Introduction
MoneyFund is an Ethereum-based DeFi protocol featuring two assets (MONEY, USDM) and six Dapps (DEX, Fund Launcher, Staking Pool, DAO, Airdropper, and Coin Launcher). MONEY, with a fixed 1 million token supply, serves as the backbone of the ecosystem as it captures value from all six smart contracts. Revenue is distributed to MONEY holders through staking dividends and DAO treasury allocations. This white paper details their interconnected mechanics and revenue streams.
Contracts
Stats
Staking Mechanism
The MoneyFund staking mechanism enables MONEY holders to earn passive income by depositing tokens into a dividend pool. Stakers receive a proportional share of ecosystem revenue from 0.1% DEX swap fees, USDM minting fees, 0.1% of coin launches, 0.1% of fund launches, and 0.1% of airdrops. Staked tokens require a 7-day minimum lock-up. Early withdrawal incurs a 20% penalty to prevent exploitation. Daily dividends, including ETH and ERC20 tokens, are distributed based on each staker’s pool share. For example, 1% of staked tokens yields 1% of daily revenue. A daily claim cooldown ensures fair distribution. The system ties ecosystem activity to holder rewards, aggregating diversified fees from multiple sources. Contributions from these five revenue streams makes staking attractive for investors seeking sustainable returns.
MoneyFund Staking
MONEY Holders
↓
Stake Tokens
Stake Tokens
Early Exit
(20% Penalty)
(20% Penalty)
←20% Fee
Dividend Pool
(7-day Lock)
(7-day Lock)
↓
Revenue
Revenue
0.1% DEX Fees
USDM Fees
0.1% Coins
0.1% Funds
0.1% Airdrops
↓
Payout
Payout
Daily Dividend
(1% = 1%)
(1% = 1%)
DAO
The MoneyFund DAO enables MONEY holders to govern the protocol through a voting system where influence is proportional to MONEY ownership. For example, holding 1% of the 1 million MONEY grants 1% voting power. The DAO treasury is funded by 0.1% per DEX Swap, 0.1% of Coin launches, and 0.1% of airdrops, and USDM minting fees. Up to 5 daily proposals undergo a 24-hour voting period, requiring 51% approval for actions like withdrawing funds or swapping ERC20 tokens. At the end of the voting period, all non-voting weight automatically supports proposals to prevent stagnation. Approved proposals are executed autonomously by the smart contract.
MoneyFund DAO
MONEY Holders
↓
Ownership
Ownership
Voting Power
(1% = 1%)
(1% = 1%)
↓
Funds
Funds
0.1% DEX Swap
0.1% Coins
0.1% Airdrops
USDM Fees
↓
Revenue
Revenue
DAO Treasury
↓
Proposals
Proposals
Up to 5 Daily
Proposals
Proposals
↓
Vote
Vote
24-Hour Voting
(51% Approval)
(51% Approval)
→Non-Voters
Auto-Support
↓
Approved
Approved
Smart Contract
Execution
Execution
Fund Launcher
The MF Fund Launcher allows users to create custom, ETF-style weighted funds. Users can create hybrid assets that combine any ERC-20 tokens at any weights, so long as they sum to 10,000 basis points. Fund creators are incentivized during the creation process whereby they’re able to specify the fee amount (in basis points) and fee receiver of their choice. Additionally, a hardcoded 0.2% fee is collected from all transactions and split equally between the Money staking pool and Shane’s wallet at 0.1% each. Similarly, 0.1% of every transaction’s USD value is burned in MONEY, furthering deflationary pressure.
Fund Launcher
Users
↓
Custom Fund
↓
Specify
Specify
ERC-20 Tokens
(10,000 BP)
(10,000 BP)
Fee Amount
(BP)
(BP)
Fee Receiver
↓
Create Fund
Create Fund
Fund Launched
↓
Transactions
Transactions
0.2% Fee
↓
Split
Split
Money Staking
(0.1%)
(0.1%)
←0.1% Fee
Fee Split
→0.1% Fee
Shane’s Wallet
(0.1%)
(0.1%)
↓
Burn & Fee
Burn & Fee
0.1% USD Value
MONEY Burn
MONEY Burn
Custom Creator Fee
USDM Stablecoin
USDM is a decentralized stablecoin that is pegged 1:1 to the US dollar. Most popular stablecoins have a blacklist mechanism that enables the issuer to render funds used in crimes useless. USDM is uncensorable; Unlike USDC and USDT which have centralized issuers (Circle and Tether respectively), USDM has no issuer and no off switch, as it is managed by smart contracts. Perhaps an even greater advantage of USDM is its hybridized structure. The biggest risk to stablecoins is a black swan event where they depeg from the US Dollar- one example being TerraUSD in 2022 which wiped out 40 billion dollars. Even the world’s most popular stablecoin (USDC) has briefly depegged. To mitigate these singular risks, USDM self-collateralizes with four different stablecoins: USDC, DAI, USDP, and GUSD. This equal allocation between the 4 stablecoins spreads the risk across multiple issuers so that no singular black swan event can nuke your entire savings. Minting USDM incurs a small fee (0.2%), split between the staking pool and DAO treasury. To mint USDM you must simultaneously burn MONEY which creates uncapped deflationary pressure on the central token.
USDM Stablecoin
Users
↓
Burn/Send
Burn/Send
Burn MONEY
+and
Send ETH
↓
Collateral
Collateral
MONEY
USDC
DAI
USDP
GUSD
Staking Pool
(0.1%)
(0.1%)
←0.1% Fee
0.2% Fee
→0.1% Fee
DAO Treasury
(0.1%)
(0.1%)
↓
Mint
Mint
USDM Minting
Coin Launcher
The MoneyFund Launchpad enables ERC20 token creation in under 30 seconds. Developers specify name, ticker, supply, and image, then hit launch. Additionally, 0.1% of the new token’s supply goes to the staking pool and 0.1% goes to the DAO treasury. Created tokens integrate with the DEX for trading and liquidity provision. The Launchpad simplifies issuance, attracting new Ethereum projects to the ecosystem.
MoneyFund Launchpad
Users
↓
Access
Access
Launchpad
↓
Specify
Specify
Name, Ticker
Supply, Image
↓
Launch
Launch
Token Created
Staking Pool
(0.1%)
(0.1%)
←0.1% Supply
0.2% Supply
→0.1% Supply
DAO Treasury
(0.1%)
(0.1%)
↓
DEX Integration
DEX
The MoneyFund DEX, a Uniswap V2-inspired decentralized exchange, facilitates token swaps and liquidity provision for MONEY, USDM, and other assets. It deducts 0.1% per swap for the staking pool and 0.1% for the DAO. Users deposit token pairs, such as MONEY and USDM, to receive LP tokens and earn 0.3% of pool swaps proportional to their contribution. The DEX supports seamless pair creation and liquidity management with an incentive structure that benefits both liquidity providers and MONEY holders.
MoneyFund DEX
Users
↓
Interact
Interact
DEX
Token Swaps
←Swaps
Actions
→Liquidity
Pair Creation
Staking Pool
(0.1%)
(0.1%)
←0.1% Fee
0.2% Fee
→0.1% Fee
DAO
(0.1%)
(0.1%)
↓
Deposit
Deposit
Token Pairs
↓
Liquidity Pool
↓
Receive
Receive
LP Tokens
↓
Earn
Earn
0.3% Swap Rewards
Airdropper
The MoneyFund Airdropper streamlines token distribution, enabling projects to send tokens to unlimited addresses in one transaction. This compression contract reduces gas costs by approximately 45% compared to individual transfers. A 0.1% fee per airdrop splits evenly between the staking pool and DAO treasury.
MoneyFund Airdropper
Users
↓
Access
Access
Airdropper
↓
Distribute
Distribute
Token Distribution
Staking Pool
(0.05%)
(0.05%)
←0.05% Fee
0.1% Fee
→0.05% Fee
DAO Treasury
(0.05%)
(0.05%)
Wallets
MoneyFund wallets are fully non-custodial which means that you are the only person with access to your private key- there’s no 3rd party database that can recover it for you. With great security comes great responsibility…don’t lose your key. The platform supports standard + vanity wallet address creation, as well as built in .eth domain registration.