MoneyFund Whitepaper
Asset Layer
Distribution Layer
Profit Layer
Equities
Unlike crypto, equities rely on fundamentals more than speculative degeneracy. While that tends to be positive, existing systems & structures are perhaps equally flawed in their own ways. Equity is made up out of thin air and thus carries ever-present risks like dilution and centralized control. There are basically two types: private equity + stocks. Private equity often requires you to be an accredited investor which is basically a rich person. This means poor people cant buy companies until they get listed on a public ponzi at massively inflated valuations. It’s also difficult to fund many risky business endeavors with traditional systems because they’re gatekept by boomers and regulators. For instance an IPO costs about 25 million dollars. The stock market has a number of familiar flaws like restricted trading hours. Due to the aforementioned inferiorities both of these analog asset types will be replaced by ERC-20 tokens. Summary of downsides: high friction, mutable supply, mutable dividends.
This diagram represents 99% of cryptocurrencies & the larger problem MoneyFund seeks to solve. These are pointless nonsense coins which is only sustainable for top-quality memes. Certain cartoons are great for short-term gambling but the space has become predictably oversaturated with fagcoins that are resented by normal people. The main barrier to shitcoin adoption is their vapid uselessness. Besides coordinated wealth transfers, shitcoins are purposeless and thus automatically dismissed from the conversations of productive society. Despite significant shortcomings, tokens still outshine equities in many key ways. ERC-20 tokens operate on a decentralized network that ensures trustless & permissionless transacting 24/7 globally. The Ethereum blockchain is the oldest + largest smart contract platform in the world. This network effect, as well as the inherent composability of ERC-20 tokens, has allowed them to gain widespread adoption as the global standard for tokenized assets like stablecoins. Summary of downsides: people are tired of gay nonsense.
MoneyFund combines the sustainability of traditional business with the transparency + decentralization of the Ethereum blockchain. No more expensive IPOs, no more scam ICOs- the future is IMOs. Initial Money Offerings are the gold standard for tokenized asset deployment and all coins launched elsewhere should be dismissed & discredited. MFTL tokens allow for unlimited customization within secure parameters. This constrained flexibility allows MoneyFund infrastructure to facilitate the creation + management of uniquely productive assets. In addition to the benefits of being built on the largest defi network in the world, MF offers additional advantages over traditional equities- the largest two being transparency and immutability. For instance walmart can delist or change prices at any time whereas the storefronts produced by our factory include a listing timelock mechanism to enhance operational transparency. This is beneficial to users who are considering investing in some MFTL token thats connected to an NFT storefront for example. Users can view the store’s inventory and timelocks to know the minimum duration that items will be locked in the storefront + listed at their current price for. This allows auditors to know how long the MFTL token will be backed by listings. Similarly, dividend immutability is a significant upgrade to the offchain tradfi model. Once a dividend pool is deployed nobody can make changes. Same thing for tokens- once a coin is launched the company it represents cannot dilute shareholders unless something like a mintable function is explicitly written in the contract. Summary of downsides: none.
Where does the MONEY come from?
MONEY
Dividends
Dividends
0
Fee Structure
| Contract | Fee Type | MoneyFund Wallet | MONEY Dividends | Additional Notes |
|---|---|---|---|---|
| Coin Launcher | 0.2% Launch | 0.1% (10 bps) of supply | 0.1% (10 bps) of supply | Optional: Up to 3% transaction fee; MoneyFund takes 30% (15% to each platform wallet) |
| ETF Launcher | 0.35% Transaction | 0.125% (12.5 bps) | 0.125% (12.5 bps) | 0.1% (10 bps) MONEY burned; Optional: Custom fee to creator |
| Dividend Launcher | 0.5% Stake/Unstake/Claim | 0.5% (50 bps) | None | Early unstake penalties to pool creator |
| DAO Launcher | 0.5% Swap | 0.25% (25 bps) | 0.25% (25 bps) | – |
| Storefront Launcher | 0.4% Sale | 0.2% (20 bps) | 0.2% (20 bps) | 99.6% (9960 bps) to custom shareholders (unlimited number) |
| Ad Space Launcher | 0.4% Platform | 0.2% (20 bps) | 0.2% (20 bps) | Remaining bid after refund to custom receivers (unlimited number); $1 USD comment fee to highest bidder |
| Multiswap Launcher | 0.1% Primary | 0.05% (5 bps) | 0.05% (5 bps) | Optional: Up to 3% (300 bps) to custom receivers (unlimited number) |
| MoneyFund DEX | 0.5% Swap | 0.1% (10 bps) | 0.1% (10 bps) | 0.3% (30 bps) to liquidity providers |
Fund Flow
The MoneyFund protocol consists of seven interconnected factory smart contracts that are divided into three categories and collectively referred to as the tri-layer launchpad. Smart contracts are digital agreements that run on the blockchain and automatically execute when conditions are met, such as transferring funds upon task completion. Picture a vending machine: you select a drink, insert money, and it dispenses— no cashier required. Smart contracts work in a similar way. A factory smart contract is like a vending machine for vending machines…a contract that creates contracts. Users input custom settings and the factory generates a new contract on the blockchain with those parameters applied. The tri-layer launchpad enables anyone to codelessly deploy custom smart contracts by filling out simple forms.
The Asset Layer enables creation of ERC-20 tokens and ETFs. Fed by distribution contracts, this is the destination for value in MF’s trilayer model. This layer has limited scope for expansion.
The Distribution Layer manages token allocations through custom staking pools and DAOs, serving as the vehicle that connects assets to profit layer contracts. It supports some growth potential with upcoming contracts like the Multisig Launcher.
The Profit Layer generates external cashflow via contracts like Multiswap, Storefront, and Auction factories. These revenue-generating smart contracts are used to break up the ponzi-like circle jerk that characterizes most shitcoins, thus giving them sustainable life through the ability to become productive on-chain businesses rather than pointless + inert scams. This layer has enormous growth potential.
Coin Launcher
- CustomERC20: Create your own ERC-20 token by setting its name, ticker, and total supply. Optionally add transaction fees up to 3%, with 70% going to your chosen wallet addresses and 30% split equally between MoneyFund Wallet and MONEY Dividends. A 0.2% launch fee applies, also split equally between the two platforms. Users can send tokens, approve spending, and check balances. Transparency is ensured through functions to view token name, ticker, total supply, decimal places, user balances, approved spending, fee recipient addresses, fee distribution shares, fee percentage, and transfer event logs for transaction history.
ETF Launcher
USER
Mint Shares
Burn/Withdraw
- Creator Functionality: Build an ETF fund by selecting ERC-20 tokens (excluding WETH) and setting their percentage allocations (summing to 100%). Choose a name, ticker, and optional transaction fee for your wallet. The fund uses Uniswap V2 for token swaps and Chainlink for ETH/USD pricing. A 0.35% transaction fee applies, with 0.125% each to MoneyFund Wallet and MONEY Dividends, 0.1% to burn MONEY tokens, and the rest to your fee address. Transparency is provided through functions to view token addresses, token allocations, share price in wei, fund performance, creator fee wallet, optional fee amount, fund holdings, and all actions logged on-chain.
- Fee Structure: 0.35% transaction fee on minting, burning, and withdrawing: 0.125% to MoneyFund Wallet, 0.125% to MONEY Dividends, 0.1% to burn MONEY tokens, and optional creator fee.
- User Functionality: Deposit ETH to mint ETF shares, burn shares to get ETH back, or withdraw underlying tokens. Check fund details, token balances, share prices, and performance metrics via functions for share price, holdings, and performance. All actions are transparent, with events logged for minting, burning, and withdrawals.
Dividend Launcher
USER
Stake
Claim Dividends
Unstake
- Creator Functionality: Set up a staking pool for an ERC-20 token, defining the token address, lock duration, initial penalty for early withdrawal, and daily penalty reduction (up to 365 days). You receive penalties from early unstakers, calculated as penalty = initialPenalty – (daysElapsed * dailyPenaltyDecay). For example, a 20% initial penalty with 1% daily decay results in a 15% penalty after 5 days. Each stake issues a unique NFT (ERC-721) for tracking, transferable on secondary markets like OpenSea. A 0.5% fee applies to staking, unstaking, and reward claims, going to MoneyFund Wallet. Transparency is ensured through functions to view staking token, lock period, penalty and decay rate, total tokens staked, stake amount and lock status, available rewards, and all actions logged on-chain.
- Fee Structure: 0.5% fee on staking, unstaking, and reward claims to MoneyFund Wallet. Early withdrawal penalties to the creator.
- User Functionality: Deposit tokens to stake and receive a unique NFT for your stake, transferable on secondary markets. Claim dividends in ETH or ERC-20 tokens based on your share of the pool (e.g., 1000 tokens staked in a pool of 10,000 tokens = 10% of rewards, like 0.1 ETH for 1 ETH total). Unstake tokens after the lock period, or earlier with a penalty (e.g., 15% after 5 days with 20% initial penalty and 1% daily decay). Register additional reward tokens to distribute. Transparency is provided through functions for stake details, pool total, rewards, and all actions logged on-chain.
DAO Launcher
USER
Create Proposal
Vote on Proposal
Execute Proposal
- Creator Functionality: Launch a DAO with an ERC-20 token for voting, setting the voting period (minimum 1 hour), mode (Rape or Standard), percentage of tokens locked during votes (0.01%-100%), approval threshold (1%-100%), daily proposal limit, and slippage for swaps (up to 10%). Supports token swaps via Uniswap V2. A 0.5% fee on executed swaps splits equally between MoneyFund Wallet and MONEY Dividends. Transparency is provided through functions to view voting token, proposal duration, Rapid/Standard mode, locked token percentage, votes needed, daily proposal limit, swap slippage, proposal details, voter influence, locked tokens, and all actions logged on-chain.
- User Functionality: Propose token swaps (ETH-to-ERC20 or ERC20-to-ETH), vote on proposals with a portion of your tokens locked, reclaim tokens after voting, and execute approved proposals. View DAO settings, proposal details, voting weights, and locked token status via functions for proposal details, voter influence, and locked tokens, with all actions transparently logged.
Storefront Launcher
USER
Buy NFT
- Creator Functionality: Create an NFT marketplace by setting shareholder wallets and their profit shares (up to 99.6%). Deposit and list ERC-721 NFTs with your chosen price in ETH or ERC-20 tokens, and set a timelock for listings. Cancel listings or withdraw NFTs after the timelock. A 0.4% sale fee splits equally between MoneyFund Wallet and MONEY Dividends, with the rest to your shareholders. Transparency is provided through functions to view active listings, shareholder addresses, profit shares, total sales value, ETH profits, token profits, average sale price, highest sale price, and all actions logged transparently.
- User Functionality: Buy NFTs from the marketplace using ETH or ERC-20 tokens. Check listing details, sales statistics, and profit distributions via functions for active listings, sales value, and shareholders, with all purchases logged on-chain for transparency.
Ad Space Launcher
USER
Place Bid
Adjust Ad Settings
Comment on Ad
- Creator Functionality: Launch a continuous ad auction by setting a refund percentage (0-100%), fee receivers for non-refunded bids, starting bid, minimum bid increment, ad lock duration, initial comment fee, and payment token (ETH or ERC-20). A 0.4% bid fee splits equally between MoneyFund Wallet and MONEY Dividends. Transparency is provided through functions to view bid refund rate, non-refunded bid recipients, bid distribution shares, highest bid, top bidder address, current ad content, bid count, comment fee and length, comment list, and all actions logged transparently.
- User Functionality: Bid on ad space with ETH or ERC-20 tokens, including a message or link. If you’re the highest bidder, adjust comment fees, message length, or payment token (one-time), or clear all comments. Comment on the ad by paying a fee (minimum $1 USD equivalent), with 99.6% to the bidder and 0.4% split equally between the MoneyFund Wallet and MONEY Dividends. View bids, comments, and auction details via functions for highest bid, ad content, and comments, all logged on-chain.
Multiswap Launcher
USER
Swap Functions
- Swap ETH to one token.
- Swap one token to ETH.
- Swap one token to another token.
- Swap ETH to multiple tokens.
- Swap multiple tokens to other tokens.
Send Functions
- Send multiple tokens to multiple people.
- Send multiple tokens to one person.
- Send one token to multiple people.
- Send one token to one person.
- Send ETH to one person.
- Send ETH to multiple people.
- Creator Functionality: Build a trading platform for swapping and distributing tokens or ETH, with optional fees up to 3% for swaps and distributions, sent to your chosen wallets. A 0.1% platform fee splits equally between MoneyFund Wallet and MONEY Dividends. Embed the platform as a widget on any website. Transparency is provided through functions to view swap fee recipients, swap fee distribution, total swap fee, distribution fee recipients, distribution fee distribution, total distribution fee, cumulative fees, transaction count, and all actions logged transparently.
- User Functionality: Swap ETH for tokens, tokens for ETH, or tokens for other tokens, including batch swaps for multiple tokens (e.g., 1 ETH for 500 DAI and 250 LINK). Distribute tokens or ETH to one or multiple recipients in a single transaction (e.g., 1000 DAI to 5 addresses). View transaction details, fees, and counts via functions for cumulative fees and transaction count, with all actions logged on-chain for transparency.
MoneyFund DEX
USER
Swap Tokens
Add/Remove Liquidity
- MoneyFund DEX (DEX Layer): An automated market maker (AMM) for swapping ETH and ERC-20 tokens using liquidity pools. Swaps use the constant product formula x * y = k, where x and y are token reserves, ensuring price stability. Users add or remove liquidity to earn 0.3% swap fees, with 0.1% each to MoneyFund Wallet and MONEY Dividends. Transparency is provided through functions to view token pair reserves, LP token balance, swap transaction log, pool token balance, and all actions logged on-chain.
- Fee Structure: 0.5% swap fee: 0.3% to liquidity providers, 0.1% each to MoneyFund Wallet and MONEY Dividends.
Contract Features Comparison
| Contract | Fees | Creator Functions | User Functions | Getter Functions |
|---|---|---|---|---|
| Coin Launcher | 0.2% launch fee (0.1% each to MoneyFund Wallet, MONEY Dividends); Optional up to 3% transaction fee (70% to custom receivers, 15% each to MoneyFund Wallet, MONEY Dividends) | deployToken(name, symbol, totalSupply, feeReceivers, feeShares, feeAmount) |
transfer(to, amount), approve(spender, amount), transferFrom(from, to, amount) |
name(), symbol(), totalSupply(), decimals(), balanceOf(address), allowance(address, address), feeReceivers(), feeShares(), feeAmount(), transfer event logs |
| ETF Launcher | 0.35% transaction fee (0.125% each to MoneyFund Wallet, MONEY Dividends, 0.1% MONEY burned, optional creator fee) | launchFund(tokens, weights, name, symbol, feeReceiver, feeAmount) |
mintWithEth(amount), burn(amount), withdraw(amount) |
getTokens(), getWeights(), getPricePerShare(), getAppreciation(), getFeeReceiver(), getFeeAmount(), getTokenBalances(), mint/burn/withdraw event logs |
| Dividend Launcher | 0.5% stake/unstake/claim fee to MoneyFund Wallet; Early unstake penalties to creator | launchPool(tokenAddress, lockDuration, initialPenalty, dailyPenaltyDecay) |
stake(amount), claimAllRewards(tokenId), claimSpecificRewards(tokenId, rewardTokens), unstake(tokenId), registerRewardToken(tokenAddress) |
getTokenAddress(), getLockDuration(), getPenaltySettings(), getTotalStaked(), getStakeDetails(tokenId), getRewardBalances(), stake/unstake/claim event logs |
| DAO Launcher | 0.5% swap fee (0.25% each to MoneyFund Wallet, MONEY Dividends) | launchDAO(tokenAddress, votingPeriod, mode, lockPercentage, approvalThreshold, maxProposalsPerDay, slippage) |
createProposal(type, destination, amount, tokenAddress), vote(proposalId, support), reclaimTokens(), executeProposal(proposalId) |
getTokenAddress(), getVotingPeriod(), getMode(), getLockPercentage(), getApprovalThreshold(), getMaxProposalsPerDay(), getSlippage(), getProposalDetails(proposalId), getVotingWeights(address), getLockedTokens(address), proposal/vote/execute event logs |
| Storefront Launcher | 0.4% sale fee (0.2% each to MoneyFund Wallet, MONEY Dividends); 99.6% to shareholders | launchStorefront(payees, shares), depositNFT(tokenAddress, tokenId), listNFT(tokenAddress, tokenId, price, paymentToken, timelockDuration), cancelListing(tokenAddress, tokenId), withdrawNFT(tokenAddress, tokenId) |
buy(tokenAddress, tokenId, paymentToken) |
getListings(), getPayees(), getShares(), getTotalSales(), getEthProfits(), getTokenProfits(tokenAddress), getAverageSalePrice(), getHighestSalePrice(), sale event logs |
| Ad Space Launcher | 0.4% bid fee (0.2% each to MoneyFund Wallet, MONEY Dividends); 99.6% comment fee to bidder | launchAuction(refundedPercentage, feeReceivers, feeShares, startingBid, minBidIncrement, adLockDuration, signFeeWei, maxSignerLength, signPaymentToken) |
placeBid(adURI, bidAmount), updateSignParameters(newSignFeeWei, newMaxSignerLength), updateSignPaymentToken(newSignPaymentToken), deleteAllSigners(), signAd(signerName) |
getRefundedPercentage(), getFeeReceivers(), getFeeShares(), getHighestBid(), getTopBidder(), getAdURI(), getBidCount(), getSignFeeWei(), getMaxSignerLength(), getSigners(), bid/sign event logs |
| Multiswap Launcher | 0.1% platform fee (0.05% each to MoneyFund Wallet, MONEY Dividends); Optional up to 3% swap/distribution fee to custom receivers | launchMultiswap(swapFeeReceivers, swapFeeShares, swapFee, distributionFeeReceivers, distributionFeeShares, distributionFee) |
swapEthForTokens(), swapTokensForEth(), swapTokensForTokens(), swapEthForMultipleTokens(), swapMultipleTokensForTokens(), distributeMultipleTokensToMultipleAddresses(), distributeMultipleTokensToSingleAddress(), distributeSingleTokenToMultipleAddresses(), distributeSingleTokenToSingleAddress(), distributeEthToSingleAddress(), distributeEthToMultipleAddresses() |
getSwapFeeReceivers(), getSwapFeeShares(), getSwapFee(), getDistributionFeeReceivers(), getDistributionFeeShares(), getDistributionFee(), getCumulativeFees(), getTransactionCount(), swap/distribution event logs |
| MoneyFund DEX | 0.5% swap fee (0.3% to liquidity providers, 0.1% each to MoneyFund Wallet, MONEY Dividends) | – | swapToken0ForToken1(amountIn, amountOutMin), swapToken1ForToken0(amountIn, amountOutMin), addLiquidity(amount0, amount1), removeLiquidity(amount) |
getReserves(), getLiquidityBalance(address), getSwapLogs(), getPoolBalance(), swap/liquidity event logs |
Frequently Asked Questions
How do I launch a custom ERC-20 token with Coin Launcher?+
Go to Coin Launcher, enter the token’s name, ticker, total supply, and optional transaction fees (up to 3%). Specify fee receivers and shares (summing to 10,000 basis points). A 0.2% launch fee applies, split equally (0.1% each) to MoneyFund Wallet and MONEY Dividends. After launch, the token supports all standard ERC-20 functions.
How are ETF fund prices calculated?+
ETF prices are calculated using Chainlink’s ETH/USD feed and Uniswap V2 pair prices for underlying tokens. The price per share in wei reflects the weighted value of tokens (weights sum to 10,000 basis points). For example, an ETF with 50% DAI and 50% LINK, where DAI = $1 and LINK = $10, has a share price based on the weighted average converted to ETH via Chainlink. Functions for share price, historical appreciation, and token balances provide transparency.
What is a DAO?+
A Decentralized Autonomous Organization (DAO) is a blockchain-based system governed by smart contracts, allowing token holders to vote on proposals without centralized control. In MoneyFund’s DAO Launcher, users propose and vote on token swaps (e.g., ETH to DAI) using an ERC-20 token. Voting locks a percentage of tokens to prevent double-voting, and approved proposals are executed via Uniswap V2. Functions for proposal details and voter influence ensure transparency.
What types of proposals can be created in a DAO?+
DAO proposals, created via DAO Launcher, include ETH-to-ERC20 or ERC20-to-ETH swaps via Uniswap V2. Specify the proposal type, destination address, amount, and token address. Proposals require an approval threshold (1-100%) and lock a percentage of voter tokens until voting ends. Functions for proposal status, voter influence, and locked tokens detail proposal status, votes, and execution outcomes.
How do Dividend pool rewards work?+
Users stake tokens in a Dividend pool to receive ERC-721 tokens. Rewards (ETH or ERC-20) are distributed proportionally based on staked tokens relative to the total staked amount (e.g., 1000 tokens staked in a pool of 10,000 tokens = 10% of rewards, like 0.1 ETH for 1 ETH total). Claim dividends for all reward tokens or specific tokens. Early unstaking incurs penalties to the creator (e.g., 20% initial penalty with 1% daily decay results in a 15% penalty after 5 days), calculated as penalty = initialPenalty – (daysElapsed * dailyPenaltyDecay). A 0.5% fee on staking, unstaking, and claims to MoneyFund Wallet.
How do Dividend receipt NFTs work?+
When you stake tokens in a Dividend pool via Dividend Launcher, the contract mints a unique ERC-721 NFT to your wallet, representing your stake (e.g., 1000 tokens for 30 days). This NFT tracks your stake details and can be transferred on secondary markets like OpenSea while tokens remain staked, allowing others to claim your rewards or unstake (subject to penalties if early). The contract mints the NFT for staking, burns it to return tokens, and provides functions to view stake amount, lock period, and rewards. Events log all actions for transparency.
Can I customize NFT listing payments in Storefront?+
Yes, creators list NFTs via Storefront Launcher with prices in ETH (set token address to 0) or any ERC-20 token. Specify custom payees and shares per listing, overriding default shareholders if desired. A 0.4% sale fee applies, split equally (0.2% each) to MoneyFund Wallet and MONEY Dividends, with 99.6% to payees.
How do Ad Space comments and refunds work?+
In Ad Space auctions, users comment by paying a fee (minimum $1 USD equivalent, set by creator or highest bidder in ETH or ERC20 tokens) paid to the bidder, with 0.4% split equally (0.2% each) to MoneyFund Wallet and MONEY Dividends. Bids are refunded (0-100% as set by creator) when outbid, with non-refunded portions to fee receivers. For example, a 90% refund leaves 10% split among receivers. Functions for highest bid, ad content, and comments show comment details and bid history.
What makes Multiswap unique?+
Multiswap, launched via Multiswap Launcher, supports batch swaps (ETH-to-tokens, token-to-token, multi-token swaps) and batch distributions (tokens/ETH to single/multiple recipients). For example, swap 1 ETH for 500 DAI and 250 LINK or send 1000 DAI to 5 addresses in one transaction. A 0.1% fee splits equally (0.05% each) to MoneyFund Wallet and MONEY Dividends, with optional fees up to 3%. The widget embeds on any website, and functions for cumulative fees and transaction count track transaction details.
How does the MoneyFund DEX differ from Multiswap?+
MoneyFund DEX supports standard swaps and liquidity provision, with a 0.5% swap fee: 0.1% each to MoneyFund Wallet and MONEY Dividends, and 0.3% to liquidity providers. The MF DEX is our own AMM built from scratch, whereas Multiswap is a factory contract built on top of Uniswap, allowing unique batch swaps and distributions. Functions for pool reserves and swap transaction logs provide transparency.
What transparency features are available across contracts?+
All contracts provide extensive public functions for settings (e.g., fees, tokens, shares), transaction history (e.g., swaps, sales, bids), balances (e.g., tokens, ETH, rewards), and user actions (e.g., stakes, votes). Examples include functions for ETF prices, staking info, and DAO votes. Events log deployments, transactions, and updates, ensuring blockchain-level transparency without backend dependencies.
Is MoneyFund open-source?+
MoneyFund’s smart contracts will be open-sourced once the platform reaches a $1 million market cap, releasing all 62,000 lines of code for public audit. Until then, the code remains proprietary, but all contract actions are transparent on-chain via public functions and event logs, ensuring verifiability.
Is MoneyFund secure?+
Yes, MoneyFund prioritizes security through non-custodial wallets, where users retain full control of their private keys. Connect via MetaMask or create a burner wallet on MoneyFund, transfer funds for transactions, and export keys without platform storage. If you lose your keys, no recovery is possible due to self-custody. Once open-sourced at a $1 million market cap, the 62,000 lines of code can be audited by anyone to verify security. Contracts use ReentrancyGuard (as seen in ETFManager) and follow best practices for secure execution.
Who created MoneyFund?+
My name is Shane- I’m the owner & only employee.