The Problem
Creators are becoming measurable commercial channels, yet they still operate across disconnected systems.
Existing financial products don't close the gap: traditional cards don't understand creator performance, crypto cards are built for crypto-native users, and loyalty programs don't reward verified content performance.
Pre-seed deckWhy Now
Creator marketing, creator payments and creator financial services are still separate industries. Monyo connects them.
Pre-seed deckThe Solution
Monyo gives creators one financial and commercial identity across the complete workflow.
Pre-seed deckHow the Card Works
The merchant never needs to accept crypto. The creator spends in fiat; eligible rewards and selected payouts may use stablecoin infrastructure.
A creator purchases a $100 beauty product and completes an eligible brand campaign. The platform verifies content published, required disclosure, minimum views, engagement quality, deadline and brand approval.
| Base card cashback | $5 |
| Campaign reward | $25 |
| Performance bonus | $20 |
| Total eligible value | $50 |
Pre-seed deckWhy Stablecoin Rails
Brand budgets are locked up front and released automatically when the Attribution Engine verifies the campaign.
Creators work globally; correspondent banking doesn't. Stablecoins settle anywhere, 24/7, in minutes.
Per-conversion bonuses are cents at a time — uneconomical on card and ACH rails, viable at sub-cent onchain fees.
Adoption, 2026: Meta pays creators in USDC via Stripe, with global expansion planned · Visa stablecoin settlement pilots at a ~$7B annualized run rate · Deel launched a contractor stablecoin wallet. (CoinDesk · Visa · Deel)
Product rule: USDC (1:1 dollar-backed, monthly reserve attestations) is the stable-value reward and payout asset; Base is the planned settlement and utility infrastructure. Not every card transaction settles on Base, and neither Base nor Circle is a confirmed Monyo partner at this stage.
Pre-seed deckProduct Experience
Balances are always shown separately and never merged into a single total. Pending campaign earnings: $620.
Pre-seed deckProduct Status & Launch
Status reflects documented milestones only. The complete system is not yet fully operational in production.
Pre-seed deckMarket Opportunity
The creator economy and the stablecoin market are overlapping but different markets, and are deliberately not added together here.
Pre-seed deckInitial Customer Segments
Pre-seed deckBusiness Model
Monthly campaign software subscription.
Card economics are modelled at a conservative net company yield of 0.6–0.8% of card purchase volume, subject to final issuer, network and program-manager economics. The full interchange rate is not Monyo revenue. Creator-facing fees stay minimal — the main customer is the brand.
Pre-seed deckGo-to-Market Strategy
Target: 30,000–50,000 preregistrations · 10,000–15,000 verified creators · 2,000–5,000 closed-beta creators · 500 Founding Creator Pass members
Target: 100 design-partner brands · 30–50 paying brands at launch · 300 paying brands within 12 months
Pre-seed deckCompetitive Landscape
| Capability | Creator platforms | Creator fintech | Crypto cards | Monyo |
|---|---|---|---|---|
| Verified creator identity | Partial | Partial | No | Yes |
| AI campaign matching | Yes | No | No | Yes |
| Attribution | Yes | No | No | Yes |
| Performance rewards | Partial | No | No | Yes |
| Fiat spending card | No | Partial | Yes | Yes |
| USD cashback | No | Partial | Partial | Yes |
| Optional USDC rewards | No | No | Yes | Yes |
| Stablecoin payouts | No | Partial | Yes | Planned |
| Programmable performance escrow | No | No | No | Planned |
| Brand marketplace | Yes | No | No | Yes |
| Creator financial profile | No | Partial | No | Yes |
CreatorIQ, Aspire, Grin, Modash, ShopMy, Impact, Later Influence — strong on campaign management and discovery; no integrated creator card or financial identity.
Karat, Creative Juice, Lumanu, Catch — financial tools and payouts; no integrated performance marketplace or campaign verification.
Coinbase Card, Crypto.com, RedotPay, Rain- and Baanx-powered programs — built for crypto holders, not creator commerce.
Pre-seed deckCompliance & Infrastructure Strategy
Monyo does not intend to become a bank, card issuer, custodian or stablecoin issuer at launch.
The GENIUS Act establishes the U.S. framework for payment-stablecoin issuers, including reserve, supervision and financial-crime requirements. Monyo intends to use existing regulated infrastructure rather than issue a stablecoin itself. (U.S. Department of the Treasury)
Pre-seed deckProduct Roadmap
Future — MONYO utility. Subject to legal, economic and product review, Monyo may introduce an onchain reward utility integrated with the card, Creator Pass and marketplace — potentially covering creator status tiers, campaign access, partner privileges and marketplace rewards. This is exploratory only: there is no coin launch date, token valuation, presale, supply, exchange listing or investor allocation.
Pre-seed deckTraction & Validation
Statuses are reported separately by design. Brands in conversation are not paying brands, and preliminary discussions are not signed partnerships. Only agreements with written LOIs or contracts are described as design or commercial partners.
Pre-seed deckThree-Year Financial Projection
| Revenue stream | FY2027 | FY2028 | FY2029 |
|---|---|---|---|
| Campaign fees | $1.80M | $9.00M | $28.00M |
| Brand SaaS | $0.90M | $7.50M | $19.50M |
| Card and rewards revenue | $0.65M | $4.50M | $16.80M |
| Marketplace commissions | $0.35M | $2.50M | $8.00M |
| Creator Premium | $0.30M | $2.00M | $5.00M |
| Stablecoin and payout revenue | $0.10M | $1.00M | $2.50M |
| Total revenue | $4.10M | $26.50M | $79.80M |
| Gross margin | 65–70% | 72–75% | 76–80% |
| EBITDA | –$2.0 to –$2.5M | $3–5M | $18–22M |
Management projections — not current performance. Based on assumed creator acquisition, campaign volume, card activity, final partner economics and regulatory approval. Actual results may differ materially.
Pre-seed deckUnit Economics
Total reward = card reward + brand campaign reimbursement + verified-content reward + performance bonus
Funded by a combination of brand campaign budgets, affiliate commissions, merchant-funded offers, card economics, partner promotions and a limited Monyo acquisition-offer budget.
Rewards are not financed entirely from interchange. Interchange alone cannot sustainably fund reward levels of this kind.
Pre-seed deckFunding Ask
| Use of funds | % | Amount |
|---|---|---|
| Product, AI and marketplace | 27% | $270,000 |
| Card and wallet integration | 18% | $180,000 |
| Engineering and security | 17% | $170,000 |
| Creator acquisition and launch | 15% | $150,000 |
| Legal, compliance and partner onboarding | 13% | $130,000 |
| Brand acquisition and partnerships | 6% | $60,000 |
| Infrastructure and operations | 4% | $40,000 |
| Total | 100% | $1,000,000 |
Legal, compliance and partner-integration funding is deliberately weighted because card issuance, stablecoin payouts and programmable escrow introduce additional requirements.
Pre-seed deckTeam
Consumer · Creator growth · Product
Blockchain · Payments · Engineering
AI · Fintech infrastructure · Engineering
Finance · Venture capital · Fundraising
U.S. fintech · Banking · Partnerships
We have built consumer scale, worked with creators and developed fintech products. Now we are connecting all three.
Pre-seed deckClosing Vision
LinkedIn built professional identity. Shopify built merchant infrastructure.
Monyo is building the identity, commerce and financial infrastructure for creators.