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
Three-tier holding structure โ vault, nexus, and subsidiaries.
Grandparent Vault
Protects capital and converts subsidiary profits into Arweave, MONEY, and other high-upside assets. Top-level entity and ultimate beneficial owner.
Parent Nexus
Parent holding company and profit-distribution nexus. Receives all subsidiary revenue and channels it upstream to the vault. Holds 100% of every subsidiary.
Subsidiary
Premium bowhunting equipment.
Subsidiary
Decentralized permanent data storage solutions built on Arweave infrastructure.
Subsidiary
Semiconductor research company focused on next-generation chip design and fabrication processes.
Subsidiary
Internal tooling SaaS platform for operations across all subsidiaries.
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 โ giving tokens sustainable life through on-chain business.
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.
Weighted token baskets with Uniswap V2 swaps and Chainlink pricing
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.
ERC-721 staking pools with time-locked rewards and penalty mechanics
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.
On-chain governance with token-weighted voting and proposal execution
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.
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.
Decentralized NFT marketplace with custom payee splits
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).
Continuous ascending auctions with configurable refund and comment mechanics
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.
Batch swaps and distributions via Uniswap V2 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.
Custom AMM with constant-product pools and LP rewards
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.
Batch ERC-20 distribution to multiple recipients in one transaction
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
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.
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.
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.
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.
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.
When you connect MetaMask, MoneyFund never receives or stores a private key. Transactions are signed by MetaMask directly. Only the public address is persisted.
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.
| Data | Stored in DB | Readable by Server |
|---|---|---|
| Wallet public address | Yes | Yes |
| Encrypted private key + IV | Yes | No โ AES-GCM ciphertext |
| Vault key | No | No โ exists only in browser memory |
| Password | No | No โ only Supabase Auth hash |
| Plaintext private key | No | No โ never transmitted |
| Key check ciphertext | Yes | No โ verifiable only with correct key |
Common questions about MoneyFund contracts
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