diff --git a/packages/common/src/adapters/accessConditionsFromSDK.ts b/packages/common/src/adapters/accessConditionsFromSDK.ts
index 18d6f0e9b68..b325955007e 100644
--- a/packages/common/src/adapters/accessConditionsFromSDK.ts
+++ b/packages/common/src/adapters/accessConditionsFromSDK.ts
@@ -1,7 +1,7 @@
 import type { AccessGate } from '@audius/sdk'
 import {
-  instanceOfExtendedPurchaseGate,
   instanceOfFollowGate,
+  instanceOfPurchaseGate,
   instanceOfTokenGate
 } from '@audius/sdk'
 
@@ -13,26 +13,6 @@ export const accessConditionsFromSDK = (
 ): AccessConditions | null => {
   if (instanceOfFollowGate(input)) {
     return { follow_user_id: input.followUserId }
-  } else if (instanceOfExtendedPurchaseGate(input)) {
-    const purchase = input.usdcPurchase
-    const splits = Array.isArray(purchase.splits)
-      ? purchase.splits.map((s) => ({
-          user_id: s.userId,
-          percentage: s.percentage,
-          payout_wallet: s.payoutWallet,
-          amount: s.amount,
-          ...(s.ethWallet != null && { eth_wallet: s.ethWallet })
-        }))
-      : []
-    const albumTrackPrice = (purchase as { albumTrackPrice?: number })
-      .albumTrackPrice
-    return {
-      usdc_purchase: {
-        price: purchase.price,
-        ...(albumTrackPrice != null && { albumTrackPrice }),
-        splits
-      }
-    }
   } else if (instanceOfTokenGate(input)) {
     return {
       token_gate: {
@@ -40,8 +20,16 @@ export const accessConditionsFromSDK = (
         token_amount: input.tokenGate.tokenAmount
       }
     }
-  } else if ('nftCollection' in input && input.nftCollection != null) {
-    return null
+  } else if (instanceOfPurchaseGate(input)) {
+    return {
+      usdc_purchase: {
+        price: input.usdcPurchase.price,
+        splits: input.usdcPurchase.splits.map((s) => ({
+          user_id: s.userId,
+          percentage: s.percentage
+        }))
+      }
+    }
   } else {
     throw new Error(`Unsupported access gate type: ${JSON.stringify(input)}`)
   }
diff --git a/packages/common/src/adapters/accessConditionsToSDK.ts b/packages/common/src/adapters/accessConditionsToSDK.ts
index 936001bde3a..9fdabb7a9bf 100644
--- a/packages/common/src/adapters/accessConditionsToSDK.ts
+++ b/packages/common/src/adapters/accessConditionsToSDK.ts
@@ -28,7 +28,7 @@ export const usdcPurchaseConditionsToSDK = (
             ethWallet?: string
           }
         ) => ({
-          userId: s.user_id ?? s.userId,
+          userId: s.user_id,
           percentage: s.percentage,
           payoutWallet: s.payout_wallet ?? s.payoutWallet ?? '',
           amount: s.amount,
diff --git a/packages/common/src/api/tan-query/upload/usePublishCollection.ts b/packages/common/src/api/tan-query/upload/usePublishCollection.ts
index df33253da97..c0756744add 100644
--- a/packages/common/src/api/tan-query/upload/usePublishCollection.ts
+++ b/packages/common/src/api/tan-query/upload/usePublishCollection.ts
@@ -36,7 +36,6 @@ type PublishCollectionContext = Pick<
   'audiusSdk' | 'analytics' | 'dispatch' | 'reportToSentry'
 > & {
   userId: number
-  wallet: string
 }
 
 type PublishCollectionParams = {
@@ -52,15 +51,11 @@ type PublishCollectionParams = {
 const getPublishCollectionOptions = (context: PublishCollectionContext) =>
   mutationOptions({
     mutationFn: async (params: PublishCollectionParams) => {
-      const { audiusSdk, userId, wallet } = context
+      const { audiusSdk, userId } = context
       const sdk = await audiusSdk()
-      if (!userId || !wallet) {
+      if (!userId) {
         throw new Error('User ID and wallet are required to publish collection')
       }
-      const userBank = await sdk.services.claimableTokensClient.deriveUserBank({
-        ethWallet: wallet,
-        mint: 'USDC'
-      })
 
       // If the collection is a premium album, this will populate the premium metadata (price/splits/etc)
       let albumTrackPrice: number | undefined
@@ -73,7 +68,7 @@ const getPublishCollectionOptions = (context: PublishCollectionContext) =>
           params.collectionMetadata.stream_conditions?.usdc_purchase
             .albumTrackPrice ?? undefined
         params.collectionMetadata.stream_conditions = getUSDCMetadata(
-          userBank.toString(),
+          userId,
           params.collectionMetadata.stream_conditions
         )
       }
@@ -81,7 +76,7 @@ const getPublishCollectionOptions = (context: PublishCollectionContext) =>
       // Combine collection metadata into each track's metadata
       for (const track of params.tracks) {
         track.metadata = combineMetadata(
-          userBank.toString(),
+          userId,
           track.metadata,
           params.collectionMetadata,
           albumTrackPrice
@@ -145,14 +140,12 @@ export const usePublishCollection = (
   const { data: account = null } = useCurrentAccount()
   const { data: accountUser } = useCurrentAccountUser()
   const userId = account?.userId ?? undefined
-  const wallet = account?.walletAddresses.currentUser ?? undefined
 
   return useMutation({
     ...options,
     ...getPublishCollectionOptions({
       audiusSdk,
       userId: userId!,
-      wallet: wallet!,
       dispatch,
       analytics,
       reportToSentry
@@ -214,7 +207,7 @@ export const usePublishCollection = (
  * taking the metadata from the playlist when the track is missing it.
  */
 function combineMetadata(
-  userBank: string,
+  userId: number,
   trackMetadata: TrackMetadataForUpload,
   collectionMetadata: CollectionValues,
   albumTrackPrice?: number
@@ -269,7 +262,7 @@ function combineMetadata(
       usdc_purchase: { price: albumTrackPrice, splits: [] }
     }
     // Add splits to stream & download conditions
-    addPremiumMetadata(userBank, metadata)
+    addPremiumMetadata(userId, metadata)
   }
   return metadata
 }
diff --git a/packages/common/src/api/tan-query/upload/usePublishTracks.ts b/packages/common/src/api/tan-query/upload/usePublishTracks.ts
index 77b1a634e42..11b55975092 100644
--- a/packages/common/src/api/tan-query/upload/usePublishTracks.ts
+++ b/packages/common/src/api/tan-query/upload/usePublishTracks.ts
@@ -1,4 +1,3 @@
-import { USDC } from '@audius/fixed-decimal'
 import { HashId, Id, type UploadResponse } from '@audius/sdk'
 import { useMutation, useQueryClient } from '@tanstack/react-query'
 
@@ -29,7 +28,6 @@ type PublishTracksContext = Pick<
   'audiusSdk' | 'analytics' | 'dispatch' | 'reportToSentry'
 > & {
   userId: number
-  wallet: string
   kind?: 'tracks' | 'album' | 'playlist'
 }
 
@@ -47,7 +45,6 @@ export const publishTracks = async (
 ) => {
   const {
     userId,
-    wallet,
     kind,
     audiusSdk,
     dispatch,
@@ -55,21 +52,15 @@ export const publishTracks = async (
     analytics: { make, track }
   } = context
 
-  if (!context.userId || !context.wallet) {
+  if (!context.userId) {
     throw new Error('User ID and wallet are required to publish tracks')
   }
 
   const sdk = await audiusSdk()
-  const userBank = await sdk.services.claimableTokensClient.deriveUserBank({
-    ethWallet: wallet,
-    mint: 'USDC'
-  })
+
   return await Promise.all(
     params.map(async (param) => {
-      const snakeMetadata = addPremiumMetadata(
-        userBank.toString(),
-        param.metadata
-      )
+      const snakeMetadata = addPremiumMetadata(userId, param.metadata)
 
       const trackId = await sdk.tracks.generateTrackId()
       const camelMetadata = trackMetadataForUploadToSdk({
@@ -191,7 +182,6 @@ export const usePublishTracks = (
   const { data: account } = useCurrentAccount()
   const { data: accountUser } = useCurrentAccountUser()
   const userId = account?.userId ?? undefined
-  const wallet = account?.walletAddresses.currentUser ?? undefined
   const kind = options?.kind ?? 'tracks'
 
   return useMutation({
@@ -199,7 +189,6 @@ export const usePublishTracks = (
     ...getPublishTracksOptions({
       ...queryContext,
       userId: userId!,
-      wallet: wallet!,
       kind
     }),
     onSuccess: async (data) => {
@@ -235,11 +224,10 @@ export const usePublishTracks = (
  * returns updated conditions with price in WEI and splits in the new array format.
  */
 export function getUSDCMetadata(
-  userBank: string,
+  userId: number,
   stream_conditions: USDCPurchaseConditions
 ): USDCPurchaseConditions {
   const priceCents = stream_conditions.usdc_purchase.price
-  const priceWei = Number(USDC(priceCents / 100).value.toString())
   return {
     usdc_purchase: {
       price: priceCents,
@@ -248,9 +236,8 @@ export function getUSDCMetadata(
       }),
       splits: [
         {
-          payout_wallet: userBank?.toString() ?? '',
-          percentage: 100,
-          amount: priceWei
+          user_id: userId,
+          percentage: 100
         }
       ]
     }
@@ -262,24 +249,21 @@ export function getUSDCMetadata(
  * Converts prices to WEI and adds splits for USDC purchasable content.
  */
 export function addPremiumMetadata<T extends TrackMetadataForUpload>(
-  userBank: string,
+  userId: number,
   track: T
 ) {
   // download_conditions could be set separately from stream_conditions, so we check for them first
   if (isContentUSDCPurchaseGated(track.download_conditions)) {
     track.download_conditions = getUSDCMetadata(
-      userBank,
+      userId,
       track.download_conditions
     )
   }
 
   if (isContentUSDCPurchaseGated(track.stream_conditions)) {
-    track.stream_conditions = getUSDCMetadata(userBank, track.stream_conditions)
+    track.stream_conditions = getUSDCMetadata(userId, track.stream_conditions)
     // If stream_conditions are set, download_conditions should always match
-    track.download_conditions = getUSDCMetadata(
-      userBank,
-      track.stream_conditions
-    )
+    track.download_conditions = getUSDCMetadata(userId, track.stream_conditions)
   }
 
   return track
diff --git a/packages/common/src/models/Track.ts b/packages/common/src/models/Track.ts
index 069f4fc53cf..f617b4810b8 100644
--- a/packages/common/src/models/Track.ts
+++ b/packages/common/src/models/Track.ts
@@ -66,10 +66,10 @@ export type NftGatedConditions = {
 
 /** Single split in USDC purchase conditions (matches API extended_payment_split). */
 export type PaymentSplit = {
-  user_id?: number
+  user_id: number
   percentage: number
-  payout_wallet: string
-  amount: number
+  payout_wallet?: string
+  amount?: number
   eth_wallet?: string
 }
 
diff --git a/packages/common/src/schemas/upload/uploadFormSchema.ts b/packages/common/src/schemas/upload/uploadFormSchema.ts
index 3d52f6cd64d..3537e9e4534 100644
--- a/packages/common/src/schemas/upload/uploadFormSchema.ts
+++ b/packages/common/src/schemas/upload/uploadFormSchema.ts
@@ -37,10 +37,10 @@ const TokenGatedConditionsSchema = z
 
 /** Same as API extended_payment_split (snake-cased) */
 const PaymentSplitSchema = z.object({
-  user_id: z.optional(z.number()),
+  user_id: z.number(),
   percentage: z.number().min(0).max(100),
-  payout_wallet: z.string(),
-  amount: z.number().nonnegative(),
+  payout_wallet: z.string().optional(),
+  amount: z.number().nonnegative().optional(),
   eth_wallet: z.optional(z.string())
 })
 
diff --git a/packages/sdk/src/sdk/api/generated/default/.openapi-generator/FILES b/packages/sdk/src/sdk/api/generated/default/.openapi-generator/FILES
index cee05b583c2..cfb055e06a1 100644
--- a/packages/sdk/src/sdk/api/generated/default/.openapi-generator/FILES
+++ b/packages/sdk/src/sdk/api/generated/default/.openapi-generator/FILES
@@ -209,6 +209,7 @@ models/NftGate.ts
 models/Notification.ts
 models/Notifications.ts
 models/NotificationsResponse.ts
+models/PaymentSplit.ts
 models/PinCommentRequestBody.ts
 models/Playlist.ts
 models/PlaylistAddedTimestamp.ts
diff --git a/packages/sdk/src/sdk/api/generated/default/models/AccessGate.ts b/packages/sdk/src/sdk/api/generated/default/models/AccessGate.ts
index 5f47f67fd71..022e3e2b0bf 100644
--- a/packages/sdk/src/sdk/api/generated/default/models/AccessGate.ts
+++ b/packages/sdk/src/sdk/api/generated/default/models/AccessGate.ts
@@ -20,13 +20,6 @@ import {
     FollowGateFromJSONTyped,
     FollowGateToJSON,
 } from './FollowGate';
-import {
-    NftGate,
-    instanceOfNftGate,
-    NftGateFromJSON,
-    NftGateFromJSONTyped,
-    NftGateToJSON,
-} from './NftGate';
 import {
     PurchaseGate,
     instanceOfPurchaseGate,
@@ -54,7 +47,7 @@ import {
  * 
  * @export
  */
-export type AccessGate = FollowGate | NftGate | PurchaseGate | TipGate | TokenGate;
+export type AccessGate = FollowGate | PurchaseGate | TipGate | TokenGate;
 
 export function AccessGateFromJSON(json: any): AccessGate {
     return AccessGateFromJSONTyped(json, false);
@@ -64,7 +57,7 @@ export function AccessGateFromJSONTyped(json: any, ignoreDiscriminator: boolean)
     if ((json === undefined) || (json === null)) {
         return json;
     }
-    return { ...FollowGateFromJSONTyped(json, true), ...NftGateFromJSONTyped(json, true), ...PurchaseGateFromJSONTyped(json, true), ...TipGateFromJSONTyped(json, true), ...TokenGateFromJSONTyped(json, true) };
+    return { ...FollowGateFromJSONTyped(json, true), ...PurchaseGateFromJSONTyped(json, true), ...TipGateFromJSONTyped(json, true), ...TokenGateFromJSONTyped(json, true) };
 }
 
 export function AccessGateToJSON(value?: AccessGate | null): any {
@@ -78,9 +71,6 @@ export function AccessGateToJSON(value?: AccessGate | null): any {
     if (instanceOfFollowGate(value)) {
         return FollowGateToJSON(value as FollowGate);
     }
-    if (instanceOfNftGate(value)) {
-        return NftGateToJSON(value as NftGate);
-    }
     if (instanceOfPurchaseGate(value)) {
         return PurchaseGateToJSON(value as PurchaseGate);
     }
diff --git a/packages/sdk/src/sdk/api/generated/default/models/PaymentSplit.ts b/packages/sdk/src/sdk/api/generated/default/models/PaymentSplit.ts
new file mode 100644
index 00000000000..5fb3f174be9
--- /dev/null
+++ b/packages/sdk/src/sdk/api/generated/default/models/PaymentSplit.ts
@@ -0,0 +1,76 @@
+/* tslint:disable */
+/* eslint-disable */
+// @ts-nocheck
+/**
+ * API
+ * Audius V1 API
+ *
+ * The version of the OpenAPI document: 1.0
+ * 
+ *
+ * NOTE: This class is auto generated by OpenAPI Generator (https://openapi-generator.tech).
+ * https://openapi-generator.tech
+ * Do not edit the class manually.
+ */
+
+import { exists, mapValues } from '../runtime';
+/**
+ * 
+ * @export
+ * @interface PaymentSplit
+ */
+export interface PaymentSplit {
+    /**
+     * 
+     * @type {number}
+     * @memberof PaymentSplit
+     */
+    userId: number;
+    /**
+     * 
+     * @type {number}
+     * @memberof PaymentSplit
+     */
+    percentage: number;
+}
+
+/**
+ * Check if a given object implements the PaymentSplit interface.
+ */
+export function instanceOfPaymentSplit(value: object): value is PaymentSplit {
+    let isInstance = true;
+    isInstance = isInstance && "userId" in value && value["userId"] !== undefined;
+    isInstance = isInstance && "percentage" in value && value["percentage"] !== undefined;
+
+    return isInstance;
+}
+
+export function PaymentSplitFromJSON(json: any): PaymentSplit {
+    return PaymentSplitFromJSONTyped(json, false);
+}
+
+export function PaymentSplitFromJSONTyped(json: any, ignoreDiscriminator: boolean): PaymentSplit {
+    if ((json === undefined) || (json === null)) {
+        return json;
+    }
+    return {
+        
+        'userId': json['user_id'],
+        'percentage': json['percentage'],
+    };
+}
+
+export function PaymentSplitToJSON(value?: PaymentSplit | null): any {
+    if (value === undefined) {
+        return undefined;
+    }
+    if (value === null) {
+        return null;
+    }
+    return {
+        
+        'user_id': value.userId,
+        'percentage': value.percentage,
+    };
+}
+
diff --git a/packages/sdk/src/sdk/api/generated/default/models/UsdcGate.ts b/packages/sdk/src/sdk/api/generated/default/models/UsdcGate.ts
index a259488e079..4333d7da359 100644
--- a/packages/sdk/src/sdk/api/generated/default/models/UsdcGate.ts
+++ b/packages/sdk/src/sdk/api/generated/default/models/UsdcGate.ts
@@ -14,6 +14,13 @@
  */
 
 import { exists, mapValues } from '../runtime';
+import type { PaymentSplit } from './PaymentSplit';
+import {
+    PaymentSplitFromJSON,
+    PaymentSplitFromJSONTyped,
+    PaymentSplitToJSON,
+} from './PaymentSplit';
+
 /**
  * 
  * @export
@@ -21,17 +28,17 @@ import { exists, mapValues } from '../runtime';
  */
 export interface UsdcGate {
     /**
-     * 
-     * @type {{ [key: string]: number; }}
+     * The price in USDC needed to unlock
+     * @type {number}
      * @memberof UsdcGate
      */
-    splits: { [key: string]: number; };
+    price: number;
     /**
      * 
-     * @type {number}
+     * @type {Array<PaymentSplit>}
      * @memberof UsdcGate
      */
-    price: number;
+    splits: Array<PaymentSplit>;
 }
 
 /**
@@ -39,8 +46,8 @@ export interface UsdcGate {
  */
 export function instanceOfUsdcGate(value: object): value is UsdcGate {
     let isInstance = true;
-    isInstance = isInstance && "splits" in value && value["splits"] !== undefined;
     isInstance = isInstance && "price" in value && value["price"] !== undefined;
+    isInstance = isInstance && "splits" in value && value["splits"] !== undefined;
 
     return isInstance;
 }
@@ -55,8 +62,8 @@ export function UsdcGateFromJSONTyped(json: any, ignoreDiscriminator: boolean):
     }
     return {
         
-        'splits': json['splits'],
         'price': json['price'],
+        'splits': ((json['splits'] as Array<any>).map(PaymentSplitFromJSON)),
     };
 }
 
@@ -69,8 +76,8 @@ export function UsdcGateToJSON(value?: UsdcGate | null): any {
     }
     return {
         
-        'splits': value.splits,
         'price': value.price,
+        'splits': ((value.splits as Array<any>).map(PaymentSplitToJSON)),
     };
 }
 
diff --git a/packages/sdk/src/sdk/api/generated/default/models/index.ts b/packages/sdk/src/sdk/api/generated/default/models/index.ts
index e8c1b3d3312..9b774e08134 100644
--- a/packages/sdk/src/sdk/api/generated/default/models/index.ts
+++ b/packages/sdk/src/sdk/api/generated/default/models/index.ts
@@ -188,6 +188,7 @@ export * from './NftGate';
 export * from './Notification';
 export * from './Notifications';
 export * from './NotificationsResponse';
+export * from './PaymentSplit';
 export * from './PinCommentRequestBody';
 export * from './Playlist';
 export * from './PlaylistAddedTimestamp';
diff --git a/packages/sdk/src/sdk/api/tracks/types.ts b/packages/sdk/src/sdk/api/tracks/types.ts
index c29bacba0af..94dae51d026 100644
--- a/packages/sdk/src/sdk/api/tracks/types.ts
+++ b/packages/sdk/src/sdk/api/tracks/types.ts
@@ -84,10 +84,8 @@ export const USDCPurchaseConditions = z
       price: z.number().positive(),
       splits: z.array(
         z.object({
-          userId: z.number().optional(),
-          percentage: z.number().min(0).max(100),
-          payoutWallet: z.string(),
-          amount: z.number().positive()
+          userId: z.number(),
+          percentage: z.number().min(0).max(100)
         })
       )
     })
@@ -103,6 +101,7 @@ export const UploadStemMetadataSchema = z.object({
 
 export const UploadTrackMetadataSchema = z.object({
   trackId: z.optional(HashId),
+  ownerId: z.optional(z.number()),
   aiAttributionUserId: z.optional(HashId),
   description: z.optional(z.string().max(MAX_DESCRIPTION_LENGTH).nullable()),
   fieldVisibility: z.optional(
diff --git a/packages/web/src/common/store/upload/sagaHelpers.ts b/packages/web/src/common/store/upload/sagaHelpers.ts
index d3d9721b848..e946ba4ecc4 100644
--- a/packages/web/src/common/store/upload/sagaHelpers.ts
+++ b/packages/web/src/common/store/upload/sagaHelpers.ts
@@ -6,12 +6,7 @@ import {
   isContentUSDCPurchaseGated,
   USDCPurchaseConditions
 } from '@audius/common/models'
-import {
-  getOrCreateUSDCUserBank,
-  TrackForUpload,
-  TrackMetadataForUpload
-} from '@audius/common/store'
-import { USDC } from '@audius/fixed-decimal'
+import { TrackForUpload, TrackMetadataForUpload } from '@audius/common/store'
 import { all, call, put } from 'typed-redux-saga'
 
 import { make } from 'common/store/analytics/actions'
@@ -97,11 +92,7 @@ export function* recordGatedTracks(
 
 export function* getUSDCMetadata(stream_conditions: USDCPurchaseConditions) {
   const ownerAccount = yield* call(queryAccountUser)
-  const wallet = ownerAccount?.erc_wallet ?? ownerAccount?.wallet
-  const ownerUserbank = yield* call(getOrCreateUSDCUserBank, wallet)
   const priceCents = stream_conditions.usdc_purchase.price
-  const priceWei = Number(USDC(priceCents / 100).value.toString())
-  const payoutWallet = ownerUserbank?.toString() ?? ''
   const conditionsWithMetadata: USDCPurchaseConditions = {
     usdc_purchase: {
       price: priceCents,
@@ -110,9 +101,8 @@ export function* getUSDCMetadata(stream_conditions: USDCPurchaseConditions) {
       }),
       splits: [
         {
-          payout_wallet: payoutWallet,
-          percentage: 100,
-          amount: priceWei
+          user_id: ownerAccount!.user_id!,
+          percentage: 100
         }
       ]
     }