Money On Chain

What Money On Chain does

Money On Chain is a decentralized finance protocol operating on the RSK (Rootstock) Bitcoin sidechain, launched in 2019 and operated by MOC Investment Corp., a corporation domiciled in the British Virgin Islands with operating presence in Montevideo, Uruguay. Its core product is the Dollar On Chain (DOC), a 1:1 USD-pegged stablecoin fully collateralized by Bitcoin, distinguished by a non-liquidation architecture in which the BPRO token absorbs Bitcoin price volatility instead of triggering forced liquidations. The MOC token serves as the governance and fee-discount utility token for a DAO-style Voting Machine that, since 2022, controls the protocol's smart contracts. The protocol also operates OMOC, a community-run decentralized oracle network providing price feeds, including newly added USD/ARS and USD/COP pairs.

Revenue is generated exclusively through transaction fees on DOC and BPRO minting/redeeming (0.20% when paid in MOC, 0.25% when paid in rBTC); token transfers between wallets are free. Distribution is fully self-serve via web dApps (dapp.moneyonchain.com and manage.moneyonchain.com) and supports a wide range of wallets including MetaMask, Rabby, Ledger, Trezor, and Liquality. The go-to-market is community-led and product-led: no sales team, no KYC, and growth comes from governance participation, liquidity mining rewards (14,000 MOC/day distributed to BPRO holders), and organic engagement across English and Spanish-language forums, Telegram, Discord, YouTube, and X. Services are unavailable to users in jurisdictions where the tokens are deemed securities, including the US, China, and several South Asian and Middle Eastern markets.

Money On Chain has a small operating team (11-50 employees), no disclosed institutional funding beyond a 2020 IOVLabs-aligned event, and no public revenue figures. It owns a related sister protocol (RIF On Chain) and operates in the niche Bitcoin-DeFi segment rather than competing head-on with Ethereum-based stablecoins, positioning itself on censorship resistance, Bitcoin-native collateral, and self-custody rather than yield maximization.

Name

Money On Chain

Legal name

MOC INVESTMENT CORP.

Website

https://moneyonchain.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

Money On Chain is a DeFi protocol on the RSK Bitcoin sidechain offering DOC, a Bitcoin-collateralized USD stablecoin with a non-liquidation design, alongside the BPRO yield token and the MOC governance token, serving crypto-native Bitcoin holders globally through self-custodial wallets.

Ownership category

akta.pro rank

Headquarters

HQ city

Montevideo

HQ country

Uruguay

HQ region

Latin America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Protocol Transaction Fees: Fees charged for minting and redeeming DOC and BPRO tokens. Two fee structures: 0.20% when paid with MOC tokens, 0.25% when paid with rBTC. Token transfers are free once issued - no fee for moving tokens between wallets.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Money On Chain is a decentralized finance protocol that issues a Bitcoin-collateralized USD-pegged stablecoin (DOC), a Bitcoin-linked yield token (BPRO), and a governance token (MOC) via smart contracts on the RSK network. Users mint and redeem DOC and BPRO directly through a non-custodial web dApp, paying small transaction fees (0.20% in MOC or 0.25% in rBTC), while protocol decisions are executed through an on-chain Voting Machine governed by MOC holders.

Product overview

Money On Chain is a DeFi protocol operating on the RSK (Rootstock) Bitcoin sidechain, launched in 2019. Its ecosystem is built around three core tokens: DOC (Dollar On Chain), a 1:1 USD-pegged stablecoin backed by Bitcoin; BPRO, a token offering Bitcoin holders passive income and free leverage; and MOC, the governance token enabling DAO participation. The protocol also supports a Liquidity Mining program, a decentralized oracle network (OMOC), and staking mechanisms. A related sister protocol, RIF On Chain, provides similar stablecoin functionality for the RIF token. Users interact with the protocol via the main dApp, MOC Manager, or MOC Tools interfaces, connecting through wallets such as MetaMask, Rabby, Ledger, or Trezor on the RSK network.

Differentiator

Problem solved

Functional benefit

Products and services

• Dollar On Chain (DOC) A 1:1 USD-pegged stablecoin fully backed by Bitcoin (rBTC) and minted on the RSK network. Users mint and redeem DOC at par without providing their own collateral (BPRO holders supply the backing), and the protocol is designed to avoid liquidations even during sharp Bitcoin price crashes via the BPRO risk-sharing mechanism. It is offered to self-custodial crypto users who want dollar stability without banks, bonds, or fiat reserves.
• BPro (BPRO) A token for Bitcoin holders that supplies collateral to support DOC, absorbs Bitcoin volatility, and returns interest in rBTC along with MOC liquidity-mining incentives. It is offered to self-directed BTC holders who want yield and free leverage on Bitcoin without complex DeFi interactions or centralized lenders.
• MoC Token (MOC) The governance token of the Money On Chain ecosystem, with a fixed maximum supply of 210,000,000. Holders can vote on protocol decisions through the on-chain Voting Machine, pay protocol fees at a discounted rate (0.20% versus 0.25% in rBTC), and stake to earn rewards subject to a 30-day unstaking queue.
• Money On Chain dApp The primary web decentralized application for interacting with the Money On Chain protocol. Users connect compatible wallets (MetaMask, Rabby, Ledger, Trezor, Liquality, Nifty, Beexo, Defiant) to mint and redeem DOC and BPRO, stake MOC, claim liquidity mining rewards, and vote on governance proposals.
• MOC Manager Unified management interface for MOC token holders that combines staking, governance voting, vesting management, and withdrawal tracking in a single application.
• RIF On Chain (RoC) Sister protocol to Money On Chain that issues a USD-pegged stablecoin (USDRIF) collateralized by the RIF token, with its own governance token and decentralized oracle services, operating on the RSK network through a separate dApp.

Quantifiable outcome

• DOC maintains 1:1 USD parity through BPRO volatility absorption
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature5 records

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• MakerDAO: Decentralized stablecoin protocol (DAI) backed by crypto collateral with a governance token. Maker is the canonical DeFi stablecoin with the same core thesis as Money On Chain — algorithmic issuance and redemption of a USD-pegged asset via overcollateralized crypto.
• Liquity: Liquity issues LUSD, a USD-pegged stablecoin backed by ETH collateral, and uses a stability pool (LQTY holders absorb risk) in place of liquidation-based design — directly comparable to Money On Chain's BPRO/non-liquidation mechanic.
• Reflexer Finance: Issues RAI, a non-pegged ETH-backed stablecoin whose stability depends on RAI holders absorbing ETH volatility. Functionally the closest design analogue to Money On Chain's BPRO/DOC architecture and risk-sharing model.
• Reserve: Decentralized multi-collateral stablecoin system with an RSR governance/backstop token that absorbs volatility for RSV holders — a direct structural parallel to the MOC/BPRO/DOC three-token model.
• Sovryn: Sovryn is the leading DeFi protocol on RSK (same Bitcoin sidechain as Money On Chain). It already integrates BPRO and shares the addressable user base of BTC-native DeFi users, making it the most directly comparable ecosystem peer.

Emerging players

• Alchemix: DeFi protocol that issues self-repaying loans and a USD-pegged token (alUSD) using yield-bearing collateral without forced liquidation. Shares Money On Chain's design ethos of avoiding liquidation cascades in collateralized stablecoins.
• Badger DAO: Bitcoin-focused DeFi protocol building yield products and bridges around BTC collateral. Operates in the same Bitcoin DeFi niche as Money On Chain and targets a similar BTC-holder customer base.
• ALEX Lab: DeFi infrastructure on Bitcoin via Stacks, offering launchpad, AMM, and tokenized BTC products. Competes with Money On Chain for the Bitcoin-native DeFi user base from an adjacent L2 chain.

Others

• Curve Finance: Dominant stablecoin-focused DEX providing deep liquidity pools critical for stablecoin utility. Curve listings and pool depth materially affect whether stablecoins like DOC can be traded at par — the ambient liquidity infrastructure for Money On Chain's DOC.

Broad incumbents

• Tether (USDT): Largest USD stablecoin issuer by market cap. Not a direct protocol competitor, but represents the incumbent liquidity and adoption benchmark any crypto-backed stablecoin like DOC must measure against in the broader stablecoin category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/moneyonchainok
• GitHubgithub.com/money-on-chain
• YouTubeyoutube.com/@moneyonchain

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Money On Chain