diff --git a/modules/sdk-coin-sol/src/lib/index.ts b/modules/sdk-coin-sol/src/lib/index.ts
index 1489ded54f0..8c7fd1f2497 100644
--- a/modules/sdk-coin-sol/src/lib/index.ts
+++ b/modules/sdk-coin-sol/src/lib/index.ts
@@ -23,6 +23,7 @@ export {
   type V1TransactionConfigInput,
 } from './v1TransactionBuilder';
 export { V1CustomInstructionBuilder } from './v1CustomInstructionBuilder';
+export { V1PaymentBuilder, type SendParams } from './v1PaymentBuilder';
 export { TransactionBuilderFactory } from './transactionBuilderFactory';
 export { TransferBuilder } from './transferBuilder';
 export { TransferBuilderV2 } from './transferBuilderV2';
diff --git a/modules/sdk-coin-sol/src/lib/transactionBuilderFactory.ts b/modules/sdk-coin-sol/src/lib/transactionBuilderFactory.ts
index 02b349db8d9..b39c140b467 100644
--- a/modules/sdk-coin-sol/src/lib/transactionBuilderFactory.ts
+++ b/modules/sdk-coin-sol/src/lib/transactionBuilderFactory.ts
@@ -6,6 +6,7 @@ import { ConfidentialTransferBuilder } from './confidentialTransferBuilder';
 import { RecoverNestedAtaBuilder } from './recoverNestedAtaBuilder';
 import { CustomInstructionBuilder } from './customInstructionBuilder';
 import { V1CustomInstructionBuilder } from './v1CustomInstructionBuilder';
+import { V1PaymentBuilder } from './v1PaymentBuilder';
 import { StakingActivateBuilder } from './stakingActivateBuilder';
 import { StakingAuthorizeBuilder } from './stakingAuthorizeBuilder';
 import { StakingDeactivateBuilder } from './stakingDeactivateBuilder';
@@ -212,6 +213,18 @@ export class TransactionBuilderFactory extends BaseTransactionBuilderFactory {
     return new V1CustomInstructionBuilder(this._coinConfig);
   }
 
+  /**
+   * Returns the builder to create Solana v1 (SIMD-0296/0385) native SOL
+   * transfers from structured params (sender + recipients/amounts).
+   *
+   * Server-side construction surface — the caller supplies fields, never
+   * instructions. Set the fee payer via sender, optional durable nonce via
+   * nonce, and the v1 config via transactionConfig.
+   */
+  getV1PaymentBuilder(): V1PaymentBuilder {
+    return new V1PaymentBuilder(this._coinConfig);
+  }
+
   /**
    * Returns the builder to create Token-2022 confidential transfer transactions.
    *
diff --git a/modules/sdk-coin-sol/src/lib/v1PaymentBuilder.ts b/modules/sdk-coin-sol/src/lib/v1PaymentBuilder.ts
new file mode 100644
index 00000000000..8974b439059
--- /dev/null
+++ b/modules/sdk-coin-sol/src/lib/v1PaymentBuilder.ts
@@ -0,0 +1,80 @@
+import { BaseCoin as CoinConfig } from '@bitgo/statics';
+import { BuildTransactionError, TransactionType } from '@bitgo/sdk-core';
+import { V1TransactionBuilder } from './v1TransactionBuilder';
+import { Transaction } from './transaction';
+import { isValidAmount, validateAddress } from './utils';
+import { InstructionBuilderTypes } from './constants';
+import { InstructionParams, Transfer } from './iface';
+
+import assert from 'assert';
+
+export interface SendParams {
+  address: string;
+  amount: string;
+}
+
+/**
+ * Transaction builder for Solana v1 (SIMD-0296/0385) native SOL payments.
+ *
+ * Server-side construction surface: builds a v1 payment envelope from
+ * structured params (sender + recipients/amounts) — the caller supplies fields,
+ * never instructions. The builder owns the `AdvanceNonceAccount` injection, the
+ * message compile, and the message-signer-order signature assembly (inherited
+ * from {@link V1TransactionBuilder}); set the fee payer via
+ * {@link V1TransactionBuilder.sender}, optional durable nonce via
+ * {@link V1TransactionBuilder.nonce}, and the v1 config via
+ * {@link V1TransactionBuilder.transactionConfig}.
+ */
+export class V1PaymentBuilder extends V1TransactionBuilder {
+  private _sendParams: SendParams[] = [];
+
+  constructor(_coinConfig: Readonly<CoinConfig>) {
+    super(_coinConfig);
+  }
+
+  protected get transactionType(): TransactionType {
+    return TransactionType.Send;
+  }
+
+  /**
+   * Set a transfer.
+   *
+   * @param {string} address - the receiver address
+   * @param {string} amount - the amount sent (lamports)
+   * @returns {V1PaymentBuilder} This transaction builder
+   */
+  send({ address, amount }: SendParams): this {
+    validateAddress(address, 'address');
+    if (!amount || !isValidAmount(amount)) {
+      throw new BuildTransactionError('Invalid or missing amount, got: ' + amount);
+    }
+    if (BigInt(amount) > BigInt(Number.MAX_SAFE_INTEGER)) {
+      throw new BuildTransactionError(`input amount ${amount} exceeds max safe int ${Number.MAX_SAFE_INTEGER}`);
+    }
+
+    this._sendParams.push({ address, amount });
+
+    return this;
+  }
+
+  /** @inheritdoc */
+  protected async buildImplementation(): Promise<Transaction> {
+    assert(this._sender, 'Sender must be set before building the transaction');
+
+    const transferData: InstructionParams[] = this._sendParams.map((sendParams: SendParams): Transfer => {
+      return {
+        type: InstructionBuilderTypes.Transfer,
+        params: {
+          fromAddress: this._sender,
+          toAddress: sendParams.address,
+          amount: sendParams.amount,
+        },
+      };
+    });
+    // v1: the priority fee is carried in the message config mask (transactionConfig),
+    // so no explicit SetPriorityFee instruction is needed (unlike the v0 flow).
+    this.instructions(transferData);
+
+    return await super.buildImplementation();
+  }
+}
diff --git a/modules/sdk-coin-sol/test/unit/transactionBuilder/v1PaymentBuilder.ts b/modules/sdk-coin-sol/test/unit/transactionBuilder/v1PaymentBuilder.ts
new file mode 100644
index 00000000000..f95ac7b80ea
--- /dev/null
+++ b/modules/sdk-coin-sol/test/unit/transactionBuilder/v1PaymentBuilder.ts
@@ -0,0 +1,122 @@
+import should from 'should';
+import nacl from 'tweetnacl';
+import { coins } from '@bitgo/statics';
+import { SystemProgram } from '@solana/web3.js';
+import { decodeV1Message, KeyPair, parseWireTransaction, Transaction, V1PaymentBuilder } from '../../../src';
+import { verifyV1Signatures } from '../../../src/lib/serialization/parseWireTransaction';
+import { SolanaKeys } from '../../../src/lib/iface';
+import * as testData from '../../resources/sol';
+
+describe('Solana V1 Payment Builder (SIMD-0296/0385) — server-side construction surface', () => {
+  const coinConfig = coins.get('tsol');
+  const user = new KeyPair(testData.authAccount).getKeys();
+  const gasTank = new KeyPair({ prv: testData.prvKeys.prvKey1.base58 }).getKeys();
+  const nonceAccount = new KeyPair(testData.nonceAccount).getKeys();
+  const recipient = 'ENn8a2tGMS9bR5XV7smGHJvNgzkyxJmnD2eUvQxY5jSP';
+  const recentBlockHash = 'GHtXQBsoZHVnNFa9YevAzFr17DJjgHXk3ycTKD5xD3Zi';
+  const amount = '300000';
+
+  const v1Config = {
+    computeUnitLimit: 200_000,
+    heapSize: 32_768,
+    loadedAccountsDataSizeLimit: 65_536,
+    priorityFee: 5_000,
+  };
+
+  const newBuilder = () => {
+    const builder = new V1PaymentBuilder(coinConfig);
+    builder.sender(user.pub);
+    builder.send({ address: recipient, amount });
+    builder.nonce(recentBlockHash);
+    builder.transactionConfig(v1Config);
+    return builder;
+  };
+
+  const signWith = (keyPair: SolanaKeys, messageBytes: Uint8Array): Uint8Array => {
+    const prv = keyPair.prv;
+    if (typeof prv !== 'string') {
+      throw new Error('Missing private key for test signer');
+    }
+    const kp = new KeyPair({ prv });
+    return nacl.sign.detached(messageBytes, kp.getKeys(true).prv as Uint8Array);
+  };
+
+  it('exposes the structured send() surface', () => {
+    const builder = newBuilder();
+    builder.send({ address: recipient, amount }).should.equal(builder);
+  });
+
+  it('builds a v1 transfer message + signed wire and round-trips through parse', async () => {
+    const builder = newBuilder();
+    builder.sign({ key: user.prv });
+    const tx = (await builder.build()) as Transaction;
+
+    tx.v1MessageBytes![0].should.equal(0x81);
+    tx.v1TransactionBytes!.length.should.equal(tx.v1MessageBytes!.length + 64);
+    tx.signablePayload.equals(Buffer.from(tx.v1MessageBytes!)).should.be.true();
+
+    // the transfer instruction is a SystemProgram transfer (discriminator 2)
+    const decoded = decodeV1Message(tx.v1MessageBytes!);
+    decoded.compiledInstructions[0].data[0].should.equal(2);
+    decoded.staticAccounts[decoded.compiledInstructions[0].programAddressIndex].should.equal(
+      SystemProgram.programId.toBase58()
+    );
+
+    const parsed = parseWireTransaction(tx.v1TransactionBytes!);
+    parsed.signerPublicKeys.should.deepEqual([user.pub]);
+    verifyV1Signatures(parsed.messageBytes, parsed.signatures, parsed.signerPublicKeys);
+  });
+
+  it('injects the AdvanceNonceAccount instruction and assembles user + gas-tank signatures in signer order', async () => {
+    const builder = newBuilder();
+    builder.nonce(recentBlockHash, {
+      walletNonceAddress: nonceAccount.pub,
+      authWalletAddress: gasTank.pub,
+    });
+    builder.sign({ key: user.prv });
+
+    const unsigned = (await builder.build()) as Transaction;
+    const messageBytes = unsigned.v1MessageBytes!;
+
+    // 2 required signers: user (fee payer) + gas-tank nonce authority
+    messageBytes[1].should.equal(2);
+
+    const decoded = decodeV1Message(messageBytes);
+    // nonce hash occupies the blockhash field
+    decoded.blockhash.should.equal(recentBlockHash);
+    // first instruction is AdvanceNonceAccount (System Program, discriminator 4)
+    decoded.compiledInstructions[0].data[0].should.equal(4);
+    decoded.staticAccounts[decoded.compiledInstructions[0].programAddressIndex].should.equal(
+      SystemProgram.programId.toBase58()
+    );
+    // signer order: fee payer (user) first, then gas tank
+    decoded.staticAccounts.slice(0, 2).should.deepEqual([user.pub, gasTank.pub]);
+
+    // attach the gas-tank HSM signature over the same message bytes
+    const gasTankSig = signWith(gasTank, messageBytes);
+    builder.addSignature({ pub: gasTank.pub }, Buffer.from(gasTankSig));
+    const signed = (await builder.build()) as Transaction;
+
+    // message byte-identity between build and sign
+    Buffer.from(signed.v1MessageBytes!).equals(Buffer.from(messageBytes)).should.be.true();
+    signed.v1TransactionBytes!.length.should.equal(messageBytes.length + 2 * 64);
+
+    const parsed = parseWireTransaction(signed.v1TransactionBytes!);
+    parsed.signerPublicKeys.should.deepEqual([user.pub, gasTank.pub]);
+    verifyV1Signatures(parsed.messageBytes, parsed.signatures, parsed.signerPublicKeys);
+  });
+
+  it('throws when transactionConfig is missing', async () => {
+    const builder = new V1PaymentBuilder(coinConfig);
+    builder.sender(user.pub);
+    builder.send({ address: recipient, amount });
+    builder.nonce(recentBlockHash);
+    await builder.build().should.be.rejectedWith(/transactionConfig is required/);
+  });
+
+  it('validates recipient address and amount', () => {
+    const builder = new V1PaymentBuilder(coinConfig);
+    should.throws(() => builder.send({ address: 'not-an-address', amount }), /address/);
+    should.throws(() => builder.send({ address: recipient, amount: 'abc' }), /amount/);
+  });
+});