The Programmable Payoff Factory
On-Chain Issued Structured Payoffs
Any Payoff
Unlimited Structures
70-80%
Cost Reduction
Minutes
Issuance Time
Day One
DeFi Composable
The Opportunity
The market is relentlessly chasing yield — yet consistently hitting structural limits.
Over $100B of on-chain capital seeks predictable, TradFi-linked returns. But the tools available today are blunt:
The opportunity isn't limited to on-chain capital. We use the best of blockchain technology to deliver TradFi-grade payoffs — structured products that settle transparently and are fully composable on-chain.
The opportunity is not tokenising assets.
It is tokenising payoff engineering.
How It Works
Your Payoff, Engineered & Minted in Four Steps
Define Objectives
Specify your risk/return profile — capital protection level, upside participation, maturity, and notional size.
Payoff Factory
The engine decomposes your target payoff into on-chain option primitives and optimizes strike selection.
Tokenize
The structured product is minted as an ERC-20 token with embedded payoff logic in a single atomic transaction.
Deploy On-Chain
Your tokenized payoff is immediately composable — use it as collateral, trade it on AMMs, or deposit into vaults.
Define Objectives
Specify your risk/return profile — capital protection level, upside participation, maturity, and notional size.
Payoff Factory
The engine decomposes your target payoff into on-chain option primitives and optimizes strike selection.
Tokenize
The structured product is minted as an ERC-20 token with embedded payoff logic in a single atomic transaction.
Deploy On-Chain
Your tokenized payoff is immediately composable — use it as collateral, trade it on AMMs, or deposit into vaults.
Core Capabilities
Infrastructure Built for DeFi
Any Payoff, Any Underlying
Unlimited structures
Protection floors, leveraged upside, buffered downside, yield overlays — any payoff profile on any listed underlying, tokenized as a single ERC-20. Modular blocks, not bank templates.
Atomic Settlement
25-65 bps all-in
Issuance in minutes, not weeks. One transaction handles SPV creation, collateral lockup, and token minting. 25-65 bps all-in — 70-80% cheaper than traditional structured notes.
Recursive Composability
Day-one DeFi native
Use tokenized products as collateral in Morpho, Aave, or Pendle from day one. Deposit into Superform vaults, split yield on Pendle, or leverage on lending markets. Capital efficiency, built in.
Multi-Rail Distribution
DeFi + TradFi + Institutional
One product, every channel. DeFi vaults via ERC-4626, institutional access through RFQ and OTC desks, TradFi reach via ISIN-wrapped securities on regulated exchanges. Meet capital where it lives.
Initial Products
Modular Payoff Blocks, Assembled On-Chain
Vaults
One-click diversified exposure. Each vault holds a dynamically rebalanced mix of Principal Protected, Buffered, and Leveraged products — parameters adjust automatically.
Principal Protected
85-95% allocated to zero-coupon bonds locks in the floor. The remainder buys deep ITM calls for equity exposure. A sold OTM call funds the protection.
Buffered
A put spread absorbs the first 10-30% of losses. A sold OTM call finances the buffer. No loss until the underlying falls past the buffer threshold.
Leveraged
3x amplified upside above ATM with 1x downside exposure below. No floor, no margin calls, no liquidation risk — the entire risk profile is crystallized at mint.
Prediction Markets
Binary & range-bound event payoffs
Outcome-Based Payoffs
Custom trigger conditions, any data feed
Architecture
From Pricing~~~Settlement
Three integrated layers transform listed derivatives into tokenized structured products — with real-time pricing, regulated execution, and on-chain lifecycle management. No black boxes. No custody shortcuts.
Risk Pricing Engine
Listed Instruments & Options Strategies
Institutional-grade pricing engine connected to live listed markets — equities, indices, rates, and commodities. Options chains feed directly into the structuring layer via real-time RFQ systems. Curated product vaults with automated rebalancing for standardized strategies, plus a Sandbox environment for bespoke payoff design. Accessible on any listed underlying, across any asset class.
Payoff Replication & Execution
Pre-Mint RFQ & Regulated Settlement
Every structured product is replicated from listed derivatives before minting. Pre-minting RFQ ensures best execution across a network of regulated market makers. Underlying assets are ring-fenced in bankruptcy-remote SPV compartments — providing real asset segregation, not just smart contract logic.
Issuance, Burning & NAV Reconciliation
Real-Time Lifecycle & Cross-Chain Composability
On-chain issuance and burning with real-time NAV reconciliation — every token reflects live underlying value, not a stale mark. Cross-chain interoperability via Chainlink CCIP and LayerZero means a MoneyBrick minted on Ethereum is recognized on Arbitrum, Base, or any connected chain. Secondary markets can exist, but the instruments are de facto liquid at NAV — unlocking composability as DeFi collateral without the illiquidity discount.
Distribution
Confidential — For Investors OnlyMulti-Channel Go-to-Market
One product, three capital pools. DeFi-native vaults for crypto allocators, open secondary markets for retail, and regulated wrappers with RFQ execution for institutional mandates — all settling into the same on-chain instrument.
Vault Aggregators & Yield Protocols
- Issued as ERC-4626 vaults — the standard for every major DeFi aggregator
- Listed by Superform, Yearn & Morpho curators alongside existing vault families
- Pendle integration splits yield into Principal and Yield Tokens
- Cross-chain routing via LayerZero from Arbitrum, Base & BNB Chain
ERC-4626
Vault standard
NAV
Mint/burn liquidity
OFT
Cross-chain native
Secondary Markets & Open Access
- Trades freely on secondary markets from the moment of minting
- Access via DEX pools, investment apps & brokerages — no minimums or accreditation
- AMM liquidity seeded at launch with NAV-aware pricing floors
- ISIN-wrapped variants listed on regulated exchanges & visible on Bloomberg
Open
No minimums
ISIN
Brokerage access
24/7
Always tradeable
RFQ, Prime Brokerage & Regulated Wrappers
- Bilateral RFQ systems & OTC desks — the same channel moving $730T in structured products
- Deribit Block RFQ for options; FalconX & Coinbase Prime for placement
- Professional market makers (Wintermute, GSR, Keyrock) provide two-sided liquidity
- Regulated SPVs listed on SIX SDX & Vienna Stock Exchange, cleared via Euroclear
RFQ
Firm dealer quotes
T+0
Atomic settlement
SPV
Regulated wrapper
Market Opportunity
The Numbers Speak
$500B+
On-Chain Capital
$7.5T
Structured Products Outstanding
$50B+
Defined Outcome ETF AUM
70-80%
Cost Reduction
25-65
bps vs 150-300 bps TradFi
<50ms
Settlement Time
Goldman Sachs acquired Innovator Capital Management for ~$2B in 2024, confirming defined-outcome products as essential financial infrastructure. The on-chain equivalent of this market does not yet exist — MoneyBricks is building it.
Roadmap
Confidential — For Investors OnlyPath to $10B+
Testnet & Audits
- Smart contract deployment on Sepolia testnet•
- Security audits with Trail of Bits / OpenZeppelin•
- Vault curator partnerships (Morpho, Gauntlet)•
- Seed round close ($6-7M)•
Mainnet Launch
- •Ethereum L1 issuance + Arbitrum L2 trading
- •First vault deployment: capital-protected ETH notes
- •Target $200-300M AUM at launch
- •Superform & Pendle integration for DeFi distribution
Scale & Expand
- Target $1-2B AUM•
- Revenue: $4.5-9M (25-45 bps on AUM)•
- Multi-asset expansion: BTC, SOL, equity indices•
- ISIN wrapper pilot with Chartered Investment•
Infrastructure Layer
- •Vision: $10-15B AUM
- •Full brokerage distribution via ISIN wrappers
- •Become the settlement layer for tokenized structured products
- •Cross-chain composability via Chainlink CCIP
Team
Confidential — For Investors OnlyFounding Team
Florent Jouanneau
Chief Executive Officer
Laser Digital / Nomura, Bank of America, White Star Capital, EDHEC
Partner at Laser Digital, Nomura’s digital asset subsidiary, leading structuring and institutional product design. Previously at Bank of America in derivatives and White Star Capital in venture.
Pierre Emmanuel Pomes
Chief Product & Technology Officer
Hidden Road Partners (acq. by Ripple)
Built institutional prime brokerage infrastructure at Hidden Road Partners, subsequently acquired by Ripple. End-to-end experience in trading platforms and scaling crypto-native businesses.
Andrea Vianelli
Head of Legal & Operations
Laser Digital / Nomura, Sygnum Bank
COO of Asset Management at Laser Digital, Nomura. Previously at Sygnum Bank, the first regulated digital asset bank in Switzerland. Expert in tokenization frameworks and regulatory compliance.
Ecosystem
Integrations & Partners
Join the Infrastructure Layer for the Next $10 Trillion in Tokenized Assets Payoffs
MoneyBricks is building the settlement layer for on-chain structured products — modular, composable, and institutional-grade.
Raising a $6-7M seed round to bring structured product infrastructure on-chain. Testnet Q1 2026. Mainnet Q2 2026.