MoneyFund

The tri-layer launchpad for codelessly deploying custom smart contracts on Ethereum.

The MoneyFund protocol consists of eight 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. A factory smart contract is like a vending machine for vending machines โ€” a contract that creates contracts. The tri-layer launchpad enables anyone to codelessly deploy custom smart contracts by filling out simple forms. In addition to the eight factories, the protocol includes standalone utility contracts such as the MoneyFund DEX (a custom AMM), an Airdrop tool for batch token distributions, and a dedicated MONEY Dividends staking contract โ€” all of which feed into the unified fee ecosystem.

Asset Layer

Creates tokens & ETFs

Distribution Layer

Staking pools & DAOs

Profit Layer

Revenue-generating contracts

Entity Structure

Three-tier holding structure โ€” vault, nexus, and subsidiaries.

Value Flow Diagrams

How MoneyFund compares to equities and shitcoins

Equities

value invalue outBusinessSharesDividends$$$

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.

Shitcoins

value invalue outTokensNothingNothing$?

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.

MoneyFunds

value invalue outBusinessDividendsTokens$$$

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?

Every contract feeds revenue into the MONEY dividend pool

MONEY0
๐Ÿš€

Coin Launches

0.1%

๐Ÿช™

Optional fees

15%

๐Ÿ“ˆ

ETFs

0.125%

๐Ÿ’ฐ

DEX swaps

0.1%

๐Ÿ›

DAOs

0.25%

๐Ÿ›

Storefronts

0.2%

๐Ÿ“ฐ

Ad Space

0.2%

๐Ÿ”„

Multiswaps

0.05%

๐ŸŽ

Airdrops

0.1%

Tri-Layer Architecture

Three interconnected layers that power the MoneyFund ecosystem

Asset Layer

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.

Distribution Layer

The Distribution Layer manages token allocations and governance through custom staking pools, DAOs, and multisig wallets, serving as the vehicle that connects assets to profit layer contracts.

Profit Layer

The Profit Layer generates external cashflow via contracts like Multiswap, Storefront, and Auction factories โ€” giving tokens sustainable life through on-chain business.

Smart Contracts

Detailed breakdown of each factory contract

Coin Launcher

Creator

Set name, ticker, total supply, and optional transaction fees (up to 3%), with 70% going to your chosen wallets and 30% split equally between MoneyFund Wallet and MONEY Dividends. A 0.2% launch fee applies, also split equally.

User

Send tokens, approve spending, and check balances. All standard ERC-20 functions supported.

ETF Launcher

Creator

Build an ETF fund by selecting ERC-20 tokens and setting their percentage allocations (summing to 100%). Choose a name, ticker, and optional transaction fee. The fund uses Uniswap V2 for swaps and Chainlink for ETH/USD pricing. 0.35% transaction fee with 0.125% each to MoneyFund Wallet and MONEY Dividends, 0.1% to burn MONEY tokens.

User

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.

๐Ÿ“ˆ

ETF Launcher

Weighted token baskets with Uniswap V2 swaps and Chainlink pricing

Create โ†’ Mint โ†’ Burn Flow

๐Ÿ‘คCreator
createETF(name, symbol, tokens[], weights[])
โ†“
๐ŸญETF Manager
deploys ERC-20 share token
โ†“
๐Ÿ“ˆETF TokenERC-20 shares
Weighted Token Basket
WETH 40%
USDC 25%
LINK 20%
UNI 15%

Mint (Buy In)

ฮžETH
mintWithEth()
โ†“
๐ŸญManager
โ†“
Uniswap V2 swaps ETH โ†’ underlying tokens
โ†“
๐Ÿ“ˆETF Sharesminted to user
0.35% fee: 0.125% wallet + 0.125% dividends + 0.1% MONEY burn

Burn (Redeem)

๐Ÿ“ˆETF Shares
burn()
โ†“
๐ŸญManager
โ†“
Underlying tokens sold โ†’ ETH via Uniswap
โ†“
ฮžETHreturned to user
Shares burned, proportional ETH returned

Dividend Launcher

Creator

Set up a staking pool for an ERC-20 token, defining lock duration, initial penalty for early withdrawal, and daily penalty reduction (up to 365 days). Each stake issues a unique NFT (ERC-721) for tracking. A 0.5% fee applies to staking, unstaking, and reward claims.

User

Deposit tokens to stake and receive a unique NFT. Claim dividends in ETH or ERC-20 tokens based on your share of the pool. Unstake tokens after the lock period, or earlier with a penalty.

๐Ÿฅฉ

Dividend Launcher

ERC-721 staking pools with time-locked rewards and penalty mechanics

Architecture Overview

๐Ÿ‘คPool Creator
createPool()
โ†“
๐ŸญFactory0x5ef0...128a
deploys
โ†“
๐ŸฅฉStaking Poolper-token
Factory creates one pool per ERC-20 token with configurable penalty parameters
token
ERC-20 address
hardLock
Lock duration
initPenalty
Starting penalty %
decayRate
Daily reduction %

Staking Flow โ€” Tokens โ†’ NFT Receipt

๐Ÿ‘คStaker
approve(pool, amount)
โ†“
๐Ÿช™ERC-20 Token
then
โ†“
๐Ÿ‘คStaker
stake(amount)
โ†“
๐ŸฅฉPool
pool executes
โ†“
๐Ÿช™TokenstransferFrom
locked in
โ†“
๐Ÿ”’Pool Vault
+
๐ŸฅฉPool
mint()
โ†“
๐ŸŽซNFT ReceiptERC-721
0.5% Fee โ†’ MoneyFund WalletNFT = tradeable on OpenSea

Reward Distribution โ€” Proportional to Stake Share

ฮžETHreceive()
๐Ÿช™ERC-20transfer()
sent to pool
โ†“
๐ŸฅฉReward Pool
distributed by share
โ†“
๐ŸŽซ
50%
5,000 / 10,000
๐ŸŽซ
30%
3,000 / 10,000
๐ŸŽซ
20%
2,000 / 10,000
reward = (userStake / totalStaked) ร— rewardBalance
๐ŸŽซNFT Holder
claimAllRewards(tokenId)
โ†“
๐Ÿ’ฐETH + Tokensrewards sent
0.5% claim fee โ†’ MoneyFund Wallet

Unstaking โ€” NFT Burn + Penalty Mechanics

๐ŸŽซNFTERC-721
unstake(tokenId)
โ†“
๐ŸฅฉPool
pool executes
โ†“
๐Ÿ”ฅ
NFT Burned
Receipt destroyed
๐Ÿ’ฐ
Tokens Returned
amount โˆ’ penalty
โš ๏ธ
Penalty
โ†’ Pool Creator
Penalty Formula
penalty = initPenalty โˆ’ (daysAfterLock ร— decayPerDay)
breakeven = hardLock + (initPenalty / decayPerDay)

Interactive Penalty Timeline

7
30%
1%
Penalty Decay Timeline|Breakeven: 37.0 days
LOCKED
0% PENALTY
Day 0 โ†’ 43
Hard Lock (7d) Penalty Decay (โˆ’1%/day) Penalty-free

ERC-721 Receipt NFT โ€” Lifecycle

STEP 1
๐Ÿช™
Stake Tokens
Deposit ERC-20 into pool
STEP 2
๐ŸŽซ
NFT Minted
Unique ERC-721 receipt
STEP 3
๐Ÿ”„
Tradeable
Sell/transfer on OpenSea
STEP 4
๐Ÿ’ฐ
Claim Rewards
NFT holder earns dividends
STEP 5
๐Ÿ”ฅ
Unstake & Burn
Tokens returned, NFT destroyed

DAO Launcher

Creator

Launch a DAO with an ERC-20 token for voting, setting voting period, mode (Rape or Standard), locked token percentage, approval threshold, daily proposal limit, and slippage for swaps. 0.5% fee on executed swaps splits equally between MoneyFund Wallet and MONEY Dividends.

User

Propose token swaps (ETH-to-ERC20 or ERC20-to-ETH), vote on proposals with locked tokens, reclaim tokens after voting, and execute approved proposals.

๐Ÿ—ณ๏ธ

DAO Launcher

On-chain governance with token-weighted voting and proposal execution

Proposal Lifecycle

STEP 1
๐Ÿ“
Create Proposal
Send ETH or swap tokens
STEP 2
๐Ÿ—ณ๏ธ
Voting Period
Token holders vote Yes/No
STEP 3
โฑ๏ธ
Period Ends
Votes tallied by weight
STEP 4
โšก
Execute
If majority reached
STEP 5
๐Ÿ”“
Reclaim
Unlock voting tokens
Vote Weight Mechanics
Vote weightuserTokenBalance
Tokens locked during votevoteLockPct% of balance
Silence = Consentnon-voters count as Yes
Execution swap fee0.5% โ†’ wallet + dividends

Multisig Launcher

Creator

Deploy a multi-signature wallet by specifying required signers and confirmation threshold (M-of-N). Choose which addresses can propose, confirm, and execute transactions. Supports ETH transfers, ERC-20 token transfers, and arbitrary contract calls โ€” all requiring the configured number of approvals before execution.

User

Submit transactions for group approval, confirm or revoke pending transactions, and execute once the required threshold is met. View pending and executed transaction history, check signer status, and manage shared treasury assets securely without any single point of failure.

Storefront Launcher

Creator

Create an NFT marketplace by setting shareholder wallets and profit shares (up to 99.6%). Deposit and list ERC-721 NFTs with price in ETH or ERC-20 tokens, with timelock for listings. 0.4% sale fee splits equally between MoneyFund Wallet and MONEY Dividends.

User

Buy NFTs from the marketplace using ETH or ERC-20 tokens. Check listing details, sales statistics, and profit distributions.

๐Ÿ›’

Storefront Launcher

Decentralized NFT marketplace with custom payee splits

Marketplace Flow

๐Ÿ‘คCreator
createNFTLocker(payees, shares)
โ†“
๐ŸชStorefrontNFT Locker
then
โ†“
๐Ÿ“ฆ
Deposit NFT
ERC-721 โ†’ Locker
๐Ÿท๏ธ
List NFT
Set price + timelock
๐Ÿ’ณ
Buy NFT
ETH or ERC-20
๐Ÿ’ธ
Split Payment
99.6% to payees
0.4% sale fee: 0.2% wallet + 0.2% dividends

Ad Space Launcher

Creator

Launch a continuous ad auction by setting refund percentage (0-100%), fee receivers, starting bid, minimum bid increment, ad lock duration, comment fee, and payment token. 0.4% bid fee splits equally between MoneyFund Wallet and MONEY Dividends.

User

Bid on ad space with ETH or ERC-20 tokens. If highest bidder, adjust comment fees, message length, or payment token. Comment on ads by paying a fee (minimum $1 USD).

๐Ÿ–ผ๏ธ

Ad-space Launcher

Continuous ascending auctions with configurable refund and comment mechanics

Auction Lifecycle

๐Ÿ‘คCreator
deployAuction()
โ†“
๐Ÿ–ผ๏ธAuction Contract
โ†“
๐Ÿ’ฐ
Place Bid
Must exceed previous + increment
โ†ฉ๏ธ
Refund
0-100% of outbid amount returned
โœ๏ธ
Sign Ad
Comment for a fee ($1+ USD)
0.4% bid fee: 0.2% wallet + 0.2% dividends

Multiswap Launcher

Creator

Build a trading platform for swapping and distributing tokens/ETH, with optional fees up to 3%. 0.1% platform fee splits equally between MoneyFund Wallet and MONEY Dividends. Embed as a widget on any website.

User

Swap ETH for tokens, tokens for ETH/tokens, including batch swaps. Distribute tokens/ETH to one or multiple recipients in a single transaction.

๐Ÿ™

Multiswap Launcher

Batch swaps and distributions via Uniswap V2 in a single transaction

Swap + Distribute Architecture

๐Ÿ‘คDeployer
deploy(swapReceivers, distReceivers)
โ†“
๐Ÿ™Multiswap Widget
โ†“
โ‡„
Batch Swaps
ETH โ†’ Multiple tokens
Token โ†’ Multiple tokens
Multi-hop routing
๐Ÿ“ค
Batch Distributions
ETH to many wallets
Tokens to many wallets
Custom split %
0.1% fee: 0.05% wallet + 0.05% dividends

MoneyFund DEX

User

A custom-built automated market maker (AMM) for swapping ETH and ERC-20 tokens. Unlike Multiswap (which routes through Uniswap), the DEX maintains its own liquidity pools and constant-product pricing. Users add or remove liquidity to earn 0.3% swap fees. Total 0.5% swap fee: 0.3% to LPs, 0.1% each to MoneyFund Wallet and MONEY Dividends.

๐Ÿ’

MoneyFund DEX

Custom AMM with constant-product pools and LP rewards

AMM Architecture

๐Ÿช™Token A
ร—
๐Ÿช™Token B
=
๐Ÿ“Šk (constant)x ร— y = k
๐Ÿ’ง
Add Liquidity
Deposit both tokens, receive LP shares
โ‡„
Swap
Trade along the curve, 0.5% fee
๐Ÿ”ฅ
Remove Liquidity
Burn LP, reclaim both tokens
0.5% Swap Fee Distribution
0.3% โ†’ Liquidity Providers0.1% โ†’ Wallet0.1% โ†’ Dividends

MoneyFund Airdrop

User

A batch token distribution tool for sending ERC-20 tokens to multiple recipients in a single transaction. Supports uniform amounts (same amount to everyone) and individual amounts (custom per-recipient). Includes a master contact list, custom lists, leaderboard tracking, and airdrop history. A 0.2% fee applies to each airdrop.

๐ŸŽ

Airdrop Tool

Batch ERC-20 distribution to multiple recipients in one transaction

Airdrop Flow

๐Ÿ‘คSender
approve(contract, total)
โ†“
๐Ÿช™ERC-20
then
โ†“
๐Ÿ‘คSender
airdropTokens(token, recipients[], amounts[])
โ†“
๐ŸŽAirdrop Contract
distributes
โ†“
๐Ÿ‘คRecipient 1
๐Ÿ‘คRecipient 2
๐Ÿ‘คRecipient 3
๐Ÿ‘คRecipient 4
๐Ÿ‘คRecipient 5
Uniform mode: same amount to allIndividual mode: custom per-recipient
0.2% fee: 0.1% wallet + 0.1% dividends

Fee Structure

How fees are distributed across the platform

Coin Launcher

0.2% Launch

Wallet: 0.1%Dividends: 0.1%
ETF Launcher

0.35% Transaction

Wallet: 0.125%Dividends: 0.125%
Dividend Launcher

0.5% Stake/Unstake/Claim

Wallet: 0.5%Dividends: None
DAO Launcher

0.5% Swap

Wallet: 0.25%Dividends: 0.25%
Storefront Launcher

0.4% Sale

Wallet: 0.2%Dividends: 0.2%
Ad Space Launcher

0.4% Platform

Wallet: 0.2%Dividends: 0.2%
Multiswap Launcher

0.1% Primary

Wallet: 0.05%Dividends: 0.05%
MoneyFund DEX

0.5% Swap

Wallet: 0.1%Dividends: 0.1%
MoneyFund Airdrop

0.2% Airdrop

Wallet: 0.1%Dividends: 0.1%

Wallet Security

Non-custodial vault architecture with client-side encryption

MoneyFund wallets are non-custodial by design. Private keys are encrypted and decrypted entirely in your browser โ€” the server never sees, stores, or transmits plaintext key material. The vault uses password-derived keys and authenticated encryption so that even a full database breach reveals nothing usable to an attacker.

Vault Architecture

๐Ÿ”‘Password
PBKDF2 ยท 600K iterations ยท SHA-256
โ†“
๐Ÿ”Vault KeyAES-GCM 256
encrypts / decrypts
โ†“
๐Ÿช™ETH Keysencrypted at rest
๐Ÿ“ฆArweave JWKencrypted at rest
Client-side only โ€” nothing leaves the browser unencrypted
๐Ÿงฎ

PBKDF2 Key Derivation

Your vault key is derived from your password using PBKDF2 with 600,000 iterations of SHA-256. The salt is a SHA-256 hash of your user ID, making each derived key unique even for identical passwords across accounts.

๐Ÿ”’

AES-GCM 256 Encryption

All private keys and Arweave JWKs are encrypted with AES-GCM using 256-bit keys and a random 96-bit IV per ciphertext. AES-GCM provides both confidentiality and authenticity โ€” any tampering is detected on decrypt.

๐Ÿงช

Key Verification

On sign-in and vault unlock, a stored encrypted check value is decrypted to verify the derived key is correct before any wallet data is touched. A wrong password fails cleanly without exposing ciphertext.

โฑ๏ธ

Session-Scoped Vault

The vault key is held in memory and cached in sessionStorage, which is automatically cleared when you close the tab or sign out. There is no persistent plaintext key material on disk.

๐ŸฆŠ

MetaMask Wallets

When you connect MetaMask, MoneyFund never receives or stores a private key. Transactions are signed by MetaMask directly. Only the public address is persisted.

๐Ÿ›ก๏ธ

Smart Contract Guards

All protocol contracts use OpenZeppelin's ReentrancyGuard to prevent re-entrancy attacks. Contract functions and event logs are publicly auditable on-chain, and all actions are transparent from deployment onward.

What the Server Stores vs. What It Knows

DataStored in DBReadable by Server
Wallet public addressYesYes
Encrypted private key + IVYesNo โ€” AES-GCM ciphertext
Vault keyNoNo โ€” exists only in browser memory
PasswordNoNo โ€” only Supabase Auth hash
Plaintext private keyNoNo โ€” never transmitted
Key check ciphertextYesNo โ€” verifiable only with correct key

Frequently Asked Questions

Common questions about MoneyFund contracts

Multiswap Gas Calculator

Compare bundled vs individual transaction gas costs

ETH โ†’ Multiple Tokens

Tokens โ†’ ETH

Tokens โ†’ Tokens

Token โ†’ Multiple Addresses

Tokens โ†’ Multiple Addresses

Tokens โ†’ Single Address

ETH โ†’ Multiple Addresses