Run your whole business.
On rails built for the next decade.
Books, invoicing, recurring billing, multi-rail payouts, 1099s & W-2s — one app, zero monthly software bill. Built on USDC, Doge, Zelle, and printable check — not floppy-disk-era ACH batches. Pay your people the day funds clear. Replace QuickBooks, Bill.com, and the year-end 1099 scramble — in one window.
Stop renting five apps
to run your business.
QuickBooks. Bill.com. Stripe Invoicing. A 1099 scrambler in January. A spreadsheet trying to reconcile all of it. Munny is one app that does all of it — books, invoicing, recurring, multi-rail payouts, 1099s, W-2s — on rails built for the next decade, not the last one. No monthly subscription. It’s yours, not rented.
Money in. Books. Money out. Plus a loyalty token.
Four jobs every small business has. One app that does all four — and reconciles them to each other automatically.
Bill people. Get paid.
Invoices in 30 seconds
Public share-link + branded PDF + the four ways to pay (Zelle, PayPal, ACH, card-by-link) on one page. No client login needed.
Recurring billing
Set it once. Munny drafts the next invoice weekly, monthly, quarterly, or yearly — with one click to send.
Auto-deposit + reconcile
Mark paid in one click. The transaction lands on your books with the right category and customer attached.
Replaces QuickBooks.
Income, expenses, categories
Real chart of accounts. Income vs expense. Tag every dollar to a customer, vendor, or property. Built for actual bookkeeping — not a glorified spreadsheet.
P&L + cash position, live
Profit & loss, cash on hand, AR aging — refreshed on every transaction. No "Sync now" button. No QuickBooks Online lag.
Lender-ready cash flow reports
Rolling 12/24-month deposit totals, income consistency scoring, expense ratios, DTI calculator — formatted the way a mortgage underwriter actually wants to see it.
Year-end + TurboTax export
CSV export to TurboTax / your CPA. 1099-NEC and W-2 prep tracked all year, not panic-coded in January.
Pay your people. Their way.
Four payout rails
Zelle (free), USDC on Ethereum (~$0.10), Dogecoin (~$0.05), printable on-site check. They pick the rail that works for them.
Cash-able checks, on demand
Print a real MICR-line check on plain paper from any laser printer. No mail, no envelopes, no driving across town on Friday.
1099-NEC + W-2 ready
Every payout flows through the agent’s W-9. December 31st, click. Copy B prints in seconds.
A loyalty token, built in.
MUNNY token (closed-loop)
Reward your team or your best customers with branded service credit. Gift it for birthdays, redeem in your store. FinCEN-safe by design.
White-label your own
Run your business under your own coin name + colors. Munny is the platform; you keep the brand and the relationship.
Compliant by default
$2k/day cap, no cash-out, no yield. Boring on purpose — that’s how you stay clear of money-transmitter rules.
Contractors, agents, crews, freelancers, W‑2 employees — if you pay them, we can help.
The money cleared.
Their bank held it anyway.
I had the cash in my account. I could cut my agent’s commission check in two minutes. Then their bank would sit on that check for up to three weeks. Not because it had to. Because it could.
I can’t speed up a bank. But I can give my people a choice — a rail that moves at the speed of actually being paid. That’s what Munny does.
“My entire business revolves around recruiting, training, and retaining agents. Their commission payouts are the single most important thing I do for them. That’s why I built Munny. That’s why I use Munny.”
Cheaper. Faster. More efficient.
For everyone with people to pay.
Stop driving checks on Friday.
- Pay your sub‑crews the second funds clear — phone, tablet, or laptop, any rail.
- Let the crew print their own cashable check on‑site instead of waiting on mail.
- Auto‑1099 every sub at year‑end. No January scramble, no CPA surcharge.
- Optional: brand a loyalty token your crews spend on tools, PPE, training, or apparel.
Commissions out the day they clear.
- Commission lands → split engine carves the agent’s share instantly.
- Agent picks the rail: USDC, Zelle, printed check, DOGE, or whatever you support.
- Monthly seat fees and supply charges auto‑settle. One ledger, one export.
- Gift branded token for birthdays, anniversaries, performance — loyalty that markets you for free.
Pay your crew the night of the shoot.
- Freelance cam op, sound, edit, talent — paid before they pack up.
- USDC, Zelle, or printed check on the spot. No net‑30 nonsense.
- Year‑round 1099‑NEC tracking per crew, per project, exportable.
- Loyalty token for repeat talent — redeemable for gear rentals, classes, or your merch.
SOX‑friendly disbursement rails.
- Every payout — 1099 and W‑2 fringe — is a timestamped, counterparty‑tagged, audit‑ready transaction.
- GAAP‑clean accounting for closed‑loop token issuance: FASB ASC 450 accrual when gifted, reversal on redemption.
- Segregated duties, immutable audit log, role‑based access — built for your internal controls.
- Example: a public EV maker could gift "TeslaBucks" to employees as a qualified employee discount under IRC §132(c), redeemable in their merch / accessories / cars store — fair market value booked to W‑2 Box 14 automatically.
Perks, bonuses & birthday gifts — done right.
- Gift your employees a branded token for birthdays, anniversaries, holiday bonuses, performance streaks, wellness milestones.
- Redeemable on your merch store — swag, gear, fitness passes, dinner vouchers, even employee car / product discounts.
- Auto‑classified at tax time: de minimis fringe under IRS Pub 15‑B where it fits, qualified employee discount under IRC §132, or taxable fringe reported to W‑2 Box 1/3/5/14 when over threshold.
- Every gift, spend, and redemption is ledgered — your CFO and CPA get one clean export, not forty.
A/P that keeps up with the line.
- Same‑day settlement to sub‑crews, independent drivers, and 1099 shop hands.
- Fuel‑card style token programs per driver, per plant, per region.
- Integrates with your ERP / accounting stack — we build the bridge.
- Real‑time dashboard of money out, 1099 liability YTD, and vendor concentration.
Your customers’ GMV made legible.
- Every mint, payout, gift, and redeem is a timestamped transaction — GMV that reads like recurring revenue.
- FinCEN closed‑loop exempt. GENIUS Act safe. CLARITY Act ready. Legal posture documented and printable.
- Multi‑tenant SaaS — licensed business‑by‑business. Network effects start at $25/seat/month.
- Optional Solana‑mirrored ledger means your underwriting can verify volume cryptographically.
Everything your back office does — in one app.
Every feature built on one principle: AI‑automated rails that cut out every middleman the law lets us cut — and keep receipts on the ones we can’t (yet).
Vendor ledger that doesn’t sleep
One ledger for every 1099 vendor you pay. Splits, fees, reimbursements, and loyalty all settle against it. Real‑time, audit‑signed, accountant‑ready.
Rails you pick — not us
USDC, Zelle, ACH, wire, printed check, Chime, Cash App, Dogecoin, Bitcoin, your own bank API — whatever your vendors want. Turn rails on or off per vendor, per payment type, per state.
Multi‑chain auto‑receive — books update themselves
Munny watches your BTC, ETH, BASE, SOL, and DOGE receive wallets every hour. The second a payment lands on‑chain, it’s priced in USD and posted to your books as income — chain, tx hash, native amount, all on the line. USDC on Solana and on Ethereum / Base auto‑detected. Zero manual entry, zero missed deposits.
Still want a paper check? Print it yourself.
Your vendor logs in, picks “check,” hits print. That’s the whole workflow. No one drives anywhere. No envelopes. No stamps. No “the check’s in the mail.” No waiting on a courier. It’s electronic end‑to‑end — the paper only exists the second they send it to their printer. Auto‑numbered, MICR‑compliant, legally cashable at any bank, same day you approved. Try doing that with payroll.
1099‑NEC, already calculated
Every completed payout tracked against the vendor’s W‑9, running YTD total. January comes, one click — printable 1099 Copy Bs ready to mail. No CPA bill. No reconciliation nightmare.
Munny Books — your bookkeeping, built in
Income and expense tracking, P&L for any date range, Schedule C-aligned categories, CSV import from Mercury / Chase / Amex / PayPal, TurboTax-ready export. Replaces QuickBooks for small operators — no monthly subscription, no upsells.
Branded loyalty token (optional)
Name it whatever you want — closed‑loop service credit you gift for birthdays, milestones, bonuses. Vendors redeem on your stocked store: swag, tools, classes, gear, merch. Loyalty that doubles as marketing.
Invoicing — public link, PDF, fully recurring
Bill anyone in 30 seconds. Munny generates a public link, a clean PDF, and Zelle / PayPal / ACH instructions on the same page. Recurring invoices auto-generate every day, week, or month — drafted, numbered, sent. The hour they’re paid (PayPal webhook or chain watcher) the income lands in your books automatically. No CRON job to babysit.
Chime, Mercury, Chase, Amex — all in your books
Drop the monthly statement CSV into Books → Import. Chime, Mercury, Chase, Amex, PayPal — all auto-detected. Date, description, amount → posted, categorized, ready for your P&L. No Plaid fees, no bank API gymnastics — until you want them, in which case we wire them up to your account directly.
AI automations — yours to customize
Auto‑gift workflows, anomaly detection on A/P, natural‑language reporting (“what did I pay Mike in Q3?”), predictive cash‑flow forecasting, custom CRM / lead‑gen / ERP integrations. Built for your business by 2MOON TECH.
Integration layer (live)
Plug your existing stack into 2MOON TECH via HMAC‑signed webhooks and bearer‑auth REST. Sync vendor rosters, auto‑gift on milestones, pull balances, poll event feeds. One API call does the whole birthday drop.
You pick the rails.
We wire them up.
The four rails on the right are what Ivy Realty — our first tenant — chose to launch with. That’s their mix. Yours can be completely different.
Want Chime and Cash App? Done. Want only wire and printed check? Done. Want Bitcoin, Solana, an L2 your CFO likes, or a direct integration with your bank’s API? Done. That’s the whole point of working with 2MOON TECH — the app is yours, we customize it. Change your mind in a year? We ship the new rail.
24/7 settlement. Treated like cash at major banks.
Hits a checking account the same day. No hold.
MICR-compliant, auto-numbered. Hand it to the vendor.
1‑min blocks, ~30 TPS. A real payroll rail that happens to be shaped like a meme.
Don’t dismiss it because of the logo. ~65‑second confirmations (vs Bitcoin’s ~10‑minute blocks), ~30 transactions/second (vs Bitcoin’s ~7), and flat ~$0.05 fees regardless of dollar amount. That beats a $30 domestic wire every single time, 24/7/365. For payroll‑scale volume to independent operators who already hold DOGE wallets, it’s the fastest legal rail that isn’t a bank.
A real brokerage already runs on it.
Meet Ivy Realty.
Ivy runs the entire back office through the Munny app. Commission splits land same‑day the broker’s bank clears — agents pick their rail inside the app (USDC, Zelle, printed check, or Dogecoin). No “when does my commission arrive?” text to the brokerage ever again.
MUNNY (the branded token we minted for them) is the loyalty layer — separate from commissions. It’s how Ivy gifts birthdays, milestones, and bonuses, redeemable on their stocked merch store. Commission splits = the app. MUNNY = the gift. Two completely different flows.
One back office, one clean ledger, one 1099 run in January. No CPA scramble. The proof’s on the laptop — that’s the app they’re running, right now.
Name it whatever you want.
We’ll mint it.
The coin above is MUNNY — the token we built for Ivy Realty, our first tenant. It’s their coin, their merch, their swag. When your business signs on, 2MOON TECH mints you your own branded token — call it whatever fits: “KellerCoin,” “TeslaBucks,” “JoeMechanicCash,” “SparksByElectric,” “FarmFreshPoints.” Same playbook — 1 token = $1 of services, gifted by you, spent by your vendors inside the merch store you stock.
Welcome gifts, birthday gifts, holiday gifts, performance bonuses, signing bonuses. Vendors redeem on T‑shirts, hats, mugs, tools, gear, training, listing signs, leads, classes — whatever you carry. Every dollar you gift walks around town as branded swag, vendor‑chosen, logo‑forward, already paid for. Zero cash‑out headache. 100% brand amplification.
Every token gifted is booked at $1 USD — clean 1099/W‑2, clean GAAP expense accrual, clean tax receipt. No price oracle, no volatility, no guesswork.
Redeemable only inside your stocked store. Outside FinCEN money‑transmitter definition (31 CFR §1010.100(ff)(8)(ii)(B)), outside GENIUS Act stablecoin scope, no Howey securities test to fail.
Minted the moment you gift, burned the moment it’s redeemed. Supply is inflationary on issuance and contracts on redemption — the ledger never floats liability you don’t actually owe.
Per‑vendor purchase limit keeps you inside the closed‑loop safe harbor. No state money‑transmitter license required, 50 states.
Every off‑chain balance can mirror 1:1 to an SPL token on Solana mainnet — 400ms finality, ~$0.00025 per transfer, 65k TPS. Portable track record, verifiable by any wallet.
Whole‑number units only. One token is one dollar’s worth of your company’s services — no fractional cents, no sub‑penny arithmetic, no rounding confusion at tax time.
Gifting your token doesn’t just reward your vendors. It pays you back in brand.
They spend the token on the stuff they actually want — a hat, a hoodie, a tool, a class, a listing sign, fresh leads. Your gift feels personal because they chose it.
Every hat, mug, sign, tool, and shirt in the store carries your logo. Every gift turns into a walking billboard. Your loyalty budget doubles as your marketing budget.
Auto‑gift on birthdays, anniversaries, project completions, Christmas, performance streaks via the 2MOON TECH API. Set it once — the loyalty program runs itself.
“As a broker, I’m marketing my brand every single day. My token makes that fun and easy — my agents choose how they want to spend it, whether that’s merch in my online store or paying their monthly membership fees right back to me. It’s how I grow in a solid, scalable way.”
A loyalty token that makes tax season simpler — not harder.
Every mint, gift, spend, and burn is timestamped, counterparty‑tagged, and mapped to the right IRS / GAAP bucket automatically. You export one CSV and your CPA knows exactly where every dollar landed.
- Gifted tokens book to the vendor’s YTD 1099‑NEC Box 1 at $1/token fair market value.
- Auto‑flags every vendor crossing $600/year so you never miss a filing obligation.
- One‑click printable 1099 Copy B, pre‑populated from your W‑9 on file.
- Small, occasional gifts can qualify as de minimis fringe under IRS Pub 15‑B (low‑value holiday gifts, birthday mugs, the occasional turkey).
- Discounts redeemed on your own products / services can qualify as a qualified employee discount under IRC §132(c) — within IRS percentage limits.
- Anything over threshold? Fair market value flows cleanly to W‑2 Box 1/3/5 with optional Box 14 disclosure — payroll tax handled by your existing payroll provider.
- Cash & cash‑equivalent gifts are never de minimis, per the IRS. Our ledger flags those automatically so you don’t misclassify.
- Same framework the FASB uses for gift cards, airline miles, and loyalty points: ASC 450 accrual on issuance, reversal on redemption.
- Outstanding‑token liability sits cleanly on the balance sheet — every month‑end, the number matches on‑chain supply.
- Breakage (unredeemed tokens) reverses into income on your retirement policy — we hand your CFO the journal entries.
- Tokens are scrip / closed‑loop gift certificates, not money — no sales tax at issuance.
- Sales tax applies (if applicable) at the point of redemption, based on the real product sold and the buyer’s jurisdiction — same as any gift card.
- Every redemption transaction is tagged with state, line‑item, and dollar value — drop‑in for your tax engine (Avalara, Vertex, TaxJar).
We’re a build shop, not your tax advisor. Work with your CPA / CFO / tax counsel on final treatment — we give them clean data and a paper trail that makes the conversation a ten‑minute meeting.
Not a stablecoin
Service credit, not a payment instrument. Outside the GENIUS Act scope entirely.
Not a security
Pure consumptive utility. No yield, no appreciation promise — no Howey test to fail.
Not a money transmitter
Closed‑loop under $2,000/day per FinCEN safe harbor (31 CFR §1010.100(ff)(8)(ii)(B)). No state license needed.
Built to mirror 1:1 on Solana.
Every token your closed‑loop ledger issues today is engineered to mint as an SPL token on Solana mainnet tomorrow — same unit, same balance, same vendor. 400ms finality. ~$0.013 average transaction fee — literally a fraction of a penny. ~65,000 TPS. Your production history becomes a public, portable, Dogecoin‑style track record — verifiable by any lender, business partner, or auditor with a wallet.
That’s a fraction of a penny. Minting a new branded token costs about 0.003 SOL — a few cents, one‑time. For an enterprise that pushes tens of thousands of gift/redeem events a year, Solana is effectively free to operate. Your CFO will ask why you didn’t do this sooner.
Solana runs tokenized real estate, commodities, and treasuries (BlackRock BUIDL, Franklin Templeton FOBXX, Ondo, Homebase, Baxus, dVIN). Same tooling lets you mint ownership & warranty tokens for your products — cars, equipment, appliances, collectibles — tied to a physical serial.
The on‑chain hash is the receipt. Sale date, serial, buyer, warranty terms — cryptographically fingerprinted, public, and impossible to forge. Customer loses the paper? Their wallet still has the warranty. We automate the mint the moment the sale posts.
US‑compliant by design.
Private or public company — we meet you there.
Next.js 14 + TypeScript. PostgreSQL with Prisma. NextAuth with 15‑minute session timeout. AES‑256 at rest, TLS 1.3 in transit. Every administrative action signed into an immutable audit log. Receipts required by IRC §6001; 1099‑NECs pre‑calculated under IRC §6041A.
Running a public company? We work with your CFO, controller, and external auditors on disclosure language, GAAP treatment (FASB ASC 450 accrual on issuance, reversal on redemption — same framework used for gift cards and airline miles), and internal‑controls sign‑off for SOX 404. Every mint, gift, spend, and burn is a timestamped, counterparty‑tagged transaction that stands up to audit.
Regulated industries (banking, insurance, investment advisory, healthcare) get additional review on state money‑transmitter rules, SRO guidance, and fiduciary scope before go‑live — we won’t ship something that puts your license at risk.
Any company. Any person. Any rail.
Ship it.
2MOON TECH is what happens when you take a 2011 FinCEN rule, a 2025 stablecoin law, a full‑stack AI build shop, and a business that’s tired of paying banks to sit on its people’s money — and you point the entire toolkit at everyone on your payroll, contractor roster, or crew list.
AI‑automated. Same‑day settlement. Virtually peer‑to‑peer — with banks and exchanges only where the law still requires them, and self‑custody options for the people who want to skip them entirely. No Friday check‑driving. No spreadsheets on payout day. No January 1099 scramble. No spring W‑2 fringe‑benefit guesswork. Just the fastest legal way to put your A/P into your people’s hands the moment the money is actually yours.
Your business.
Your rails.
Automated.
I’m Ivy Clay, founder of 2MOON TECH. I build automations for my own companies and can help with yours too. If you’re curious what AI can do for you and your business, reach out — I’d love to help you build something that actually fits.
Tell me a little about your company and what you’re looking for. I’ll reach out within 24 hours to walk you through the platform and scope a build.