-transfers.
• Math overflow protection.
• Duplicate/empty stablecoins rejected.
• Invalid PDAs/ATAs rejected.

📝 License

MIT