计息代币

什么是计息铸币账户?

Token Extensions Program 的 InterestBearingConfig 铸币扩展允许铸币账户直接在链上存储年化利率。

计息代币不会随时间向代币账户增加更多代币。存储在每个代币账户中的代币数量保持不变,直到代币程序指令改变它,例如铸造、转账或销毁。

随着时间推移,即使代币数量和代币总供应量保持不变,计算出的包含利息的 UI 数量也可能增加。

如何计算历史利率变化

  • InterestBearingConfig 存储 initialization_timestamppre_update_average_ratelast_update_timestampcurrent_rate
  • amount_to_ui_amount 分两步计算 UI 数量:首先使用 pre_update_average_rate 计算从初始化到 last_update_timestamp 的利息,然后使用 current_rate 计算从 last_update_timestamp 到当前时间戳的利息。
  • UpdateRate 运行时,process_update_rate 调用 time_weighted_average_rate 并将 pre_update_average_rate 更新为新的时间加权历史平均值,然后记录新的 last_update_timestampcurrent_rate
  • 经过一段时间的利率变化后,早期的变化由 pre_update_average_rate 表示,而从 last_update_timestamp 到当前时间的期间则使用 current_rate 计算。

如何创建和使用计息代币

要创建和使用计息代币:

  1. 计算铸币账户大小以及铸币账户和 InterestBearingConfig 扩展所需的租金。
  2. 使用 CreateAccount 创建铸币账户,初始化 InterestBearingConfig,并使用 InitializeMint 初始化铸币账户。
  3. 像往常一样铸造代币。
  4. 使用 UpdateRate 随时间改变铸币账户的当前利率。
  5. 使用 AmountToUiAmount 或辅助方法将代币数量转换为包含利息的 UI 数量,这些辅助方法会获取铸币账户和时钟系统变量,然后计算 UI 数量而无需发送交易。

链下和链上 UI 金额转换

链下辅助路径会获取铸币账户和时钟系统变量,然后在本地计算 UI 金额而无需发送交易。链上路径使用 AmountToUiAmount,它在 Token Program 中运行并在交易返回数据中返回 UI 金额。AmountToUiAmount 可以在交易中发送或进行模拟。

计算账户大小

计算基础铸币账户加上 InterestBearingConfig 扩展所需的 mint account 大小。这是在 CreateAccount 中使用的大小。

计算租金

使用铸币账户加上 InterestBearingConfig 扩展所需的大小来计算 rent。

创建铸币账户

使用计算出的空间和 lamport 创建 mint account。

初始化 InterestBearingConfig

在铸币账户上初始化 InterestBearingConfig 扩展。

初始化铸币账户

在同一交易中使用 InitializeMint 初始化铸币账户。

创建代币账户并铸造代币

为铸币账户创建一个 token account,然后向该 token account 铸造代币。

使用链下辅助函数计算 UI 金额

获取铸币账户和时钟系统变量,然后在不发送交易的情况下计算 UI 金额。

计算账户大小

计算基础铸币账户加上 InterestBearingConfig 扩展所需的 mint account 大小。这是在 CreateAccount 中使用的大小。

计算租金

使用铸币账户加上 InterestBearingConfig 扩展所需的大小来计算 rent。

创建铸币账户

使用计算出的空间和 lamport 创建 mint account。

初始化 InterestBearingConfig

在铸币账户上初始化 InterestBearingConfig 扩展。

初始化铸币账户

在同一交易中使用 InitializeMint 初始化铸币账户。

创建代币账户并铸造代币

为铸币账户创建一个 token account,然后向该 token account 铸造代币。

使用链下辅助函数计算 UI 金额

获取铸币账户和时钟系统变量,然后在不发送交易的情况下计算 UI 金额。

Example
const client = await createClient()
.use(generatedPayer())
.use(
solanaRpc({
rpcUrl: "http://localhost:8899",
rpcSubscriptionsUrl: "ws://localhost:8900"
})
)
.use(rpcAirdrop())
.use(airdropPayer(lamports(1_000_000_000n)));
const mint = await generateKeyPairSigner();
const interestBearingExtension = extension("InterestBearingConfig", {
rateAuthority: client.payer.address,
initializationTimestamp: BigInt(Math.floor(Date.now() / 1000)),
lastUpdateTimestamp: BigInt(Math.floor(Date.now() / 1000)),
preUpdateAverageRate: 30000,
currentRate: 30000
});
const mintSpace = BigInt(getMintSize([interestBearingExtension]));

指令顺序

InterestBearingMintInstruction::Initialize 必须在 InitializeMint 之前执行。CreateAccountInterestBearingMintInstruction::InitializeInitializeMint 必须包含在同一笔交易中。

源代码参考

项目描述源代码
InterestBearingConfig存储利率授权、时间戳以及当前和历史利率的铸币扩展。源代码
InterestBearingMintInstruction::InitializeInitializeMint 之前初始化计息配置的指令。源代码
InterestBearingMintInstruction::UpdateRate更改铸币当前利率的指令。源代码
AmountToUiAmount使用铸币的活动配置返回代币数量的当前 UI 金额字符串的指令。源代码
InterestBearingConfig::amount_to_ui_amount将代币数量转换为指定时间戳的含利息 UI 金额的辅助函数。源代码
process_initialize初始化 InterestBearingConfig 并记录初始时间戳和利率的处理器逻辑。源代码
process_update_rate更新当前利率、重新计算时间加权平均利率并记录更新时间戳的处理器逻辑。源代码
process_amount_to_ui_amount使用铸币的活动计息配置返回 UI 金额字符串的处理器逻辑。源代码

Typescript

下面的 Kit 示例直接使用生成的指令。使用 @solana/web3.js@solana/spl-token 的旧版示例仅供参考。

Kit

Instructions
import {
lamports,
createClient,
appendTransactionMessageInstructions,
createTransactionMessage,
generateKeyPairSigner,
getBase64EncodedWireTransaction,
pipe,
setTransactionMessageFeePayerSigner,
setTransactionMessageLifetimeUsingBlockhash,
signTransactionMessageWithSigners,
unwrapOption
} from "@solana/kit";
import { solanaRpc, rpcAirdrop } from "@solana/kit-plugin-rpc";
import { generatedPayer, airdropPayer } from "@solana/kit-plugin-signer";
import { getCreateAccountInstruction } from "@solana-program/system";
import {
amountToUiAmountForMintWithoutSimulation,
extension,
fetchMint,
findAssociatedTokenPda,
getAmountToUiAmountInstruction,
getCreateAssociatedTokenInstructionAsync,
getInitializeInterestBearingMintInstruction,
getInitializeMintInstruction,
getMintSize,
getMintToCheckedInstruction,
getUpdateRateInterestBearingMintInstruction,
isExtension,
TOKEN_2022_PROGRAM_ADDRESS
} from "@solana-program/token-2022";
const client = await createClient()
.use(generatedPayer())
.use(
solanaRpc({
rpcUrl: "http://localhost:8899",
rpcSubscriptionsUrl: "ws://localhost:8900"
})
)
.use(rpcAirdrop())
.use(airdropPayer(lamports(1_000_000_000n)));
const mint = await generateKeyPairSigner();
const recipient = await generateKeyPairSigner();
const tokenAmount = 1_000_000_000_000n;
const interestBearingExtension = extension("InterestBearingConfig", {
rateAuthority: client.payer.address,
initializationTimestamp: BigInt(Math.floor(Date.now() / 1000)),
lastUpdateTimestamp: BigInt(Math.floor(Date.now() / 1000)),
preUpdateAverageRate: 30000,
currentRate: 30000
});
const mintSpace = BigInt(getMintSize([interestBearingExtension]));
const mintRent = await client.rpc
.getMinimumBalanceForRentExemption(mintSpace)
.send();
const [tokenAccount] = await findAssociatedTokenPda({
mint: mint.address,
owner: recipient.address,
tokenProgram: TOKEN_2022_PROGRAM_ADDRESS
});
await client.sendTransaction([
getCreateAccountInstruction({
payer: client.payer, // Account funding the new mint account.
newAccount: mint, // New mint account to create.
lamports: mintRent, // Lamports funding the mint account rent.
space: mintSpace, // Account size in bytes for the mint plus InterestBearingConfig.
programAddress: TOKEN_2022_PROGRAM_ADDRESS // Program that owns the mint account.
}),
getInitializeInterestBearingMintInstruction({
mint: mint.address, // Mint account that stores the InterestBearingConfig extension.
rateAuthority: client.payer.address, // Authority allowed to update the interest rate later.
rate: 30000 // Interest rate in basis points.
}),
getInitializeMintInstruction({
mint: mint.address, // Mint account to initialize.
decimals: 0, // Number of decimals for the token.
mintAuthority: client.payer.address, // Authority allowed to mint new tokens.
freezeAuthority: client.payer.address // Authority allowed to freeze token accounts.
})
]);
await client.sendTransaction([
await getCreateAssociatedTokenInstructionAsync({
payer: client.payer, // Account funding the associated token account creation.
mint: mint.address, // Mint for the associated token account.
owner: recipient.address // Owner of the token account.
}),
getMintToCheckedInstruction({
mint: mint.address, // Mint account that issues the tokens.
token: tokenAccount, // Token account receiving the newly minted tokens.
mintAuthority: client.payer, // Signer authorized to mint new tokens.
amount: tokenAmount, // Token amount in base units.
decimals: 0 // Decimals defined on the mint.
})
]);
await new Promise((resolve) => setTimeout(resolve, 2_000));
const calculatedUiAmount = await amountToUiAmountForMintWithoutSimulation(
client.rpc,
mint.address,
tokenAmount
);
const amountToUiInstruction = getAmountToUiAmountInstruction({
mint: mint.address, // Mint whose UI amount conversion is being simulated.
amount: tokenAmount // Token amount in base units.
});
const { value: latestBlockhash } = await client.rpc.getLatestBlockhash().send();
const amountToUiMessage = pipe(
createTransactionMessage({ version: 0 }),
(tx) => setTransactionMessageFeePayerSigner(client.payer, tx),
(tx) => setTransactionMessageLifetimeUsingBlockhash(latestBlockhash, tx),
(tx) => appendTransactionMessageInstructions([amountToUiInstruction], tx)
);
const signedAmountToUiMessage =
await signTransactionMessageWithSigners(amountToUiMessage);
const simulation = await client.rpc
.simulateTransaction(
getBase64EncodedWireTransaction(signedAmountToUiMessage),
{
encoding: "base64"
}
)
.send();
const simulatedUiAmount = Buffer.from(
simulation.value.returnData?.data?.[0] ?? "",
"base64"
).toString("utf8");
const updateRateInstruction = getUpdateRateInterestBearingMintInstruction({
mint: mint.address, // Mint account that stores the InterestBearingConfig extension.
rateAuthority: client.payer, // Signer authorized to update the interest rate.
rate: 15000 // New interest rate in basis points.
});
await client.sendTransaction([updateRateInstruction]);
const mintAccount = await fetchMint(client.rpc, mint.address);
const interestBearingConfig = (
unwrapOption(mintAccount.data.extensions) ?? []
).find((item) => isExtension("InterestBearingConfig", item));
console.log("Mint Address:", mint.address);
console.log("Token Account:", tokenAccount);
console.log("Calculated UI Amount:", calculatedUiAmount);
console.log("Simulated UI Amount:", simulatedUiAmount);
console.log("InterestBearingConfig:", interestBearingConfig);
Console
Click to execute the code.

Web3.js

Instructions
import {
Connection,
Keypair,
sendAndConfirmTransaction,
SystemProgram,
Transaction,
LAMPORTS_PER_SOL
} from "@solana/web3.js";
import {
ASSOCIATED_TOKEN_PROGRAM_ID,
amountToUiAmountForMintWithoutSimulation,
createAmountToUiAmountInstruction,
createAssociatedTokenAccountInstruction,
createInitializeMintInstruction,
createInitializeInterestBearingMintInstruction,
createMintToCheckedInstruction,
createUpdateRateInterestBearingMintInstruction,
ExtensionType,
getAssociatedTokenAddressSync,
getInterestBearingMintConfigState,
getMint,
getMintLen,
TOKEN_2022_PROGRAM_ID
} from "@solana/spl-token";
const connection = new Connection("http://localhost:8899", "confirmed");
const latestBlockhash = await connection.getLatestBlockhash();
const feePayer = Keypair.generate();
const recipient = Keypair.generate();
const tokenAmount = 1_000_000_000_000n;
const airdropSignature = await connection.requestAirdrop(
feePayer.publicKey,
5 * LAMPORTS_PER_SOL
);
await connection.confirmTransaction({
blockhash: latestBlockhash.blockhash,
lastValidBlockHeight: latestBlockhash.lastValidBlockHeight,
signature: airdropSignature
});
const extensions = [ExtensionType.InterestBearingConfig];
const mint = Keypair.generate();
const mintLength = getMintLen(extensions);
const mintRent = await connection.getMinimumBalanceForRentExemption(mintLength);
const tokenAccount = getAssociatedTokenAddressSync(
mint.publicKey,
recipient.publicKey,
false,
TOKEN_2022_PROGRAM_ID,
ASSOCIATED_TOKEN_PROGRAM_ID
);
const createMintAccountInstruction = SystemProgram.createAccount({
fromPubkey: feePayer.publicKey, // Account funding the new mint account.
newAccountPubkey: mint.publicKey, // New mint account to create.
space: mintLength, // Account size in bytes for the mint plus InterestBearingConfig.
lamports: mintRent, // Lamports funding the mint account rent.
programId: TOKEN_2022_PROGRAM_ID // Program that owns the mint account.
});
const initializeInterestBearingInstruction =
createInitializeInterestBearingMintInstruction(
mint.publicKey, // Mint account that stores the InterestBearingConfig extension.
feePayer.publicKey, // Authority allowed to update the interest rate later.
30000, // Interest rate in basis points.
TOKEN_2022_PROGRAM_ID // Token program that owns the mint.
);
const initializeMintInstruction = createInitializeMintInstruction(
mint.publicKey, // Mint account to initialize.
0, // Number of decimals for the token.
feePayer.publicKey, // Authority allowed to mint new tokens.
feePayer.publicKey, // Authority allowed to freeze token accounts.
TOKEN_2022_PROGRAM_ID // Program that owns the mint account.
);
const createTokenAccountInstruction = createAssociatedTokenAccountInstruction(
feePayer.publicKey, // Account funding the associated token account creation.
tokenAccount, // Associated token account address to create.
recipient.publicKey, // Owner of the token account.
mint.publicKey, // Mint for the associated token account.
TOKEN_2022_PROGRAM_ID, // Token program that owns the token account.
ASSOCIATED_TOKEN_PROGRAM_ID // Associated Token Program that creates the account.
);
const mintToTokenAccountInstruction = createMintToCheckedInstruction(
mint.publicKey, // Mint account that issues the tokens.
tokenAccount, // Token account receiving the newly minted tokens.
feePayer.publicKey, // Signer authorized to mint new tokens.
tokenAmount, // Token amount in base units.
0, // Decimals defined on the mint.
[], // Additional multisig signers.
TOKEN_2022_PROGRAM_ID // Token program that owns the mint and token account.
);
await sendAndConfirmTransaction(
connection,
new Transaction({
feePayer: feePayer.publicKey,
blockhash: latestBlockhash.blockhash,
lastValidBlockHeight: latestBlockhash.lastValidBlockHeight
}).add(
createMintAccountInstruction,
initializeInterestBearingInstruction,
initializeMintInstruction
),
[feePayer, mint]
);
await sendAndConfirmTransaction(
connection,
new Transaction().add(
createTokenAccountInstruction,
mintToTokenAccountInstruction
),
[feePayer]
);
await new Promise((resolve) => setTimeout(resolve, 2_000));
const calculatedUiAmount = await amountToUiAmountForMintWithoutSimulation(
connection,
mint.publicKey,
tokenAmount
);
const amountToUiInstruction = createAmountToUiAmountInstruction(
mint.publicKey, // Mint whose UI amount conversion is being simulated.
tokenAmount, // Token amount in base units.
TOKEN_2022_PROGRAM_ID // Token program that owns the mint.
);
const amountToUiSimulation = await connection.simulateTransaction(
new Transaction().add(amountToUiInstruction),
[feePayer],
false
);
const simulatedUiAmount = Buffer.from(
amountToUiSimulation.value.returnData?.data?.[0] ?? "",
"base64"
).toString("utf8");
const updateRateInstruction = createUpdateRateInterestBearingMintInstruction(
mint.publicKey, // Mint account that stores the InterestBearingConfig extension.
feePayer.publicKey, // Signer authorized to update the interest rate.
15000, // New interest rate in basis points.
[], // Additional multisig signers.
TOKEN_2022_PROGRAM_ID // Token program that owns the mint.
);
await sendAndConfirmTransaction(
connection,
new Transaction().add(updateRateInstruction),
[feePayer]
);
const mintAccount = await getMint(
connection,
mint.publicKey,
"confirmed",
TOKEN_2022_PROGRAM_ID
);
const interestBearingConfig = getInterestBearingMintConfigState(mintAccount);
console.log("Mint Address:", mint.publicKey.toBase58());
console.log("Token Account:", tokenAccount.toBase58());
console.log("Calculated UI Amount:", calculatedUiAmount);
console.log("Simulated UI Amount:", simulatedUiAmount);
console.log("InterestBearingConfig:", interestBearingConfig);
Console
Click to execute the code.

Rust

Rust
use anyhow::{anyhow, Result};
use base64::prelude::{Engine as _, BASE64_STANDARD};
use solana_client::nonblocking::rpc_client::RpcClient;
use solana_commitment_config::CommitmentConfig;
use solana_sdk::{
sysvar::clock::{self, Clock},
signature::{Keypair, Signer},
transaction::Transaction,
};
use solana_system_interface::instruction::create_account;
use spl_associated_token_account_interface::{
address::get_associated_token_address_with_program_id,
instruction::create_associated_token_account,
};
use spl_token_2022_interface::{
extension::{
interest_bearing_mint::{
instruction::{
initialize as initialize_interest_bearing_instruction, update_rate,
},
InterestBearingConfig,
},
BaseStateWithExtensions, ExtensionType, StateWithExtensions,
},
instruction::{amount_to_ui_amount, initialize_mint, mint_to_checked},
state::Mint,
ID as TOKEN_2022_PROGRAM_ID,
};
#[tokio::main]
async fn main() -> Result<()> {
let client = RpcClient::new_with_commitment(
String::from("http://localhost:8899"),
CommitmentConfig::confirmed(),
);
let fee_payer = Keypair::new();
let recipient = Keypair::new();
let token_amount = 1_000_000_000_000u64;
let airdrop_signature = client
.request_airdrop(&fee_payer.pubkey(), 5_000_000_000)
.await?;
loop {
let confirmed = client.confirm_transaction(&airdrop_signature).await?;
if confirmed {
break;
}
}
let mint = Keypair::new();
let mint_space =
ExtensionType::try_calculate_account_len::<Mint>(&[ExtensionType::InterestBearingConfig])?;
let mint_rent = client
.get_minimum_balance_for_rent_exemption(mint_space)
.await?;
let create_mint_account_instruction = create_account(
&fee_payer.pubkey(), // Account funding the new mint account.
&mint.pubkey(), // New mint account to create.
mint_rent, // Lamports funding the mint account rent.
mint_space as u64, // Account size in bytes for the mint plus InterestBearingConfig.
&TOKEN_2022_PROGRAM_ID, // Program that owns the mint account.
);
let initialize_interest_bearing_instruction = initialize_interest_bearing_instruction(
&TOKEN_2022_PROGRAM_ID, // Token program that owns the mint.
&mint.pubkey(), // Mint account that stores the InterestBearingConfig extension.
Some(fee_payer.pubkey()), // Authority allowed to update the interest rate later.
30000, // Interest rate in basis points.
)?;
let initialize_mint_instruction = initialize_mint(
&TOKEN_2022_PROGRAM_ID, // Program that owns the mint account.
&mint.pubkey(), // Mint account to initialize.
&fee_payer.pubkey(), // Authority allowed to mint new tokens.
Some(&fee_payer.pubkey()), // Authority allowed to freeze token accounts.
0, // Number of decimals for the token.
)?;
let create_mint_transaction = Transaction::new_signed_with_payer(
&[
create_mint_account_instruction,
initialize_interest_bearing_instruction,
initialize_mint_instruction,
],
Some(&fee_payer.pubkey()),
&[&fee_payer, &mint],
client.get_latest_blockhash().await?,
);
client
.send_and_confirm_transaction(&create_mint_transaction)
.await?;
let token_account = get_associated_token_address_with_program_id(
&recipient.pubkey(),
&mint.pubkey(),
&TOKEN_2022_PROGRAM_ID,
);
let create_token_account_instruction = create_associated_token_account(
&fee_payer.pubkey(), // Account funding the associated token account creation.
&recipient.pubkey(), // Owner of the token account.
&mint.pubkey(), // Mint for the associated token account.
&TOKEN_2022_PROGRAM_ID, // Token program that owns the token account.
);
let mint_to_token_account_instruction = mint_to_checked(
&TOKEN_2022_PROGRAM_ID, // Token program that owns the mint and token account.
&mint.pubkey(), // Mint account that issues the tokens.
&token_account, // Token account receiving the newly minted tokens.
&fee_payer.pubkey(), // Signer authorized to mint new tokens.
&[], // Additional multisig signers.
token_amount, // Token amount in base units.
0, // Decimals defined on the mint.
)?;
let create_token_account_transaction = Transaction::new_signed_with_payer(
&[
create_token_account_instruction,
mint_to_token_account_instruction,
],
Some(&fee_payer.pubkey()),
&[&fee_payer],
client.get_latest_blockhash().await?,
);
client
.send_and_confirm_transaction(&create_token_account_transaction)
.await?;
tokio::time::sleep(std::time::Duration::from_secs(2)).await;
let mint_account = client.get_account(&mint.pubkey()).await?;
let mint_state = StateWithExtensions::<Mint>::unpack(&mint_account.data)?;
let interest_bearing_config = mint_state.get_extension::<InterestBearingConfig>()?;
let clock_account = client.get_account(&clock::ID).await?;
let clock: Clock = clock_account.deserialize_data()?;
let calculated_ui_amount = interest_bearing_config
.amount_to_ui_amount(token_amount, mint_state.base.decimals, clock.unix_timestamp)
.ok_or_else(|| anyhow!("Failed to calculate UI amount"))?;
let amount_to_ui_instruction = amount_to_ui_amount(
&TOKEN_2022_PROGRAM_ID, // Token program that owns the mint.
&mint.pubkey(), // Mint whose UI amount conversion is being simulated.
token_amount, // Token amount in base units.
)?;
let amount_to_ui_blockhash = client.get_latest_blockhash().await?;
let amount_to_ui_transaction = Transaction::new_signed_with_payer(
&[amount_to_ui_instruction],
Some(&fee_payer.pubkey()),
&[&fee_payer],
amount_to_ui_blockhash,
);
let amount_to_ui_result = client.simulate_transaction(&amount_to_ui_transaction).await?;
let simulated_ui_amount = String::from_utf8(
BASE64_STANDARD.decode(
amount_to_ui_result
.value
.return_data
.ok_or_else(|| anyhow!("Expected AmountToUiAmount return data"))?
.data
.0,
)?,
)?;
let update_rate_instruction = update_rate(
&TOKEN_2022_PROGRAM_ID, // Token program that owns the mint.
&mint.pubkey(), // Mint account that stores the InterestBearingConfig extension.
&fee_payer.pubkey(), // Signer authorized to update the interest rate.
&[], // Additional multisig signers.
15000, // New interest rate in basis points.
)?;
let update_rate_transaction = Transaction::new_signed_with_payer(
&[update_rate_instruction],
Some(&fee_payer.pubkey()),
&[&fee_payer],
client.get_latest_blockhash().await?,
);
client
.send_and_confirm_transaction(&update_rate_transaction)
.await?;
let updated_mint_account = client.get_account(&mint.pubkey()).await?;
let updated_mint_state = StateWithExtensions::<Mint>::unpack(&updated_mint_account.data)?;
let interest_bearing_config = updated_mint_state.get_extension::<InterestBearingConfig>()?;
println!("Mint Address: {}", mint.pubkey());
println!("Token Account: {}", token_account);
println!("Calculated UI Amount: {}", calculated_ui_amount);
println!("Simulated UI Amount: {}", simulated_ui_amount);
println!("InterestBearingConfig: {:#?}", interest_bearing_config);
Ok(())
}
Console
Click to execute the code.

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