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March 19, 2026 · 4 min read

What Is an SPL Token? Solana Token Standard Explained

SPL tokens are the foundation of the Solana ecosystem. If you want to launch a token, run a DAO, or build a DeFi protocol on Solana, you are working with SPL tokens. Here is everything you need to know.

SPL Stands for Solana Program Library

The Solana Program Library (SPL) is a collection of on-chain programs maintained by the Solana Labs team. The SPL Token program defines how fungible tokens are created, transferred, minted and burned on Solana. Every fungible token on Solana - including USDC, RAY, JUP and thousands of community tokens - is an SPL token.

How SPL Tokens Work

An SPL token consists of three key accounts:

Mint Account
The authoritative record of the token - defines supply, decimals, and who can mint or freeze.
Token Account (ATA)
Each wallet that holds the token gets an Associated Token Account, a dedicated account for that token/wallet pair.
Metadata Account
Stores name, symbol, logo URI and other off-chain metadata via the Metaplex standard.

SPL Token vs ERC-20

SPL Token (Solana)ERC-20 (Ethereum)
Transaction speed~400ms12-15 seconds
Transaction cost~$0.00025$1-50+
Token standardSPL Token ProgramERC-20 Contract
MetadataMetaplex on-chainOff-chain (tokenlist)
Token-2022 extensionsYes (transfer fees, etc.)Via custom contracts

SPL vs Token-2022

Token-2022 (also called Token Extensions) is the next generation of the SPL standard. It adds features like transfer fees, interest-bearing tokens, permanent delegate, non-transferable tokens and confidential transfers. Most new projects still use classic SPL for maximum wallet and DEX compatibility. But Token-2022 adoption is growing quickly.

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