Layer 1 Whitepaper · v6.1
Decoupled zkVM consensus for yield-sustained data permanence. Privacy-integrated through Ring Confidential Transactions.
Shane Cloonan · May 2026
Abstract
Current decentralized permanent storage networks rely on the macroeconomic assumption of indefinitely declining hardware costs (Kryder’s Law). As semiconductor scaling hits physical thermodynamic limits, these economic models trend toward insolvency. This paper proposes a novel Layer 1 architecture achieving mathematically guaranteed data permanence through an Inflation-Resilient Endowment. Version 6.1 introduces $MONEY, a privacy-integrated utility token that uses Ring Confidential Transactions (RingCT) and zero-knowledge proofs to decouple network utility from user identity, providing a truly untraceable layer for permanent data storage.
MoneyFund Network · Technical Illustration v6.2
Decoupled consensus separates expensive compute (Execution / Prover) from cheap, permanent verification (Storage / Verifier). A succinct zero-knowledge proof bridges the two layers, while gas fees from compute continuously refill the $MONEY endowment that pays storage operators in perpetuity.
Why the foundational assumption of legacy permanence is broken
The foundational flaw of legacy permanence models (e.g., Arweave) is the assumption of a continuous 30% annual decay in cost-per-gigabyte. Current storage mediums are bottlenecking at the laws of physics:
Magnetic Density (HDD)
Has reached the superparamagnetic limit — bits become thermally unstable below a critical grain size.
Silicon Density (SSD)
Faces quantum tunneling — electrons leak across the gate oxide as feature sizes approach atomic scale.
A mathematically sound permanence network for 2026 and beyond must assume hardware inflation (i) will outpace or match baseline technological deflation.
Yield-generating Protocol-Owned Liquidity replaces passive vaults
To survive a stagnant or inflating hardware market, the protocol abandons passive storage vaults in favor of a dynamic, yield-generating endowment. Let C₀ be the initial cost, i the annual inflation rate, and r the dynamic yield generated by the execution layer.
Total Upfront Endowment
E₀ = ∑t=1∞ C₀ ·(1+i)t(1+r)t
For the endowment to remain solvent forever, the protocol mathematically enforces r > i.
Closed-Form User Deposit
E₀ = C₀ ·(1 + i)(r − i)
Live simulator · feel the math from §2 in your hands
The formula above is easy to read and brutal in practice. Drag the sliders to set your assumptions about C₀ (storage cost), i (hardware inflation), and r (compute-fee yield). The cost per TB and total upload price update live, and the chart shows the full sensitivity curve so you can see exactly where the model becomes fragile.
Endowment / TB
$1,700
E₀ = C₀(1+i)/(r−i)
Total upload cost
$1,700
for 1.00 TB
vs Arweave
0.34×
cheaper · ref ≈ $5k/TB
Solvency
Safe
spread 3.0% · (r − i)
Scenarios
Sensitivity to (r − i)
log scale
Curve is the cost per TB across all yield spreads at your current C₀ and i. The dot is your current configuration. The dashed line is Arweave’s rough $5k/TB reference.
Notice the curve's shape. Below ~1% spread the endowment cost goes hyperbolic — small changes in macro assumptions produce huge changes in user-facing cost. This is the central fragility called out in §7 · Caveats.
Untraceable utility, confidential storage allocations
The MoneyFund Network is powered by $MONEY, a native privacy token designed to handle the “Privacy Dilemma” in permanent storage. While data is permanent, the identity of the storer must not be. $MONEY acts as the fuel for the execution layer and the principal for the endowment, integrated with untraceable privacy primitives.
Storage transactions are signed by a group of possible signers, making it mathematically impossible to distinguish the actual spender from decoy signers.
For every storage allocation, $MONEY is sent to a unique, one-time address. Prevents external observers from linking multiple storage requests to a single user or entity.
Pedersen Commitments hide the amount of $MONEY allocated to an endowment on-chain — yet storage nodes can still mathematically verify that the required E₀ was satisfied.
Off-chain zkVMs hide state-transition logic. Users update permanent records by submitting a succinct proof (π); the storage layer verifies validity without ever seeing inputs, balances, or identities.
Two strictly bifurcated node classes
The network architecture is strictly bifurcated into two independent node classes: Storage Nodes and Execution Nodes. Execution Nodes compete for $MONEY compute fees by processing heavy read-write operations and arbitrary business logic. A Permanence Tax from these fees is automatically routed into the $MONEY endowment, ensuring the physical survival of data is funded by its active utility velocity.
Execution Node
Storage Node
MoneyFund vs. legacy permanence networks
MoneyFund assumes hardware inflation and relies on native compute yield. By routing $MONEY gas into the endowment and restaking Protocol-Owned Liquidity, the network can price 1 TB of permanent storage closer to $1,500 – $2,000 — significantly lower than Arweave while eliminating the risk of insolvency inherent in models betting against the laws of thermodynamics.
| Metric | Arweave (Legacy) | MoneyFund |
|---|---|---|
| Hardware-cost assumption | 30%/yr decline (Kryder's Law) | Inflation ≥ 0% (post-Kryder) |
| Solvency model | Passive endowment, depletes if costs flat | Active yield endowment, r > i forever |
| Compute layer | None / external (AO) | Native zkVM, recursive SNARKs |
| Privacy | Pseudonymous wallets | RingCT + stealth + confidential amounts |
| Storage cost · 1 TB permanent | ~$3,500–$8,000+ | $1,500–$2,000 |
| Insolvency risk | High (bets against thermodynamics) | Mathematically eliminated |
Honest engineering review of where the v6.1 model is fragile
The architecture above is the version we want to build. This section is the version we have to defend in front of a hostile audit committee. Each item below identifies a real-world failure mode the v6.1 paper does not adequately address, ranked by severity. None are individually disqualifying. The combination of items 01–03, left unresolved, is.
We can require r > i in the protocol. We cannot produce r > i in the market.
Yield is a function of exogenous compute demand and $MONEY market price — both macro-driven and beyond protocol control. The endowment series E₀ = C₀(1+i)/(r−i) does not gracefully degrade when r < i; the denominator goes negative and the model breaks. Arweave's bet on hardware deflation has been replaced with a bet on perpetual compute-fee growth. That bet is plausibly more defensible — compute demand has been elastic and growing — but it remains a macro hypothesis, not a mathematical guarantee.
v6.2 Mitigation
Frame r > i as a credible economic hypothesis with stress-tested fallbacks (insurance fund, graceful-degradation tiers) rather than as a theorem.
Endowment principal, gas, fees, and POL are all denominated in $MONEY — a single demand shock cascades through every layer at once.
If compute demand softens, fee accrual falls, $MONEY price drops, the endowment loses USD value, storage operators receive less, confidence erodes, and the cycle compounds. Arweave isolates this by denominating its endowment in AR alone; here the storage and compute economies are fused. A correlated drawdown across all three (price, demand, yield) does not require any single failure — it only requires the same macro condition that hits crypto every cycle.
v6.2 Mitigation
Hold endowment POL as a basket (stablecoins + ETH + $MONEY) so a $MONEY drawdown does not directly threaten storage solvency.
A succinct proof verifies state-transition validity — not that the underlying bytes were actually stored.
A malicious prover can publish a valid SNARK over a commitment to data that never reaches the storage layer. Storage operators are then economically incentivized to not store the data and just collect endowment yield. Arweave addresses this with SPoRA (Succinct Proofs of Random Access); Filecoin uses Proof-of-Replication + Proof-of-Spacetime; Celestia uses DA sampling. v6.1 specifies none of these. Without an analogous mechanism, the entire storage layer is theater.
v6.2 Mitigation
Add a Proof-of-Replication / Proof-of-Spacetime layer with random-challenge audits and slashable stakes for non-responsive operators.
General-purpose zkVMs impose 10,000×–1,000,000× overhead vs. native execution. That is a steep premium to charge.
Recursive SNARKs over restricted arithmetic circuits (e.g., Nova/Hypernova) can plausibly hit the 1MB-increment throughput target, but arbitrary business logic on a general zkVM (RiscZero, SP1, Jolt) is well beyond current SOTA at that scale. The economic question for a user is: why pay 10,000× the AWS price when the alternative is a centralized prover with a hardware attestation? The honest answer is permanence + privacy — but that confines the addressable workload to a narrower set than the paper currently implies.
v6.2 Mitigation
Identify the specific compute workloads where permanence + privacy justify the premium, and benchmark proving time per workload class.
At t=0 there is no compute demand, so r ≈ 0, so E₀ → ∞. The first uploads cannot be priced under the model.
The closed-form deposit formula breaks at network genesis precisely when the network most needs to attract its first users. The protocol implicitly requires a subsidy phase — token emission, treasury reserves, or ICO proceeds — to seed the endowment until organic compute fees can sustain it. The transition curve from subsidized to self-funded has not been specified, and that curve is the single most fragile period in the network's life.
v6.2 Mitigation
Specify a subsidy schedule, target self-sufficiency milestone (e.g., r ≥ 5% measured over rolling 12 months), and explicit conditions for subsidy removal.
Combining Arweave's permanence with Monero's unlinkability is strictly additive in regulatory exposure, not neutral.
Arweave alone faces continuous pressure over CSAM, copyright, and sanctioned content. Monero alone has been delisted from Binance, Kraken EU, OKX, and most major Western exchanges. A network that is forever and untraceable presents storage operators with legal liability they cannot mitigate via takedown — and the privacy primitives prevent any user-level compliance affordance. This is not solvable with engineering; it is a posture decision.
v6.2 Mitigation
Explicitly choose a posture: (a) Tor-grade — expect no exchange listings, target privacy-maximalist users; or (b) hybrid — optional view-keys / compliance hooks that selectively de-anonymize on legal request, at the cost of some unlinkability.
Path Forward · v6.2 Targets
The combination of caveats 01, 02, and 03 is the project-killer. Resolving them is the minimum bar for a defensible v6.2 paper. The architecture itself remains sound — these are gaps in the economic and cryptographic specification, not in the underlying vision of decoupled consensus.
The MoneyFund Network
Whitepaper v6.1 · Architecture Illustration v6.2 · Shane Cloonan · May 2026
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 — 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 — all of which feed into the unified fee ecosystem.
Asset Layer
Creates tokens & ETFs
Distribution Layer
Staking pools & DAOs
Profit Layer
Revenue-generating contracts
Set up your account and wallets in a few minutes
Sign up with your email address. MoneyFund uses Supabase Auth — your credentials are hashed and stored securely, and session tokens refresh automatically.
Sign In →Set a vault password to encrypt your local key store. This password encrypts all private keys using AES-GCM before they touch storage. If you lose this password, your vault is unrecoverable — there are no resets.
Go to Wallets →Import an existing mnemonic (12 or 24 words) or generate a new one. Your private key is derived locally using BIP-39/BIP-44 and never leaves your browser unencrypted. Fund with ETH for gas fees.
Wallets →Generate a new RSA-4096 keypair or import an existing JWK file. This wallet is used for permanent storage on Arweave, AO compute operations, and PermaWrite. You can also connect ArConnect for browser-extension signing.
Wallets → Arweave →Deploy smart contracts from the Contracts page, upload files permanently with PermaWrite, browse the permaweb through the Gateway, or use the Multiswap for batch token operations.
Contracts →Once you hold MONEY tokens, stake them in the dividend pool to earn a proportional share of all platform fees. Your stake is represented as a transferable ERC-721 NFT.
MoneyFund is non-custodial — you are responsible for backing up your mnemonic phrases and Arweave JWK files. There is no password reset or key recovery. Store backups securely offline.
How MoneyFund compares to equities and shitcoins
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.
Shitcoins
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
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.
Every contract feeds revenue into the MONEY dividend pool
Coin Launches
0.1%
Optional fees
15%
ETFs
0.125%
DEX swaps
0.1%
DAOs
0.25%
Storefronts
0.2%
Ad Space
0.2%
Multiswaps
0.05%
Airdrops
0.1%
Three interconnected layers that power the MoneyFund ecosystem
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.
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.
The Profit Layer generates external cashflow via contracts like Multiswap, Storefront, and Auction factories — giving tokens sustainable life through on-chain business.
MONEY token supply, burns, staking mechanics, and fee math
Token Standard
ERC-20
Ethereum Mainnet
Total Supply
1,000,000,000
Fixed — no minting function
Burn Mechanism
ETF 0.1%
MONEY burned on each ETF transaction
Dividend Source
8 Contracts
All factories feed the MONEY pool
Staking Model
ERC-721 NFT
Stake receipt is a transferable NFT
Fee Split
50 / 50
MoneyFund Wallet + MONEY Dividends
The MONEY token has a fixed supply of 1 billion tokens with no minting function — the supply can only decrease through burns. Every ETF transaction burns 0.1% of the fee in MONEY, creating deflationary pressure proportional to platform usage. Revenue from all eight factory contracts is funneled into the MONEY dividend pool, where stakers earn a proportional share based on their staked amount relative to the total pool. Staking issues a transferable ERC-721 NFT, meaning staked positions can be traded on secondary markets like OpenSea while the underlying tokens remain locked.
How rewards, penalties, and payouts are calculated
your_staked / total_stakedIf you stake 1,000 MONEY and the total pool is 10,000 → your share is 10%
share × accumulated_rewardsIf the pool has accumulated 5 ETH in rewards and your share is 10% → you can claim 0.5 ETH
initialPenalty - (daysElapsed × dailyDecay)If initial penalty is 50% and daily decay is 1%, after 20 days → penalty = 50% - 20% = 30%
sale_price × 0.996 → shareholdersOn a 1 ETH sale, 0.004 ETH goes to MF fees, 0.996 ETH is split among shareholders
Base platform fees
Deflationary burn on every ETF trade
70% to creator receivers, 30% to MF
Separate from the 0.1% + 0.1% MF fee
Detailed breakdown of each factory contract
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.
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.
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.
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.
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 — 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.
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.
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).
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.
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.
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.
Non-custodial design, on-chain immutability, and zero-trust architecture
MoneyFund never holds, accesses, or transmits your private keys. All signing happens locally in the browser.
All factory contracts follow battle-tested patterns to prevent common attack vectors.
All network communication is encrypted and sessions are scoped with minimal privilege.
On-chain contracts are transparent by default — every function call and event is publicly auditable.
MoneyFund smart contracts have not yet undergone a formal third-party audit. The full Solidity source code (62,000+ lines) will be released for public audit once the MONEY token reaches a $1 million market cap.
In the meantime, all contract actions are transparent on-chain — every function call, event emission, and state change is publicly verifiable via Etherscan. The contracts use established patterns (OpenZeppelin ReentrancyGuard, Checks-Effects-Interactions) and have been internally reviewed.
Permanent storage, decentralized compute, and peer-to-peer networking on Arweave
Arweave is a permanent data storage network that pays miners to store data forever in a single upfront transaction. MoneyFund integrates a full Arweave stack — from low-level peer networking and bundled uploads to high-level smart contract interactions and a permanent file archival system. All integrations use direct REST APIs with zero SDK dependencies, keeping the bundle lean and giving full control over request routing, error handling, and failover logic.
Storage
Network
Compute
Wallet
Private storage with permanent Arweave archival. Files and text are uploaded to the Arweave blockchain where they persist forever — no hosting fees, no expiration, no takedowns.
Direct peer-to-peer access to the Arweave network. Requests route through discovered peer nodes — public gateways are only used as a last resort.
Integration with the decentralized ar.io gateway network for smart gateway selection, health monitoring, and ArNS name resolution.
Instant Arweave confirmations via ar.io's Turbo bundler service. Uploads are bundled into ANS-104 data items for near-instant finality instead of waiting for L1 block confirmations.
Browser extension wallet integration via ArConnect (Wander). Provides a unified interface for both JWK file wallets and ArConnect browser wallets.
Integration with AO, a hyper-parallel compute environment built on Arweave. Processes run as permanent on-chain programs with message-passing architecture.
Warp SmartWeave contract integration for reading contract state, browsing interactions, parsing Atomic Assets, and checking PST balances — all via direct REST API calls.
How the frontend, backend, Ethereum, and Arweave layers connect
MoneyFund is a multi-chain application spanning two blockchains (Ethereum and Arweave) with a Supabase backend for authentication, metadata storage, and serverless gateway proxying. The frontend is a single Next.js 16 application that communicates directly with both chains from the browser — private keys never leave the client. The architecture is designed for zero SDK dependencies on the Arweave side, using direct HTTP and GraphQL calls for maximum control and minimal bundle size.
Client Signing
All TX signing happens in the browser. Keys are AES-GCM encrypted in local vault.
Edge Proxy
Supabase Edge Functions route Arweave requests through the peer pool.
Direct Peers
Arweave data fetched from discovered peer nodes. Public gateways as fallback only.
Multi-RPC
Ethereum calls load-balanced across Infura, Ankr, and Cloudflare RPCs.
Next.js 16 (App Router)
Server and client components with file-based routing, server actions, and Turbopack for fast builds.
React 19
Client-side interactivity with hooks, Suspense boundaries, and dynamic imports for code-split Arweave modules.
Tailwind CSS v4
Utility-first styling with custom design tokens (brand-*, gold), dark theme, and responsive breakpoints.
Chart.js
Interactive fee distribution charts, gas comparison visualizations, and data-driven dashboards.
Supabase (Auth + Postgres)
Email/password authentication with JWT sessions, row-level security, and Postgres for upload records, bookmarks, and PermaWrite metadata.
Supabase Edge Functions
Serverless Arweave gateway proxy that handles peer discovery, request routing, caching, and cost estimation without exposing infrastructure.
Encrypted Vault
AES-GCM encrypted local storage for private keys. Ethereum keys and Arweave JWKs are encrypted with a user-derived key and never leave the browser unencrypted.
ethers.js v6
Ethereum wallet management, contract interaction, transaction signing, and ENS resolution via Infura and Ankr RPC endpoints.
8 Factory Contracts
Coin Launcher, ETF Launcher, Dividend Launcher, DAO Launcher, Multisig Launcher, Storefront, Ad Space, and Multiswap — each deploying customizable child contracts.
MoneyFund DEX
Custom constant-product AMM with its own liquidity pools, separate from Uniswap routing used by Multiswap.
Chainlink Price Feeds
ETH/USD oracle integration for ETF share pricing and USD-denominated fee calculations.
ArweaveGateway (custom)
Full Arweave HTTP client with peer pool management, block browsing, GraphQL queries, transaction submission, and content rendering — zero SDK dependencies.
Turbo Bundler (ar.io)
ANS-104 data item creation, deep hash signing, and instant bundled uploads via ArDrive's Turbo service.
AO Compute Layer
Hyper-parallel process messaging via Compute Units (read) and Messenger Units (write) with token balance management.
Warp SmartWeave
Contract state reading via DRE nodes, Atomic Asset parsing, PST balance queries, and Vouch Protocol integration.
A snapshot of the platform's codebase, infrastructure, and on-chain footprint
27,500+
Lines of Code
TypeScript, SQL, CSS
85
Source Files
Components, libraries, scripts
23
App Routes
Next.js pages
18
Library Modules
Shared logic layer
8
Factory Contracts
On-chain launchers
16
Smart Contracts
Deployed on Ethereum + Solana
8
Supabase Tables
Database schema
3
Blockchains
Ethereum, Arweave, Solana
Codebase Breakdown
Deployed Contracts
Factory Launchers
Fund, Dividend, Coin, DAO, Multisig, Storefront, Ad-space, Multiswap
Standalone Contracts
DEX, Airdropper, MONEY Dividends, MONEY DAO, MONEY Multiswap
Token Contracts
MONEY (ERC-20)
Cross-chain
Arweave wallet, Solana Wormhole
Supabase Tables (8)
user_wallets
user_preferences
tx_history
arweave_uploads
arweave_bookmarks
permawrite_items
permawrite_repos
permawrite_repo_commits
How fees are distributed across the platform
| Contract | Fee Type | MF Wallet | MONEY Dividends | Notes |
|---|---|---|---|---|
| Coin Launcher | 0.2% Launch | 0.1% | 0.1% | Optional: Up to 3% tx fee; MF takes 30% (15% each) |
| ETF Launcher | 0.35% Transaction | 0.125% | 0.125% | 0.1% MONEY burned; Optional: Custom fee to creator |
| Dividend Launcher | 0.5% Stake/Unstake/Claim | 0.5% | None | Early unstake penalties to pool creator |
| DAO Launcher | 0.5% Swap | 0.25% | 0.25% | - |
| Storefront Launcher | 0.4% Sale | 0.2% | 0.2% | 99.6% (9960 bps) to custom shareholders |
| Ad Space Launcher | 0.4% Platform | 0.2% | 0.2% | $1 USD comment fee to highest bidder |
| Multiswap Launcher | 0.1% Primary | 0.05% | 0.05% | Optional: Up to 3% to custom receivers |
| MoneyFund DEX | 0.5% Swap | 0.1% | 0.1% | 0.3% to liquidity providers |
| MoneyFund Airdrop | 0.2% Airdrop | 0.1% | 0.1% | Per batch distribution |
0.2% Launch
0.35% Transaction
0.5% Stake/Unstake/Claim
0.5% Swap
0.4% Sale
0.4% Platform
0.1% Primary
0.5% Swap
0.2% Airdrop
Common questions about MoneyFund contracts
Compare bundled vs individual transaction gas costs
ETH → Multiple Tokens
Tokens → ETH
Tokens → Tokens
Token → Multiple Addresses
Tokens → Multiple Addresses
Tokens → Single Address
ETH → Multiple Addresses
Definitions of key terms used throughout the documentation
ERC-20The standard interface for fungible tokens on Ethereum. All tokens launched via Coin Launcher and ETFs follow this standard.
ERC-721The standard for non-fungible tokens (NFTs). MoneyFund uses ERC-721 for dividend staking receipts and storefront listings.
AMMAutomated Market Maker — a decentralized exchange mechanism that uses liquidity pools and a mathematical formula (constant product: x × y = k) instead of an order book.
LPLiquidity Provider — a user who deposits tokens into an AMM pool to earn a share of trading fees.
GasThe unit measuring computational effort on Ethereum. Each operation costs a specific amount of gas, paid in ETH. Multiswap bundles operations to reduce total gas.
Wei / GweiUnits of ETH. 1 ETH = 10¹⁸ wei = 10⁹ gwei. Gas prices are typically quoted in gwei.
Basis Points (bps)A unit equal to 1/100th of a percent. 10,000 bps = 100%. MoneyFund uses bps for fee shares and allocation weights.
ReentrancyGuardA smart contract pattern that prevents a function from being called again before it finishes executing. Prevents the classic reentrancy attack vector.
Factory ContractA smart contract that deploys other smart contracts. Each MoneyFund launcher is a factory that creates customized child contracts.
ArweaveA permanent data storage blockchain. Unlike IPFS (content-addressed but not guaranteed persistent), Arweave pays miners to store data forever via a one-time endowment fee.
PermawebThe permanent web built on Arweave. Once data is uploaded, it is accessible forever via its transaction ID through any Arweave gateway.
JWKJSON Web Key — the RSA keypair format used by Arweave wallets. Contains the public key (n) and private key components (d, p, q, dp, dq, qi).
WinstonThe smallest unit of AR (Arweave's native token). 1 AR = 10¹² winston. Named after Winston Churchill.
ANS-104Arweave Network Standard for bundled data items. Allows multiple data items to be bundled into a single L1 transaction for efficiency.
ArNSArweave Name System — maps human-readable names to Arweave transaction IDs, similar to DNS for the permaweb.
Turboar.io's bundling service for instant Arweave uploads. Data items are signed locally and bundled by the service, providing near-instant confirmation.
AOArweave Operating System — a hyper-parallel compute environment where processes run as permanent on-chain programs with message-passing architecture.
CU / MUCompute Unit and Messenger Unit — the two core AO services. CU executes read-only evaluations (dryrun), MU handles signed message delivery.
SmartWeaveA smart contract protocol on Arweave where contract logic is stored on-chain and state is lazily evaluated by reading interaction transactions.
DREDistributed Resolution Environment — Warp's network of nodes that pre-compute and cache SmartWeave contract states for fast reads.
PSTProfit Sharing Token — an Arweave SmartWeave token standard where holders earn a share of usage fees paid to the associated application.
Atomic AssetAn Arweave NFT standard where the content data and the SmartWeave contract state live in a single transaction — the asset is its own contract.
SupabaseAn open-source Firebase alternative providing Postgres database, authentication, edge functions, and row-level security. MoneyFund uses it for user accounts and metadata.
VaultMoneyFund's encrypted local key store. Private keys are AES-GCM encrypted with a user password and stored in the browser. Non-custodial — no server backup.
MFTL TokenMoneyFund Tri-Layer Token — any ERC-20 token deployed through the MoneyFund launchpad that connects to the tri-layer ecosystem.
PermaWriteMoneyFund's permanent file storage system built on Arweave. Files are categorized, tagged, and stored forever with optional private/public visibility.
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