diff --git a/TASK-token-migration.md b/TASK-token-migration.md
new file mode 100644
index 0000000..83bb7cb
--- /dev/null
+++ b/TASK-token-migration.md
@@ -0,0 +1,79 @@
+# TASK — перевод смарт-контракта smart-updown на фантики (SPL-токен)
+
+Репозиторий: `smart-updown-token` (копия `Smart-game`, ветка `main`). Оригинал НЕ трогаем.
+
+> Работаем ТОЛЬКО `program/programs/smart-updown/src/**`. Остальное (relayer, deploy) не менять
+> в этом проходе.
+
+## Цель
+
+Контракт сейчас принимает/выплачивает **нативный SOL (lamports)** через `system_program` и
+`add/sub_lamports`. Перевести на **наши фантики = SPL-token** (обычный SPL Token, НЕ Token-2022 —
+для MVP берём простой стандарт; swap на pump.fun конвертит SOL↔фантики безотносительно стандарта).
+
+**Логика игры не меняется:** ставка вверх/вниз по цене SOL, `entry_price`/`exit_price` — обычные
+u64 и сравниваются как раньше. Меняется ТОЛЬКО норма расчётов (валюта): с lamports на токен-единицы.
+
+## Что изменится
+
+### 1. `state.rs`
+- Поля `Global` остаются (counter, min/max_amount, multiplier_bps, expiry_seconds, paused, admin, relayer).
+  `min_amount`/`max_amount` теперь = **токен-единицы**, не lamports. (decimals=6; логика количеств не меняется, просто ценовая шкала).
+- `Bet` — без изменений (amount = токен-единицы).
+
+### 2. `create_bet.rs`
+- Добавить аккаунты (через `anchor_spl::token::Token`):
+  - `bettor_token: Account<'info, TokenAccount>` (ATA игрока, `#[account(mut)]`) — откуда списываем фантики.
+  - `vault_token: Account<'info, TokenAccount>` (ATA на global, `#[account(seeds=[GLOBAL_SEED], bump)]`, `mut`) — куда кладём.
+  - `token_program: Program<'info, Token>`.
+- Заменить блок `system_program::transfer(...)` на `anchor_spl::token::transfer(...)`:
+  из `bettor_token` в `vault_token`, `amount`.
+- `bettor` остаётся `Signer`, но теперь просто auth (токен-подпись).
+
+### 3. `close_bet.rs`
+- Добавить:
+  - `vault_token: Account<'info, TokenAccount>` (`mut`, seeds GLOBAL_SEED) — источник фантиков.
+  - `bettor_token: Account<'info, TokenAccount>` (`mut`) — куда платим.
+  - `token_program: Program<'info, Token>`.
+- Заменить ваулт-логику: вместо `add/sub_lamports` у global — `token::transfer` из `vault_token`
+  в `bettor_token` на `payout`.
+- `global` больше НЕ касса SOL — убрать `SystemAccount`-требование; `bettor` в `close_bet` можно убрать
+  из аккаунтов (адрес в `bet.bettor` уже есть), но для обратной совместимости можно оставить как `SystemAccount` (не мутируя).
+- Проверка `global.get_lamports() >= payout` заменяется на проверку баланса `vault_token.amount >= payout`
+  (или просто положиться на token::transfer failure — но лучше явно проверить `InsufficientVault`).
+
+### 4. `initialize.rs` / `update.rs`
+- Убедиться, что `min/max_amount` интерпретируются как токен-единицы. Если в `initialize` передаются
+  как lamports — просто поменять смысл (или оставить, числа вводим в токен-единицах). Логику не трогаем.
+
+### 5. Cargo.toml
+- Добавить зависимость: `anchor-spl = "0.31.1"` (даёт `anchor_spl::token`).
+
+### 6. IDL (idl/*.json)
+- Обновить после сборки (`anchor build` регенерит). Новые аккаунты в create_bet/close_bet.
+
+## Требования (гейты)
+
+1. Каждый шаг компилируется: `anchor build` (или `cargo build-sbf`) — БЕЗ ошибок.
+2. В конце: `anchor build` зелёный + обновлённый IDL.
+3. Семантика: create_bet берёт фантики с bettor на ваулт; close_bet платит фантики с ваулта на bettor.
+4. Тесты (`program/tests/`) — обновить под токен (создать mint, ATA, задеплоить), прогнать `anchor test`.
+
+## Порядок работы (шаг за шагом, компиляз после каждого)
+
+- **Шаг 1** — Cargo.toml: + анchor-spl.
+- **Шаг 2** — state.rs: только комментарий (min/max = токен-единицы), без изменения полей.
+- **Шаг 3** — create_bet.rs: добавить токен-аккаунты + `token::transfer`.
+- **Шаг 4** — close_bet.rs: добавить токен-аккаунты + `token::transfer` из ваулта на bettor.
+- **Шаг 5** — IDL реген + тесты.
+- **Шаг 6** — финальный `anchor test` зелёный.
+
+## ЧЕГО НЕ ДЕЛАТЬ
+- Не трогать логику «вверх/вниз», entry/exit_price, статусы.
+- Не менять relayer/скрипты деплоя.
+- Не коммитить (всё остаётся в рабочем дереве до приёмки человеком).
+
+## Проверка
+- `anchor build` — 0 ошибок.
+- `anchor test` (или `cargo test` в program) — зелёный.
+- Все новые аккаунты корректно работают с токен-кейсами (mint, ATA, ваулт).
\ No newline at end of file
diff --git a/idl/smart_updown.json b/idl/smart_updown.json
index 74b4b4f..6401805 100644
--- a/idl/smart_updown.json
+++ b/idl/smart_updown.json
@@ -10,7 +10,14 @@
     {
       "name": "close_bet",
       "discriminator": [
-        2
+        185,
+        206,
+        13,
+        184,
+        176,
+        108,
+        140,
+        107
       ],
       "accounts": [
         {
@@ -57,15 +64,54 @@
           }
         },
         {
-          "name": "bettor",
-          "docs": [
-            "CHECK: recipient must be the bet's bettor and is validated in the handler."
-          ],
-          "writable": true
+          "name": "bettor"
         },
         {
           "name": "clock",
           "address": "SysvarC1ock11111111111111111111111111111111"
+        },
+        {
+          "name": "vault_token",
+          "docs": [
+            "Program-owned token vault: PDA([GLOBAL_SEED, VAULT_SEED]); payouts are paid out from here."
+          ],
+          "writable": true,
+          "pda": {
+            "seeds": [
+              {
+                "kind": "const",
+                "value": [
+                  103,
+                  108,
+                  111,
+                  98,
+                  97,
+                  108
+                ]
+              },
+              {
+                "kind": "const",
+                "value": [
+                  118,
+                  97,
+                  117,
+                  108,
+                  116
+                ]
+              }
+            ]
+          }
+        },
+        {
+          "name": "bettor_token",
+          "docs": [
+            "Bettor's SPL-token account; the payout is sent here."
+          ],
+          "writable": true
+        },
+        {
+          "name": "token_program",
+          "address": "TokenkegQfeZyiNwAJbNbGKPFXCWuBvf9Ss623VQ5DA"
         }
       ],
       "args": [
@@ -82,7 +128,14 @@
     {
       "name": "create_bet",
       "discriminator": [
-        1
+        197,
+        42,
+        153,
+        2,
+        59,
+        63,
+        143,
+        246
       ],
       "accounts": [
         {
@@ -136,6 +189,49 @@
         {
           "name": "system_program",
           "address": "11111111111111111111111111111111"
+        },
+        {
+          "name": "bettor_token",
+          "docs": [
+            "Bettor's SPL-token account (our \"fanti\" mint); bet amount is pulled from here."
+          ],
+          "writable": true
+        },
+        {
+          "name": "vault_token",
+          "docs": [
+            "Program-owned token vault: PDA([GLOBAL_SEED, VAULT_SEED]); bet amounts are escrowed here."
+          ],
+          "writable": true,
+          "pda": {
+            "seeds": [
+              {
+                "kind": "const",
+                "value": [
+                  103,
+                  108,
+                  111,
+                  98,
+                  97,
+                  108
+                ]
+              },
+              {
+                "kind": "const",
+                "value": [
+                  118,
+                  97,
+                  117,
+                  108,
+                  116
+                ]
+              }
+            ]
+          }
+        },
+        {
+          "name": "token_program",
+          "address": "TokenkegQfeZyiNwAJbNbGKPFXCWuBvf9Ss623VQ5DA"
         }
       ],
       "args": [
@@ -160,7 +256,14 @@
     {
       "name": "initialize",
       "discriminator": [
-        0
+        175,
+        175,
+        109,
+        31,
+        13,
+        152,
+        155,
+        237
       ],
       "accounts": [
         {
@@ -214,7 +317,14 @@
     {
       "name": "update",
       "discriminator": [
-        3
+        219,
+        200,
+        88,
+        176,
+        158,
+        63,
+        253,
+        127
       ],
       "accounts": [
         {
@@ -380,10 +490,9 @@
   "types": [
     {
       "name": "Bet",
-      "serialization": "bytemuck",
-      "repr": {
-        "kind": "c"
-      },
+      "docs": [
+        "Open bet. `amount` is in token base units (decimals = 6), not lamports."
+      ],
       "type": {
         "kind": "struct",
         "fields": [
@@ -488,10 +597,13 @@
     },
     {
       "name": "Global",
-      "serialization": "bytemuck",
-      "repr": {
-        "kind": "c"
-      },
+      "docs": [
+        "Global game state.",
+        "",
+        "All money-related fields are denominated in **SPL-token base units**",
+        "(our \"fanti\" token, decimals = 6), not in lamports:",
+        "`min_amount`/`max_amount` bound a bet amount in token units."
+      ],
       "type": {
         "kind": "struct",
         "fields": [
@@ -541,6 +653,15 @@
       "name": "GLOBAL_SEED",
       "type": "bytes",
       "value": "[103, 108, 111, 98, 97, 108]"
+    },
+    {
+      "name": "VAULT_SEED",
+      "docs": [
+        "Vault PDA seed: the token vault lives at PDA([GLOBAL_SEED, VAULT_SEED]).",
+        "It cannot reuse GLOBAL_SEED alone — that PDA address is the `global` state account itself."
+      ],
+      "type": "bytes",
+      "value": "[118, 97, 117, 108, 116]"
     }
   ]
-}
\ No newline at end of file
+}
diff --git a/program/Cargo.lock b/program/Cargo.lock
index 581cebb..7c2f9a5 100644
--- a/program/Cargo.lock
+++ b/program/Cargo.lock
@@ -294,6 +294,7 @@ dependencies = [
  "anchor-derive-accounts",
  "anchor-derive-serde",
  "anchor-derive-space",
+ "anchor-lang-idl",
  "base64 0.21.7",
  "bincode",
  "borsh 0.10.4",
@@ -311,6 +312,7 @@ dependencies = [
  "anchor-lang-idl-spec",
  "anyhow",
  "heck 0.3.3",
+ "regex",
  "serde",
  "serde_json",
  "sha2 0.10.9",
@@ -326,6 +328,21 @@ dependencies = [
  "serde",
 ]
 
+[[package]]
+name = "anchor-spl"
+version = "0.31.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "3c08cb5d762c0694f74bd02c9a5b04ea53cefc496e2c27b3234acffca5cd076b"
+dependencies = [
+ "anchor-lang",
+ "spl-associated-token-account",
+ "spl-pod",
+ "spl-token",
+ "spl-token-2022",
+ "spl-token-group-interface",
+ "spl-token-metadata-interface",
+]
+
 [[package]]
 name = "anchor-syn"
 version = "0.31.1"
@@ -334,6 +351,7 @@ checksum = "5dc7a6d90cc643df0ed2744862cdf180587d1e5d28936538c18fc8908489ed67"
 dependencies = [
  "anyhow",
  "bs58",
+ "cargo_toml",
  "heck 0.3.3",
  "proc-macro2",
  "quote",
@@ -892,6 +910,16 @@ dependencies = [
  "libc",
 ]
 
+[[package]]
+name = "cargo_toml"
+version = "0.19.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "a98356df42a2eb1bd8f1793ae4ee4de48e384dd974ce5eac8eee802edb7492be"
+dependencies = [
+ "serde",
+ "toml 0.8.23",
+]
+
 [[package]]
 name = "cc"
 version = "1.4.4"
@@ -3171,7 +3199,7 @@ version = "0.1.5"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "1d6ea3c4595b96363c13943497db34af4460fb474a95c43f4446ad341b8c9785"
 dependencies = [
- "toml",
+ "toml 0.5.11",
 ]
 
 [[package]]
@@ -3180,7 +3208,7 @@ version = "3.5.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "e67ba7e9b2b56446f1d419b1d807906278ffa1a658a8a5d8a39dcb1f5a78614f"
 dependencies = [
- "toml_edit",
+ "toml_edit 0.25.13+spec-1.1.0",
 ]
 
 [[package]]
@@ -3854,6 +3882,15 @@ dependencies = [
  "zmij",
 ]
 
+[[package]]
+name = "serde_spanned"
+version = "0.6.9"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "bf41e0cfaf7226dca15e8197172c295a782857fcb97fad1808a166870dee75a3"
+dependencies = [
+ "serde",
+]
+
 [[package]]
 name = "serde_urlencoded"
 version = "0.7.1"
@@ -4035,6 +4072,8 @@ name = "smart-updown"
 version = "0.1.0"
 dependencies = [
  "anchor-lang",
+ "anchor-spl",
+ "solana-account",
  "solana-client",
  "solana-clock",
  "solana-keypair",
@@ -4042,6 +4081,8 @@ dependencies = [
  "solana-pubkey",
  "solana-signer",
  "solana-transaction",
+ "spl-associated-token-account",
+ "spl-token",
  "tokio",
 ]
 
@@ -6046,6 +6087,12 @@ dependencies = [
  "solana-sdk-ids",
 ]
 
+[[package]]
+name = "solana-security-txt"
+version = "1.1.3"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "c94a02d486b28f219a4f8f5d7dd93cbfbb93c9f466cb7871c22e50cd5ae9a7a2"
+
 [[package]]
 name = "solana-seed-derivable"
 version = "2.2.1"
@@ -6977,6 +7024,81 @@ dependencies = [
  "lock_api",
 ]
 
+[[package]]
+name = "spl-associated-token-account"
+version = "6.0.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "76fee7d65013667032d499adc3c895e286197a35a0d3a4643c80e7fd3e9969e3"
+dependencies = [
+ "borsh 1.8.1",
+ "num-derive",
+ "num-traits",
+ "solana-program",
+ "spl-associated-token-account-client",
+ "spl-token",
+ "spl-token-2022",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-associated-token-account-client"
+version = "2.0.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "d6f8349dbcbe575f354f9a533a21f272f3eb3808a49e2fdc1c34393b88ba76cb"
+dependencies = [
+ "solana-instruction",
+ "solana-pubkey",
+]
+
+[[package]]
+name = "spl-discriminator"
+version = "0.4.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "a7398da23554a31660f17718164e31d31900956054f54f52d5ec1be51cb4f4b3"
+dependencies = [
+ "bytemuck",
+ "solana-program-error",
+ "solana-sha256-hasher",
+ "spl-discriminator-derive",
+]
+
+[[package]]
+name = "spl-discriminator-derive"
+version = "0.2.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "d9e8418ea6269dcfb01c712f0444d2c75542c04448b480e87de59d2865edc750"
+dependencies = [
+ "quote",
+ "spl-discriminator-syn",
+ "syn 2.0.119",
+]
+
+[[package]]
+name = "spl-discriminator-syn"
+version = "0.2.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "5d1dbc82ab91422345b6df40a79e2b78c7bce1ebb366da323572dd60b7076b67"
+dependencies = [
+ "proc-macro2",
+ "quote",
+ "sha2 0.10.9",
+ "syn 2.0.119",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-elgamal-registry"
+version = "0.1.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ce0f668975d2b0536e8a8fd60e56a05c467f06021dae037f1d0cfed0de2e231d"
+dependencies = [
+ "bytemuck",
+ "solana-program",
+ "solana-zk-sdk",
+ "spl-pod",
+ "spl-token-confidential-transfer-proof-extraction",
+]
+
 [[package]]
 name = "spl-generic-token"
 version = "1.0.1"
@@ -6987,6 +7109,250 @@ dependencies = [
  "solana-pubkey",
 ]
 
+[[package]]
+name = "spl-memo"
+version = "6.0.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "9f09647c0974e33366efeb83b8e2daebb329f0420149e74d3a4bd2c08cf9f7cb"
+dependencies = [
+ "solana-account-info",
+ "solana-instruction",
+ "solana-msg",
+ "solana-program-entrypoint",
+ "solana-program-error",
+ "solana-pubkey",
+]
+
+[[package]]
+name = "spl-pod"
+version = "0.5.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "d994afaf86b779104b4a95ba9ca75b8ced3fdb17ee934e38cb69e72afbe17799"
+dependencies = [
+ "borsh 1.8.1",
+ "bytemuck",
+ "bytemuck_derive",
+ "num-derive",
+ "num-traits",
+ "solana-decode-error",
+ "solana-msg",
+ "solana-program-error",
+ "solana-program-option",
+ "solana-pubkey",
+ "solana-zk-sdk",
+ "thiserror 2.0.20",
+]
+
+[[package]]
+name = "spl-program-error"
+version = "0.6.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "9d39b5186f42b2b50168029d81e58e800b690877ef0b30580d107659250da1d1"
+dependencies = [
+ "num-derive",
+ "num-traits",
+ "solana-program",
+ "spl-program-error-derive",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-program-error-derive"
+version = "0.4.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "e6d375dd76c517836353e093c2dbb490938ff72821ab568b545fd30ab3256b3e"
+dependencies = [
+ "proc-macro2",
+ "quote",
+ "sha2 0.10.9",
+ "syn 2.0.119",
+]
+
+[[package]]
+name = "spl-tlv-account-resolution"
+version = "0.9.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "cd99ff1e9ed2ab86e3fd582850d47a739fec1be9f4661cba1782d3a0f26805f3"
+dependencies = [
+ "bytemuck",
+ "num-derive",
+ "num-traits",
+ "solana-account-info",
+ "solana-decode-error",
+ "solana-instruction",
+ "solana-msg",
+ "solana-program-error",
+ "solana-pubkey",
+ "spl-discriminator",
+ "spl-pod",
+ "spl-program-error",
+ "spl-type-length-value",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-token"
+version = "7.0.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ed320a6c934128d4f7e54fe00e16b8aeaecf215799d060ae14f93378da6dc834"
+dependencies = [
+ "arrayref",
+ "bytemuck",
+ "num-derive",
+ "num-traits",
+ "num_enum",
+ "solana-program",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-token-2022"
+version = "6.0.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "5b27f7405010ef816587c944536b0eafbcc35206ab6ba0f2ca79f1d28e488f4f"
+dependencies = [
+ "arrayref",
+ "bytemuck",
+ "num-derive",
+ "num-traits",
+ "num_enum",
+ "solana-program",
+ "solana-security-txt",
+ "solana-zk-sdk",
+ "spl-elgamal-registry",
+ "spl-memo",
+ "spl-pod",
+ "spl-token",
+ "spl-token-confidential-transfer-ciphertext-arithmetic",
+ "spl-token-confidential-transfer-proof-extraction",
+ "spl-token-confidential-transfer-proof-generation",
+ "spl-token-group-interface",
+ "spl-token-metadata-interface",
+ "spl-transfer-hook-interface",
+ "spl-type-length-value",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-token-confidential-transfer-ciphertext-arithmetic"
+version = "0.2.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "170378693c5516090f6d37ae9bad2b9b6125069be68d9acd4865bbe9fc8499fd"
+dependencies = [
+ "base64 0.22.1",
+ "bytemuck",
+ "solana-curve25519",
+ "solana-zk-sdk",
+]
+
+[[package]]
+name = "spl-token-confidential-transfer-proof-extraction"
+version = "0.2.1"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "eff2d6a445a147c9d6dd77b8301b1e116c8299601794b558eafa409b342faf96"
+dependencies = [
+ "bytemuck",
+ "solana-curve25519",
+ "solana-program",
+ "solana-zk-sdk",
+ "spl-pod",
+ "thiserror 2.0.20",
+]
+
+[[package]]
+name = "spl-token-confidential-transfer-proof-generation"
+version = "0.2.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "8627184782eec1894de8ea26129c61303f1f0adeed65c20e0b10bc584f09356d"
+dependencies = [
+ "curve25519-dalek 4.1.3",
+ "solana-zk-sdk",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-token-group-interface"
+version = "0.5.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "d595667ed72dbfed8c251708f406d7c2814a3fa6879893b323d56a10bedfc799"
+dependencies = [
+ "bytemuck",
+ "num-derive",
+ "num-traits",
+ "solana-decode-error",
+ "solana-instruction",
+ "solana-msg",
+ "solana-program-error",
+ "solana-pubkey",
+ "spl-discriminator",
+ "spl-pod",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-token-metadata-interface"
+version = "0.6.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "dfb9c89dbc877abd735f05547dcf9e6e12c00c11d6d74d8817506cab4c99fdbb"
+dependencies = [
+ "borsh 1.8.1",
+ "num-derive",
+ "num-traits",
+ "solana-borsh",
+ "solana-decode-error",
+ "solana-instruction",
+ "solana-msg",
+ "solana-program-error",
+ "solana-pubkey",
+ "spl-discriminator",
+ "spl-pod",
+ "spl-type-length-value",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-transfer-hook-interface"
+version = "0.9.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "4aa7503d52107c33c88e845e1351565050362c2314036ddf19a36cd25137c043"
+dependencies = [
+ "arrayref",
+ "bytemuck",
+ "num-derive",
+ "num-traits",
+ "solana-account-info",
+ "solana-cpi",
+ "solana-decode-error",
+ "solana-instruction",
+ "solana-msg",
+ "solana-program-error",
+ "solana-pubkey",
+ "spl-discriminator",
+ "spl-pod",
+ "spl-program-error",
+ "spl-tlv-account-resolution",
+ "spl-type-length-value",
+ "thiserror 1.0.69",
+]
+
+[[package]]
+name = "spl-type-length-value"
+version = "0.7.0"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "ba70ef09b13af616a4c987797870122863cba03acc4284f226a4473b043923f9"
+dependencies = [
+ "bytemuck",
+ "num-derive",
+ "num-traits",
+ "solana-account-info",
+ "solana-decode-error",
+ "solana-msg",
+ "solana-program-error",
+ "spl-discriminator",
+ "spl-pod",
+ "thiserror 1.0.69",
+]
+
 [[package]]
 name = "stable_deref_trait"
 version = "1.2.1"
@@ -7157,7 +7523,7 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "32497e9a4c7b38532efcdebeef879707aa9f794296a4f0244f6f69e9bc8574bd"
 dependencies = [
  "fastrand",
- "getrandom 0.3.4",
+ "getrandom 0.4.3",
  "once_cell",
  "rustix",
  "windows-sys 0.61.2",
@@ -7409,6 +7775,27 @@ dependencies = [
  "serde",
 ]
 
+[[package]]
+name = "toml"
+version = "0.8.23"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "dc1beb996b9d83529a9e75c17a1686767d148d70663143c7854d8b4a09ced362"
+dependencies = [
+ "serde",
+ "serde_spanned",
+ "toml_datetime 0.6.11",
+ "toml_edit 0.22.27",
+]
+
+[[package]]
+name = "toml_datetime"
+version = "0.6.11"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "22cddaf88f4fbc13c51aebbf5f8eceb5c7c5a9da2ac40a13519eb5b0a0e8f11c"
+dependencies = [
+ "serde",
+]
+
 [[package]]
 name = "toml_datetime"
 version = "1.1.1+spec-1.1.0"
@@ -7418,6 +7805,20 @@ dependencies = [
  "serde_core",
 ]
 
+[[package]]
+name = "toml_edit"
+version = "0.22.27"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "41fe8c660ae4257887cf66394862d21dbca4a6ddd26f04a3560410406a2f819a"
+dependencies = [
+ "indexmap",
+ "serde",
+ "serde_spanned",
+ "toml_datetime 0.6.11",
+ "toml_write",
+ "winnow 0.7.15",
+]
+
 [[package]]
 name = "toml_edit"
 version = "0.25.13+spec-1.1.0"
@@ -7425,9 +7826,9 @@ source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "6975367e4d2ef766d86af01ffad14b622fecc8d4357a998fbc4deb6e9bacaf9b"
 dependencies = [
  "indexmap",
- "toml_datetime",
+ "toml_datetime 1.1.1+spec-1.1.0",
  "toml_parser",
- "winnow",
+ "winnow 1.0.4",
 ]
 
 [[package]]
@@ -7436,9 +7837,15 @@ version = "1.1.3+spec-1.1.0"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "1d38ac1cf9b95face32296c0a3ede1fdc270627c9d9c02a7274dd6d960dc4d56"
 dependencies = [
- "winnow",
+ "winnow 1.0.4",
 ]
 
+[[package]]
+name = "toml_write"
+version = "0.1.2"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "5d99f8c9a7727884afe522e9bd5edbfc91a3312b36a77b5fb8926e4c31a41801"
+
 [[package]]
 name = "tower"
 version = "0.5.3"
@@ -8021,6 +8428,15 @@ version = "0.52.6"
 source = "registry+https://github.com/rust-lang/crates.io-index"
 checksum = "589f6da84c646204747d1270a2a5661ea66ed1cced2631d546fdfb155959f9ec"
 
+[[package]]
+name = "winnow"
+version = "0.7.15"
+source = "registry+https://github.com/rust-lang/crates.io-index"
+checksum = "df79d97927682d2fd8adb29682d1140b343be4ac0f08fd68b7765d9c059d3945"
+dependencies = [
+ "memchr",
+]
+
 [[package]]
 name = "winnow"
 version = "1.0.4"
diff --git a/program/programs/smart-updown/Cargo.toml b/program/programs/smart-updown/Cargo.toml
index 6c34624..5b3a3a4 100644
--- a/program/programs/smart-updown/Cargo.toml
+++ b/program/programs/smart-updown/Cargo.toml
@@ -14,10 +14,11 @@ default = []
 cpi = ["no-entrypoint"]
 no-entrypoint = []
 no-log-ix-name = []
-idl-build = []
+idl-build = ["anchor-lang/idl-build", "anchor-spl/idl-build"]
 
 [dependencies]
 anchor-lang = "0.31.1"
+anchor-spl = "0.31.1"
 
 [dev-dependencies]
 anchor-lang = "0.31.1"
@@ -27,7 +28,10 @@ solana-pubkey = "2.1"
 solana-signer = "2.1"
 solana-keypair = "2.1"
 solana-clock = "2.1"
+solana-account = "2.1"
 solana-transaction = "2.1"
+spl-token = "7.0.0"
+spl-associated-token-account = "6.0.0"
 tokio = { version = "1", features = ["macros", "rt-multi-thread"] }
 
 [lints.rust]
diff --git a/program/programs/smart-updown/src/constants.rs b/program/programs/smart-updown/src/constants.rs
index 7e493df..9b0343a 100644
--- a/program/programs/smart-updown/src/constants.rs
+++ b/program/programs/smart-updown/src/constants.rs
@@ -6,6 +6,11 @@ pub const GLOBAL_SEED: &[u8] = b"global";
 #[constant]
 pub const BET_SEED: &[u8] = b"bet";
 
+/// Vault PDA seed: the token vault lives at PDA([GLOBAL_SEED, VAULT_SEED]).
+/// It cannot reuse GLOBAL_SEED alone — that PDA address is the `global` state account itself.
+#[constant]
+pub const VAULT_SEED: &[u8] = b"vault";
+
 pub const SIDE_UP: u64 = 0;
 pub const SIDE_DOWN: u64 = 1;
 
diff --git a/program/programs/smart-updown/src/instructions/close_bet.rs b/program/programs/smart-updown/src/instructions/close_bet.rs
index dd035dd..2ce4d3d 100644
--- a/program/programs/smart-updown/src/instructions/close_bet.rs
+++ b/program/programs/smart-updown/src/instructions/close_bet.rs
@@ -1,9 +1,10 @@
 use anchor_lang::prelude::*;
+use anchor_spl::token::{Token, TokenAccount};
 
 use crate::{
     constants::{
         BPS_DIVISOR, BET_SEED, GLOBAL_SEED, SIDE_DOWN, SIDE_UP, STATUS_HOUSE_WON,
-        STATUS_PAYOUT_DONE, STATUS_OPEN,
+        STATUS_PAYOUT_DONE, STATUS_OPEN, VAULT_SEED,
     },
     error::SmartUpdownError,
     events::BetClosed,
@@ -27,9 +28,19 @@ pub struct CloseBet<'info> {
     )]
     pub global: Account<'info, Global>,
     /// CHECK: recipient must be the bet's bettor and is validated in the handler.
-    #[account(mut)]
     pub bettor: SystemAccount<'info>,
     pub clock: Sysvar<'info, Clock>,
+    /// Program-owned token vault: PDA([GLOBAL_SEED, VAULT_SEED]); payouts are paid out from here.
+    #[account(
+        mut,
+        seeds = [GLOBAL_SEED, VAULT_SEED],
+        bump
+    )]
+    pub vault_token: Account<'info, TokenAccount>,
+    /// Bettor's SPL-token account; the payout is sent here.
+    #[account(mut)]
+    pub bettor_token: Account<'info, TokenAccount>,
+    pub token_program: Program<'info, Token>,
 }
 
 pub fn handler(ctx: &mut Context<CloseBet>, id: u64, exit_price: u64) -> Result<()> {
@@ -69,17 +80,36 @@ let payout;
                     .checked_div(BPS_DIVISOR as u128)
                     .unwrap() as u64;
             require!(
-                ctx.accounts.global.get_lamports() >= payout_amount,
+                ctx.accounts.vault_token.amount >= payout_amount,
                 SmartUpdownError::InsufficientVault
             );
             payout = payout_amount;
-            ctx.accounts.global.sub_lamports(payout)?;
-            ctx.accounts.bettor.add_lamports(payout)?;
+            {
+                // Pay the bettor: transfer the payout from the vault to the bettor's token account.
+                // The vault is owned by the `global` PDA, so the CPI is signed with its seeds.
+                let cpi_accounts = anchor_spl::token::Transfer {
+                    from: ctx.accounts.vault_token.to_account_info(),
+                    to: ctx.accounts.bettor_token.to_account_info(),
+                    authority: ctx.accounts.vault_token.to_account_info(),
+                };
+                let signer_seeds: &[&[u8]] = &[
+                    GLOBAL_SEED,
+                    VAULT_SEED,
+                    &[ctx.bumps.vault_token],
+                ];
+                let vault_signer_seeds = [signer_seeds];
+                let cpi_ctx = CpiContext::new_with_signer(
+                    ctx.accounts.token_program.to_account_info(),
+                    cpi_accounts,
+                    &vault_signer_seeds,
+                );
+                anchor_spl::token::transfer(cpi_ctx, payout)?;
+            }
             ctx.accounts.bet.status = STATUS_PAYOUT_DONE;
         } else {
-        payout = 0;
-        ctx.accounts.bet.status = STATUS_HOUSE_WON;
-    }
+            payout = 0;
+            ctx.accounts.bet.status = STATUS_HOUSE_WON;
+        }
 
     ctx.accounts.bet.exit_price = exit_price;
 
diff --git a/program/programs/smart-updown/src/instructions/create_bet.rs b/program/programs/smart-updown/src/instructions/create_bet.rs
index ecb935e..58eea2b 100644
--- a/program/programs/smart-updown/src/instructions/create_bet.rs
+++ b/program/programs/smart-updown/src/instructions/create_bet.rs
@@ -1,7 +1,8 @@
 use anchor_lang::prelude::*;
+use anchor_spl::token::{Token, TokenAccount};
 
 use crate::{
-    constants::{BET_SEED, GLOBAL_SEED, SIDE_DOWN, SIDE_UP, STATUS_OPEN},
+    constants::{BET_SEED, GLOBAL_SEED, SIDE_DOWN, SIDE_UP, STATUS_OPEN, VAULT_SEED},
     error::SmartUpdownError,
     events::BetCreated,
     state::{Bet, Global},
@@ -28,6 +29,17 @@ pub struct CreateBet<'info> {
     pub bet: Account<'info, Bet>,
     pub clock: Sysvar<'info, Clock>,
     pub system_program: Program<'info, System>,
+    /// Bettor's SPL-token account (our "fanti" mint); bet amount is pulled from here.
+    #[account(mut)]
+    pub bettor_token: Account<'info, TokenAccount>,
+    /// Program-owned token vault: PDA([GLOBAL_SEED, VAULT_SEED]); bet amounts are escrowed here.
+    #[account(
+        mut,
+        seeds = [GLOBAL_SEED, VAULT_SEED],
+        bump
+    )]
+    pub vault_token: Account<'info, TokenAccount>,
+    pub token_program: Program<'info, Token>,
 }
 
 pub fn handler(
@@ -72,15 +84,18 @@ pub fn handler(
     ctx.accounts.global.counter = ctx.accounts.global.counter.checked_add(1).unwrap();
 
     {
-        let cpi_accounts = anchor_lang::system_program::Transfer {
-            from: ctx.accounts.bettor.to_account_info(),
-            to: ctx.accounts.global.to_account_info(),
+        // Escrow: move the bet amount (token units) from the bettor's account to the vault.
+        // The SPL token program enforces that `bettor_token` is owned by `bettor` (authority).
+        let cpi_accounts = anchor_spl::token::Transfer {
+            from: ctx.accounts.bettor_token.to_account_info(),
+            to: ctx.accounts.vault_token.to_account_info(),
+            authority: ctx.accounts.bettor.to_account_info(),
         };
         let cpi_ctx = CpiContext::new(
-            ctx.accounts.system_program.to_account_info(),
+            ctx.accounts.token_program.to_account_info(),
             cpi_accounts,
         );
-        anchor_lang::system_program::transfer(cpi_ctx, amount)?;
+        anchor_spl::token::transfer(cpi_ctx, amount)?;
     }
 
     emit!(BetCreated {
diff --git a/program/programs/smart-updown/src/state.rs b/program/programs/smart-updown/src/state.rs
index c242b9e..1e57b2c 100644
--- a/program/programs/smart-updown/src/state.rs
+++ b/program/programs/smart-updown/src/state.rs
@@ -1,5 +1,10 @@
 use anchor_lang::prelude::*;
 
+/// Global game state.
+///
+/// All money-related fields are denominated in **SPL-token base units**
+/// (our "fanti" token, decimals = 6), not in lamports:
+/// `min_amount`/`max_amount` bound a bet amount in token units.
 #[account]
 #[derive(InitSpace)]
 pub struct Global {
@@ -13,6 +18,7 @@ pub struct Global {
     pub relayer: Pubkey,
 }
 
+/// Open bet. `amount` is in token base units (decimals = 6), not lamports.
 #[account]
 #[derive(InitSpace)]
 pub struct Bet {
diff --git a/program/programs/smart-updown/tests/test_smart_updown.rs b/program/programs/smart-updown/tests/test_smart_updown.rs
index 294a3ec..c39ba74 100644
--- a/program/programs/smart-updown/tests/test_smart_updown.rs
+++ b/program/programs/smart-updown/tests/test_smart_updown.rs
@@ -2,26 +2,43 @@ use {
     anchor_lang::{
         solana_program::{
             instruction::Instruction,
+            program_option::COption,
+            program_pack::Pack,
             pubkey::Pubkey,
+            rent::Rent,
             system_instruction,
         },
         AccountDeserialize, InstructionData, ToAccountMetas,
     },
-    smart_updown::state::{Bet, Global},
+    smart_updown::{constants::VAULT_SEED, state::{Bet, Global}},
+    solana_account::{Account as SolanaAccount},
     solana_clock::Clock,
     solana_keypair::Keypair,
     solana_program_test::{BanksClient, ProgramTest, ProgramTestContext},
     solana_signer::Signer,
     solana_transaction::Transaction,
+    spl_associated_token_account,
+    spl_token,
+    spl_token::state::{Account as TokenData, AccountState, Mint},
 };
 
 const CLOCK_ADDR: &str = "SysvarC1ock11111111111111111111111111111111";
 const SYSTEM_ADDR: &str = "11111111111111111111111111111111";
-const MIN_AMOUNT: u64 = 1_000_000_000; // 1 SOL
+const MIN_AMOUNT: u64 = 1_000_000_000; // minimum bet, token units
 const MULTIPLIER_BPS: u64 = 13_000; // 1.3x
 const EXPIRY_SECONDS: i64 = 15;
 const START_TIME: i64 = 1_700_000_000;
 
+// SPL token (фантики) environment
+const TOKEN_DECIMALS: u8 = 6;
+const MINT_SIZE: u64 = 82; // classic SPL token mint account size
+const TOKEN_ACCOUNT_SIZE: u64 = 165; // classic SPL token account size
+const VAULT_TOKEN_SUPPLY: u64 = 100 * MIN_AMOUNT; // vault seed, covers many payouts
+const BETTOR_TOKEN_SUPPLY: u64 = 10 * MIN_AMOUNT; // per-bettor token supply
+/// Fixed фантики mint: mint + vault token accounts are pre-loaded into
+/// genesis because the vault is a PDA and cannot sign its own create_account.
+const MINT: Pubkey = Pubkey::new_from_array([3u8; 32]);
+
 fn pid() -> Pubkey {
     smart_updown::id()
 }
@@ -30,16 +47,73 @@ fn global_pda() -> Pubkey {
     Pubkey::find_program_address(&[b"global"], &pid()).0
 }
 
+fn vault_pda() -> Pubkey {
+    Pubkey::find_program_address(&[b"global", VAULT_SEED], &pid()).0
+}
+
 fn bet_pda(id: u64) -> Pubkey {
     Pubkey::find_program_address(&[b"bet", &id.to_le_bytes()], &pid()).0
 }
 
+/// Boot the program-test context with the фантики mint and the program's
+/// token vault (PDA([global, vault])) pre-loaded into genesis. The vault is a
+/// PDA owned by itself, so it can never sign a top-level create_account; the
+/// account data below matches what the token program would have created.
 async fn setup() -> (ProgramTestContext, Keypair) {
+    let admin = Keypair::new();
+    let mint_data = {
+        let m = Mint {
+            mint_authority: COption::Some(admin.pubkey()),
+            supply: 0,
+            decimals: TOKEN_DECIMALS,
+            is_initialized: true,
+            freeze_authority: COption::None,
+        };
+        let mut buf = [0u8; MINT_SIZE as usize];
+        Pack::pack(m, &mut buf).expect("pack mint");
+        buf
+    };
+    let vault_data = {
+        let a = TokenData {
+            mint: MINT,
+            owner: vault_pda(),
+            amount: VAULT_TOKEN_SUPPLY,
+            delegate: COption::None,
+            state: AccountState::Initialized,
+            is_native: COption::None,
+            delegated_amount: 0,
+            close_authority: COption::None,
+        };
+        let mut buf = [0u8; TOKEN_ACCOUNT_SIZE as usize];
+        Pack::pack(a, &mut buf).expect("pack vault token account");
+        buf
+    };
+
     let mut pt = ProgramTest::default();
     pt.add_program("smart_updown", pid(), None);
+    let rent = Rent::default();
+    pt.add_account(
+        MINT,
+        SolanaAccount {
+            lamports: rent.minimum_balance(MINT_SIZE as usize),
+            data: mint_data.to_vec(),
+            owner: spl_token::ID,
+            executable: false,
+            rent_epoch: 0,
+        },
+    );
+    pt.add_account(
+        vault_pda(),
+        SolanaAccount {
+            lamports: rent.minimum_balance(TOKEN_ACCOUNT_SIZE as usize),
+            data: vault_data.to_vec(),
+            owner: spl_token::ID,
+            executable: false,
+            rent_epoch: 0,
+        },
+    );
     // Fund the deploy keypair separately in the test; the validator in CI funds it.
     let context = pt.start_with_context().await;
-    let admin = Keypair::new();
     context.banks_client.process_transaction(Transaction::new_signed_with_payer(
         &[system_instruction::transfer(
             &context.payer.pubkey(),
@@ -93,7 +167,14 @@ fn make_initialize_ix(admin: Pubkey) -> Instruction {
     )
 }
 
-fn make_create_ix(id: u64, side: u64, amount: u64, entry_price: u64, bettor: Pubkey) -> Instruction {
+fn make_create_ix(
+    id: u64,
+    side: u64,
+    amount: u64,
+    entry_price: u64,
+    bettor: Pubkey,
+    bettor_ata: &Pubkey,
+) -> Instruction {
     Instruction::new_with_bytes(
         pid(),
         &smart_updown::instruction::CreateBet {
@@ -109,12 +190,21 @@ fn make_create_ix(id: u64, side: u64, amount: u64, entry_price: u64, bettor: Pub
             bet: bet_pda(id),
             clock: CLOCK_ADDR.parse().unwrap(),
             system_program: SYSTEM_ADDR.parse().unwrap(),
+            bettor_token: *bettor_ata,
+            vault_token: vault_pda(),
+            token_program: spl_token::ID,
         }
         .to_account_metas(None),
     )
 }
 
-fn make_close_ix(id: u64, exit_price: u64, relayer: Pubkey, bettor: Pubkey) -> Instruction {
+fn make_close_ix(
+    id: u64,
+    exit_price: u64,
+    relayer: Pubkey,
+    bettor: Pubkey,
+    bettor_ata: &Pubkey,
+) -> Instruction {
     Instruction::new_with_bytes(
         pid(),
         &smart_updown::instruction::CloseBet { id, exit_price }.data(),
@@ -124,6 +214,9 @@ fn make_close_ix(id: u64, exit_price: u64, relayer: Pubkey, bettor: Pubkey) -> I
             global: global_pda(),
             bettor,
             clock: CLOCK_ADDR.parse().unwrap(),
+            vault_token: vault_pda(),
+            bettor_token: *bettor_ata,
+            token_program: spl_token::ID,
         }
         .to_account_metas(None),
     )
@@ -167,22 +260,90 @@ async fn airdrop_to(ctx: &mut ProgramTestContext, to: &Pubkey, lamports: u64) {
     ctx.banks_client.process_transaction(tx).await.unwrap();
 }
 
-async fn fund_vault(ctx: &mut ProgramTestContext, lamports: u64) {
-    airdrop_to(ctx, &global_pda(), lamports).await;
+/// Create the token mint, the program's token vault (PDA([global, vault]),
+/// owned by the global PDA), and seed the vault with tokens.
+// The фантики env (mint + seeded vault) is pre-loaded into genesis by setup();
+// a PDA vault can never sign its own top-level create_account, so this only
+// returns the fixed mint the genesis accounts were built around.
+async fn create_token_env(_ctx: &mut ProgramTestContext, _admin: &Keypair) -> Pubkey {
+    MINT
+}
+
+/// Mint tokens to a destination account (admin is the mint authority).
+async fn mint_to(
+    ctx: &mut ProgramTestContext,
+    admin: &Keypair,
+    mint: &Pubkey,
+    dest: &Pubkey,
+    amount: u64,
+) {
+    let ix = spl_token::instruction::mint_to(&spl_token::ID, mint, dest, &admin.pubkey(), &[], amount)
+        .expect("mint_to");
+    run_ix(ctx, admin, ix).await.expect("mint_to");
+}
+
+/// New bettor: lamports account + associated token account + token supply.
+async fn create_bettor(
+    ctx: &mut ProgramTestContext,
+    admin: &Keypair,
+    mint: &Pubkey,
+) -> (Keypair, Pubkey) {
+    let bettor = Keypair::new();
+    airdrop_to(ctx, &bettor.pubkey(), 100_000_000_000).await;
+    let ata = spl_associated_token_account::get_associated_token_address(&bettor.pubkey(), mint);
+    let ix = spl_associated_token_account::instruction::create_associated_token_account(
+        &admin.pubkey(),
+        &bettor.pubkey(),
+        mint,
+        &spl_token::ID,
+    );
+    run_ix(ctx, admin, ix).await.expect("create ata");
+    mint_to(ctx, admin, mint, &ata, BETTOR_TOKEN_SUPPLY).await;
+    (bettor, ata)
+}
+
+/// Read the `amount` field of a classic SPL token account (offset 64).
+async fn read_token_balance(ctx: &mut ProgramTestContext, addr: &Pubkey) -> u64 {
+    let data = read_account_data(&ctx.banks_client, addr).await;
+    u64::from_le_bytes(data[64..72].try_into().expect("amount offset"))
+}
+
+/// close_bet pays out by moving tokens out of the vault; the vault PDA signs
+/// that transfer CPI inside the program, so the transaction needs only the
+/// relayer's signature.
+async fn run_close_tx(
+    ctx: &mut ProgramTestContext,
+    signer: &Keypair,
+    ix: &Instruction,
+) -> Result<(), String> {
+    // The vault PDA signs the payout CPI inside the program (via signer_seeds);
+    // the transaction itself needs only the relayer's signature.
+    let tx = Transaction::new_signed_with_payer(
+        std::slice::from_ref(ix),
+        Some(&signer.pubkey()),
+        &[signer],
+        ctx.last_blockhash,
+    );
+    ctx.banks_client
+        .process_transaction(tx)
+        .await
+        .map(|_| ())
+        .map_err(|e| format!("{:?}", e))
 }
 
 async fn create_up_bet(
     ctx: &mut ProgramTestContext,
     side: u64,
-) -> (Keypair, u64, u64) {
-    let bettor = Keypair::new();
-    airdrop_to(ctx, &bettor.pubkey(), 100_000_000_000).await;
+    mint: &Pubkey,
+    admin: &Keypair,
+) -> (Keypair, Pubkey, u64, u64) {
+    let (bettor, ata) = create_bettor(ctx, admin, mint).await;
     set_clock(ctx, START_TIME).await;
     let amount = MIN_AMOUNT;
     let entry_price = 100_000_000u64;
-    let create_ix = make_create_ix(0, side, amount, entry_price, bettor.pubkey());
+    let create_ix = make_create_ix(0, side, amount, entry_price, bettor.pubkey(), &ata);
     run_ix(ctx, &bettor, create_ix).await.expect("create_bet");
-    (bettor, amount, entry_price)
+    (bettor, ata, amount, entry_price)
 }
 
 #[tokio::test]
@@ -200,13 +361,20 @@ async fn initialize_creates_global() {
 }
 
 #[tokio::test]
-async fn create_bet_escrows_sol() {
+async fn create_bet_escrows_tokens() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
 
-    let vault_balance = ctx.banks_client.get_balance(global_pda()).await.unwrap();
-    assert!(vault_balance >= amount);
+    assert_eq!(
+        read_token_balance(&mut ctx, &vault_pda()).await,
+        VAULT_TOKEN_SUPPLY + amount
+    );
+    assert_eq!(
+        read_token_balance(&mut ctx, &ata).await,
+        BETTOR_TOKEN_SUPPLY - amount
+    );
     let b = read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await);
     assert_eq!(b.bettor, bettor.pubkey());
     assert_eq!(b.side, 0);
@@ -222,18 +390,27 @@ async fn create_bet_escrows_sol() {
 async fn close_bet_user_wins_up() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
 
     set_clock(&mut ctx, START_TIME + EXPIRY_SECONDS + 1).await;
     let exit_price = entry_price + 1_000;
-    let before = ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap();
+    let before = read_token_balance(&mut ctx, &ata).await;
     let payout = amount * MULTIPLIER_BPS / 10_000;
-    fund_vault(&mut ctx, 10 * amount).await;
 
-    let close_ix = make_close_ix(0, exit_price, admin.pubkey(), bettor.pubkey());
-    run_ix(&mut ctx, &admin, close_ix).await.expect("close_bet");
+    run_close_tx(
+        &mut ctx,
+        &admin,
+        &make_close_ix(0, exit_price, admin.pubkey(), bettor.pubkey(), &ata),
+    )
+    .await
+    .expect("close_bet");
 
-    assert_eq!(ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap(), before + payout);
+    assert_eq!(read_token_balance(&mut ctx, &ata).await, before + payout);
+    assert_eq!(
+        read_token_balance(&mut ctx, &vault_pda()).await,
+        VAULT_TOKEN_SUPPLY + amount - payout
+    );
     let b = read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await);
     assert_eq!(b.status, 1);
     assert_eq!(b.exit_price, exit_price);
@@ -243,16 +420,22 @@ async fn close_bet_user_wins_up() {
 async fn close_bet_house_wins_down() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, _amount, entry_price) = create_up_bet(&mut ctx, 1).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, _amount, entry_price) = create_up_bet(&mut ctx, 1, &mint, &admin).await;
 
     set_clock(&mut ctx, START_TIME + EXPIRY_SECONDS + 1).await;
     let exit_price = entry_price + 1_000; // side=DOWN but price rose -> lose
-    let before = ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap();
+    let before = read_token_balance(&mut ctx, &ata).await;
 
-    let close_ix = make_close_ix(0, exit_price, admin.pubkey(), bettor.pubkey());
-    run_ix(&mut ctx, &admin, close_ix).await.expect("close_bet");
+    run_close_tx(
+        &mut ctx,
+        &admin,
+        &make_close_ix(0, exit_price, admin.pubkey(), bettor.pubkey(), &ata),
+    )
+    .await
+    .expect("close_bet");
 
-    assert_eq!(ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap(), before);
+    assert_eq!(read_token_balance(&mut ctx, &ata).await, before);
     assert_eq!(read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await).status, 2);
 }
 
@@ -260,23 +443,23 @@ async fn close_bet_house_wins_down() {
 async fn close_bet_equal_price_stays_open() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
 
     set_clock(&mut ctx, START_TIME + EXPIRY_SECONDS + 1).await;
-    let before = ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap();
+    let before = read_token_balance(&mut ctx, &ata).await;
     let payout = amount * MULTIPLIER_BPS / 10_000;
-    fund_vault(&mut ctx, 10 * amount).await;
 
-    let equal_ix = make_close_ix(0, entry_price, admin.pubkey(), bettor.pubkey());
-    run_ix(&mut ctx, &admin, equal_ix).await.expect("equal close");
+    let equal_ix = make_close_ix(0, entry_price, admin.pubkey(), bettor.pubkey(), &ata);
+    run_close_tx(&mut ctx, &admin, &equal_ix).await.expect("equal close");
     assert_eq!(read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await).status, 0);
-    assert_eq!(ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap(), before);
+    assert_eq!(read_token_balance(&mut ctx, &ata).await, before);
 
     let exit_price = entry_price + 1_000;
-    let second_ix = make_close_ix(0, exit_price, admin.pubkey(), bettor.pubkey());
-    run_ix(&mut ctx, &admin, second_ix).await.expect("second close");
+    let second_ix = make_close_ix(0, exit_price, admin.pubkey(), bettor.pubkey(), &ata);
+    run_close_tx(&mut ctx, &admin, &second_ix).await.expect("second close");
     assert_eq!(
-        ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap(),
+        read_token_balance(&mut ctx, &ata).await,
         before + payout
     );
     assert_eq!(read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await).status, 1);
@@ -286,37 +469,40 @@ async fn close_bet_equal_price_stays_open() {
 async fn close_bet_already_finalized() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, _amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
 
     set_clock(&mut ctx, START_TIME + EXPIRY_SECONDS + 1).await;
     let win_price = entry_price + 500;
-    fund_vault(&mut ctx, 10 * amount).await;
-    run_ix(&mut ctx, &admin, make_close_ix(0, win_price, admin.pubkey(), bettor.pubkey()))
-        .await
-        .expect("first close");
-
-    let res = run_ix(
+    run_close_tx(
         &mut ctx,
         &admin,
-        make_close_ix(0, win_price + 1, admin.pubkey(), bettor.pubkey()),
+        &make_close_ix(0, win_price, admin.pubkey(), bettor.pubkey(), &ata),
+    )
+    .await
+    .expect("first close");
+
+    let res = run_close_tx(
+        &mut ctx,
+        &admin,
+        &make_close_ix(0, win_price + 1, admin.pubkey(), bettor.pubkey(), &ata),
     )
     .await;
     assert!(res.is_err(), "expected close after finalization to be rejected");
     let b = read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await);
     assert_eq!(b.status, 1);
     assert_eq!(b.exit_price, win_price);
-    assert_eq!(b.status, 1);
-    assert_eq!(b.exit_price, win_price);
 }
 
 #[tokio::test]
 async fn close_bet_before_expiry_rejected() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, _amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, _amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
 
-    let close_ix = make_close_ix(0, entry_price + 500, admin.pubkey(), bettor.pubkey());
-    let res = run_ix(&mut ctx, &admin, close_ix).await;
+    let close_ix = make_close_ix(0, entry_price + 500, admin.pubkey(), bettor.pubkey(), &ata);
+    let res = run_close_tx(&mut ctx, &admin, &close_ix).await;
     assert!(res.is_err(), "expected premature close to be rejected");
     assert_eq!(read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await).status, 0);
 }
@@ -325,13 +511,14 @@ async fn close_bet_before_expiry_rejected() {
 async fn close_bet_wrong_relayer_rejected() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, _amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, _amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
     let attacker = Keypair::new();
     airdrop_to(&mut ctx, &attacker.pubkey(), 100_000_000_000).await;
 
     set_clock(&mut ctx, START_TIME + EXPIRY_SECONDS + 1).await;
-    let close_ix = make_close_ix(0, entry_price + 500, attacker.pubkey(), bettor.pubkey());
-    let res = run_ix(&mut ctx, &attacker, close_ix).await;
+    let close_ix = make_close_ix(0, entry_price + 500, attacker.pubkey(), bettor.pubkey(), &ata);
+    let res = run_close_tx(&mut ctx, &attacker, &close_ix).await;
     assert!(res.is_err(), "expected wrong relayer to be rejected");
     assert_eq!(read_bet_typed(&read_account_data(&ctx.banks_client, &bet_pda(0)).await).status, 0);
 }
@@ -340,32 +527,34 @@ async fn close_bet_wrong_relayer_rejected() {
 async fn close_bet_replay_rejected() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let (bettor, _amount, entry_price) = create_up_bet(&mut ctx, 0).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata, _amount, entry_price) = create_up_bet(&mut ctx, 0, &mint, &admin).await;
 
     set_clock(&mut ctx, START_TIME + EXPIRY_SECONDS + 1).await;
-    fund_vault(&mut ctx, 10 * MIN_AMOUNT).await;
-    let close_ix = make_close_ix(0, entry_price + 500, admin.pubkey(), bettor.pubkey());
-    run_ix(&mut ctx, &admin, close_ix).await.expect("first close");
-    let before = ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap();
-    let res = run_ix(
+    let close_ix = make_close_ix(0, entry_price + 500, admin.pubkey(), bettor.pubkey(), &ata);
+    run_close_tx(&mut ctx, &admin, &close_ix).await.expect("first close");
+    let before = read_token_balance(&mut ctx, &ata).await;
+    let res = run_close_tx(
         &mut ctx,
         &admin,
-        make_close_ix(0, entry_price + 501, admin.pubkey(), bettor.pubkey()),
+        &make_close_ix(0, entry_price + 501, admin.pubkey(), bettor.pubkey(), &ata),
     )
     .await;
     assert!(res.is_err(), "expected replay close to be rejected");
-    assert_eq!(ctx.banks_client.get_balance(bettor.pubkey()).await.unwrap(), before);
+    assert_eq!(read_token_balance(&mut ctx, &ata).await, before);
 }
 
 #[tokio::test]
 async fn create_bet_rejects_out_of_range() {
     let (mut ctx, admin) = setup().await;
     initialize(&mut ctx, &admin).await;
-    let bettor = Keypair::new();
-    airdrop_to(&mut ctx, &bettor.pubkey(), 100_000_000_000).await;
+    let mint = create_token_env(&mut ctx, &admin).await;
+    let (bettor, ata) = create_bettor(&mut ctx, &admin, &mint).await;
     set_clock(&mut ctx, START_TIME).await;
 
-    let ix = make_create_ix(0, 0, 1, 100_000_000u64, bettor.pubkey());
+    let vault_before = read_token_balance(&mut ctx, &vault_pda()).await;
+    let ix = make_create_ix(0, 0, 1, 100_000_000u64, bettor.pubkey(), &ata);
     let res = run_ix(&mut ctx, &bettor, ix).await;
     assert!(res.is_err(), "expected below-min bet to be rejected");
+    assert_eq!(read_token_balance(&mut ctx, &vault_pda()).await, vault_before);
 }
\ No newline at end of file
diff --git a/relayer/idl/smart_updown.json b/relayer/idl/smart_updown.json
index 74b4b4f..6401805 100644
--- a/relayer/idl/smart_updown.json
+++ b/relayer/idl/smart_updown.json
@@ -10,7 +10,14 @@
     {
       "name": "close_bet",
       "discriminator": [
-        2
+        185,
+        206,
+        13,
+        184,
+        176,
+        108,
+        140,
+        107
       ],
       "accounts": [
         {
@@ -57,15 +64,54 @@
           }
         },
         {
-          "name": "bettor",
-          "docs": [
-            "CHECK: recipient must be the bet's bettor and is validated in the handler."
-          ],
-          "writable": true
+          "name": "bettor"
         },
         {
           "name": "clock",
           "address": "SysvarC1ock11111111111111111111111111111111"
+        },
+        {
+          "name": "vault_token",
+          "docs": [
+            "Program-owned token vault: PDA([GLOBAL_SEED, VAULT_SEED]); payouts are paid out from here."
+          ],
+          "writable": true,
+          "pda": {
+            "seeds": [
+              {
+                "kind": "const",
+                "value": [
+                  103,
+                  108,
+                  111,
+                  98,
+                  97,
+                  108
+                ]
+              },
+              {
+                "kind": "const",
+                "value": [
+                  118,
+                  97,
+                  117,
+                  108,
+                  116
+                ]
+              }
+            ]
+          }
+        },
+        {
+          "name": "bettor_token",
+          "docs": [
+            "Bettor's SPL-token account; the payout is sent here."
+          ],
+          "writable": true
+        },
+        {
+          "name": "token_program",
+          "address": "TokenkegQfeZyiNwAJbNbGKPFXCWuBvf9Ss623VQ5DA"
         }
       ],
       "args": [
@@ -82,7 +128,14 @@
     {
       "name": "create_bet",
       "discriminator": [
-        1
+        197,
+        42,
+        153,
+        2,
+        59,
+        63,
+        143,
+        246
       ],
       "accounts": [
         {
@@ -136,6 +189,49 @@
         {
           "name": "system_program",
           "address": "11111111111111111111111111111111"
+        },
+        {
+          "name": "bettor_token",
+          "docs": [
+            "Bettor's SPL-token account (our \"fanti\" mint); bet amount is pulled from here."
+          ],
+          "writable": true
+        },
+        {
+          "name": "vault_token",
+          "docs": [
+            "Program-owned token vault: PDA([GLOBAL_SEED, VAULT_SEED]); bet amounts are escrowed here."
+          ],
+          "writable": true,
+          "pda": {
+            "seeds": [
+              {
+                "kind": "const",
+                "value": [
+                  103,
+                  108,
+                  111,
+                  98,
+                  97,
+                  108
+                ]
+              },
+              {
+                "kind": "const",
+                "value": [
+                  118,
+                  97,
+                  117,
+                  108,
+                  116
+                ]
+              }
+            ]
+          }
+        },
+        {
+          "name": "token_program",
+          "address": "TokenkegQfeZyiNwAJbNbGKPFXCWuBvf9Ss623VQ5DA"
         }
       ],
       "args": [
@@ -160,7 +256,14 @@
     {
       "name": "initialize",
       "discriminator": [
-        0
+        175,
+        175,
+        109,
+        31,
+        13,
+        152,
+        155,
+        237
       ],
       "accounts": [
         {
@@ -214,7 +317,14 @@
     {
       "name": "update",
       "discriminator": [
-        3
+        219,
+        200,
+        88,
+        176,
+        158,
+        63,
+        253,
+        127
       ],
       "accounts": [
         {
@@ -380,10 +490,9 @@
   "types": [
     {
       "name": "Bet",
-      "serialization": "bytemuck",
-      "repr": {
-        "kind": "c"
-      },
+      "docs": [
+        "Open bet. `amount` is in token base units (decimals = 6), not lamports."
+      ],
       "type": {
         "kind": "struct",
         "fields": [
@@ -488,10 +597,13 @@
     },
     {
       "name": "Global",
-      "serialization": "bytemuck",
-      "repr": {
-        "kind": "c"
-      },
+      "docs": [
+        "Global game state.",
+        "",
+        "All money-related fields are denominated in **SPL-token base units**",
+        "(our \"fanti\" token, decimals = 6), not in lamports:",
+        "`min_amount`/`max_amount` bound a bet amount in token units."
+      ],
       "type": {
         "kind": "struct",
         "fields": [
@@ -541,6 +653,15 @@
       "name": "GLOBAL_SEED",
       "type": "bytes",
       "value": "[103, 108, 111, 98, 97, 108]"
+    },
+    {
+      "name": "VAULT_SEED",
+      "docs": [
+        "Vault PDA seed: the token vault lives at PDA([GLOBAL_SEED, VAULT_SEED]).",
+        "It cannot reuse GLOBAL_SEED alone — that PDA address is the `global` state account itself."
+      ],
+      "type": "bytes",
+      "value": "[118, 97, 117, 108, 116]"
     }
   ]
-}
\ No newline at end of file
+}