MoneyOnChain
MOCBitcoin-collateralized decentralized stablecoin protocol
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About MoneyOnChain
MoneyOnChain is a Bitcoin-collateralised stablecoin protocol deployed on Rootstock in 2019. It uses rBTC as sole collateral to issue three assets: DOC tracking the US dollar, BPRO absorbing volatility, and MOC for governance. The mechanism is risk tranching rather than a liquidation line: DOC carries no margin call, and BPRO takes the leveraged loss when BTC falls, moving liquidation pressure from the stablecoin side to the volatility-absorbing side. Prices come from OMoC, the protocol's own decentralised oracle network, and parameter changes go through MOC votes. For BTC holders it offers dollar or leveraged exposure without leaving the Bitcoin sidechain.
DefiLlama and a third-party risk page recorded about $20.45 million of TVL in September 2026, and five audits are on record since the 2019 deployment. Minting and redemption of DOC and BPRO settle on-chain at protocol fees, and MOC supply is capped at 210 million.
Staking incentives: In the June 6 to July 5 period, 185,674 MOC went to the 10 oracle operators, up 128% from 81,583 MOC in the prior period, on 118.56 million MOC staked, a 0.16% return for operators.
Supply: MOC is permanently capped at 210 million with no minting or burn function. Operators stake MOC to compete for the 10 priced slots, with 250,000 MOC currently needed to enter, and rewards come solely from actual protocol fees.
MoneyOnChain implemented MIP#263101 in 2026, adding an RIF/USD pair and TasksRunner task-execution consensus to the OMOC oracle network so independent nodes can execute routine protocol tasks as well as publish prices. The same upgrade rerouted RoC revenue conversion through RIF to USD₮0 to WBTC to MOC to cut slippage, and introduced an oracle circuit breaker, automatic unsubscription for under-staked operators and cleanup of deprecated BTCX logic. In the first half of 2026 OMOC nodes published more than 21,000 prices and distributed about 300,000 MOC in rewards.
MoneyOnChain's Future strategy and roadmap: The roadmap is to migrate RIF on Chain and MoC price provision and task execution from semi-centralized feeders and automators to OMOC consensus through a separate governance proposal, while expanding subscribable pairs and task types.
Maximiliano Carjuzaa — Co-founder & CEO; has long led the Bitcoin-collateralized DoC stablecoin on Rootstock.
Manuel Ferrari — Co-founder; responsible for protocol economics and the BPRO leveraged product design.
Alejandro Bokser — Co-founder & CTO; leads smart contract and oracle architecture.
MoneyOnChain charges a protocol commission on DOC minting and redemption of 0.25% of the transaction amount when paid in rBTC and 0.20% when paid in MOC.
MoneyOnChain lets integrators add a vendor markup of up to 1% on mint and redeem operations, settled in MOC and retained as revenue by the integrating platform.