# Vision

Send. Receive. Swap. Exchange. All powered by your personal AI assistant, Newton.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FjS1c6pv01ul1nuw6pfb6%2Fimage.png?alt=media&amp;token=17d5f064-167a-4cbd-84b6-3e25354178b5" alt=""><figcaption></figcaption></figure>

## Power Your Finances with Newmoney AI and Newton

**Meet Newmoney AI: Your Digital Finance Platform**

Break the boundaries of personal finance with Newmoney AI, the global digital finance platform powered by AI. Seamlessly integrated with WhatsApp, email, and Telegram, Newmoney AI enables you to manage cash, stocks, and cryptocurrencies through a simple, robust mobile wallet. With support for **Solana, EVM-compatible blockchains, and Native Bitcoin**, it’s never been easier to connect traditional finance with DeFi.

**Introducing Newton: Your AI Transaction Assistant**

Newton is the AI at the heart of Newmoney—a powerful agent that facilitates cash and crypto transactions effortlessly. Whether you’re rebalancing your portfolio, crafting a budget, or transferring assets across Solana, EVM, and Bitcoin, Newton makes every step seamless and intuitive. Accessible from any device and most major platforms, Newton ensures that managing your money is as easy as a conversation.

{% embed url="<https://www.youtube.com/watch?v=gHKAfZCvEXA&t=49s&ab_channel=Newmoney>" %}

***

### What Makes Newmoney Unique?

**AI-Powered Financial Management**

Newmoney harnesses the power of AI to help you efficiently manage your finances. From rebalancing your investment portfolios to crafting personalized budgeting plans, our AI assistant ensures your financial goals are always within reach. Newton is constantly learning and advancing his potential to help you on your financial journey.

**Broad Asset Support**

With support for Solana, EVM-compatible blockchains, and Native Bitcoin alongside cash transactions, Newmoney offers unmatched versatility. Our platform features easy and affordable on and off ramping, making it simple to transition between crypto and traditional finance.

**Messaging Integration**

Manage your finances directly via email,  Whatsapp or Telegram. No extra apps required— although we are currently building for mobile!

**All-in-One Platform**

Handle cash, explore cryptocurrency, and purchase stocks (coming soon)—all in one place.

**Empowering Developers**

Developers can build and publish financial agent apps, offering diverse financial transactions to their customers. Contact our team for more information on how you can build with Newton.

***

### **Meet Newton, Your AI Financial Assistant**

If you know how to text, you’re ready to excel with Newton. Simply tell Newton what you want, and he’ll handle it for you:

1️⃣ **Send and Receive Cash**

* Easily send or receive money using a phone number, email, or social account.

2️⃣ **Deposit to Your Bank or Contacts**

* Transfer funds to your bank account or to friends and family effortlessly.

3️⃣ **Explore Stocks and Crypto**

* Discover new opportunities in cryptocurrency and invest in your favorite stocks (coming soon).

***

### **Why Choose Newmoney AI?**

* **Simplicity:** Manage your finances through simple conversations.
* **No Technical Expertise Needed:** No apps, websites, or Web3 knowledge required.
* **Efficiency:** Focus on what matters while Newton handles the complexities for you.

{% hint style="info" %}
*With Newmoney, if you can text, you can manage your finances like a pro. Ready to get started? Let Newton take your finances to the next level!*
{% endhint %}

### Start your personal finance conversation today


# Roadmap

Follow us on our journey to power user's finances around the globe with our powerful AI solutions!

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FTMi74XuP1W7Wr1jWSm7Z%2Fimage.png?alt=media&amp;token=e12e9389-95ee-4bc5-b3b8-e3b51adcd22d" alt=""><figcaption></figcaption></figure>

## The Newmoney Roadmap

\
We’ve come a long way, but this is just the beginning. Here’s a look at what we’ve accomplished and what’s coming next:\
Live

* Digital Cash: Allowing P2P free/gasless cash transactions without any border restrictions.
* Solana Integration: Newmoney AI wallet and Newton supports Solana transactions.
* WhatsApp, Discord, and Telegram Integration: Use Newmoney directly in the apps you already use.
* Chrome Browser Extension: Manage your finances right from your browser.
* Native BTC Wallet Integration: A secure and easy way to manage Bitcoin directly in Newmoney.
* Referral Network: Invite your friends and earn rewards for growing the Newmoney community.
* [Li.Fi](https://li.fi/) Integration: Allowing swapping and bridging on-chain assets on all supported networks.
* Coinbase Integration: On/Off ramp in 180+ Countries

### Soon<br>

* iOS and Android Native App: A dedicated mobile app for an even smoother experience.
* \[REDACTED]: Newton will be able to do something no other can. We will reveal more info in the coming weeks.
* Digital Cash Yield: Earn rewards on your digital cash balances.
* Chrome Browser Extension Enhancements: Improved features and usability for managing your money on the go.
* AI Agent Marketplace: Discover and use AI-powered financial tools tailored to your needs.

### Upcoming (Post-Q2 2025)<br>

* Debit Card Issuance: Spend your money anywhere, anytime, with ease..
* Equities Trading: Invest in stocks directly through Newmoney.
* AI Agent Updates: Smarter, more personalized financial advice and execution from Newton.
* Cross-Chain Operability Enhancements: Seamless transactions across multiple blockchains.
* Bill Management: Stay on top of your bills with automated tracking and reminders.
* Digital Cash Yield: Digital Cash wallet transforms from a debit account into a savings account.

**We’re building a future where managing your money feels effortless.**


# Today

**Closed Beta**&#x20;

*Q4 2024*

* [x] **Web app**, a familiar way to manage your account and finances
* [x] **Newton**, your AI financial assistant
* [x] **SMS integration**, a means to reach users from all regions and walks of life
* [x] **KYC on and off ramping**, a complete bankless solution to your financial needs

Select participants have the opportunity to test the existing potential of their AI companion, Newton. By providing valuable feedback, our users will help to prepare the future of AI-driven actions through their initial usage.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2Fg6rQDRQ7NgXlx7NfktSl%2Fimage.png?alt=media&amp;token=d9930718-5763-4a69-97ac-bd1f76cfb283" alt=""><figcaption></figcaption></figure>

Early participants will earn exclusive referral codes that supercharge their earnings and pave the way to an extended network of Newmoney users.&#x20;


# Tomorrow

**Open Platform**

*2025*

* [ ] **Referral Network**, invite friends, family, and peers to earn valuable rewards
* [ ] **Best Price Exchange**, swap any digital asset with the guaranteed best price and route available
* [ ] **Solana Integration**, unite your funds across EVM and popular non-ethereum chains
* [ ] **Discord and TG**, access Newton across more platforms that you already use
* [ ] **Chrome Browser Extension**, manage your Newmoney assets in one easy to use browser wallet

All users are welcome in Q4 2025 to access their AI financial assistant, Newton. With the support of Newmoney, anyone will be able to seamlessly exchange balances with their peers, execute complex, multichain transactions via simple conversation, and bridge the gap between their traditional finances and web3. <br>

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2Fl9auebu6wFsJEsCcP4UI%2Fimage.png?alt=media&amp;token=38e4b883-85a5-4c1c-89da-2cedbc0c6281" alt=""><figcaption></figcaption></figure>

\
This period is focused on improving the user experience and gathering feedback for desirable product solutions while introducing the core feature set.  &#x20;


# The Future

**Grand Plan**

* [ ] **Onchain Debit Cards**, elevate your finances and spend with freedom with our secure virtual cards
* [ ] **Broader AI Agent Services**, open development to the community to create more AI-action agents
* [ ] **Decentralized Large Language Models (LLMs)**, invigorate Proof-of-Work (PoW) in order to accelerate AI learning
* [ ] **iOS and Android Native App**, take full control over your finances on the go

The <mark style="color:purple;">**NEW**</mark> era of <mark style="color:purple;">**MONEY.**</mark>\ <br>

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FQQfNPIdSpExHdKTBEqdW%2Fimage.png?alt=media&amp;token=45441a41-8e20-4fde-aa3d-633bab703dc1" alt=""><figcaption></figcaption></figure>


# Overview

## Welcome to the Newmoney App

The Newmoney app is your gateway to connecting all of DeFi with everyday finance. Built on the Solana ecosystem, Newmoney simplifies managing your finances by seamlessly integrating decentralized finance with cash transactions. Whether you're sending, receiving, or investing, Newmoney makes it intuitive, affordable, and secure.

<div data-full-width="true"><figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FH7WXkoExWxLkywmXOGil%2Fimage.png?alt=media&amp;token=85f2ab62-94ba-4fa2-9766-4138b6a41acc" alt=""><figcaption></figcaption></figure></div>

***

**How to Get Started**

Joining is quick and easy:\
1️⃣ Visit the [Registration page](https://web.newmoney.ai/onboarding) and create your secure wallet.\
2️⃣ Start managing your finances with zero downloads, directly from secure platforms you already use.

***

**Why Choose Newmoney?**

* **Seamless Access:** No apps to download. Manage your money securely via the accounts and devices you trust.
* **Top-Tier Security:** We've partnered with industry leaders like **Plaid** and **ZeroHash** to ensure your data is always protected.
* **Worldwide Convenience:** Gain unrestricted access to your funds, anywhere in the world.

***

**What Can You Do with Newmoney?**

With Newton by your side, you can:

* **Send/Receive Cash and Crypto:** Move money instantly across the globe.
* **Purchase Cryptocurrencies:** Buy your favorite tokens with ease.
* **Swap Tokens Across Networks:** Effortlessly trade on major networks, including **EVM**, **Solana**, and **Bitcoin**.

***

💡 **Pro Tip:** Your finances, powered by AI and secured by trusted providers, are now just a message away. Say "Hi Newton" and take control today!

<mark style="color:purple;">**Your cash is available. Your cash is secure. Your cash is Newmoney.**</mark>&#x20;


# Using the App

Ready to join the Newmoney revolution? Here's how to get started:

{% embed url="<https://www.canva.com/design/DAGcTGs7aFE/7ut4_YLPBl_ACYFmAVJV8w/watch?utm_content=DAGcTGs7aFE&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h0dbfc1697b>" %}

***

**1️⃣ Visit or Scan**

* **Option 1:** Visit our [website](https://web.newmoney.ai/onboarding).
* **Option 2:** Scan the QR code provided to start the registration process instantly.

<details>

<summary>Scannable QR Code</summary>

![](https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FKgaCOcorPfA0Zn9X19Yf%2Fimage.png?alt=media\&token=0722d887-d4f1-4c4f-8933-dcaaa870d649)

</details>

***

**2️⃣ Register and Personalize**

* **Choose a Registration Option:** Select the sign-up method that works best for you.&#x20;
* **Enter Your Security Code:** Input the code you receive to verify your account.
* **Create Your Username:** Pick a unique username that friends, family, and contacts can use to transact with you.
* **Referral Code (Optional):** If someone referred you, enter their code to give them credit!

***

**3️⃣ Secure Your Account**

* **Use a Passkey:** For the best login and validation experience, secure your account with a Passkey.
* **Alternative Options:**
  * If your device doesn’t support Passkeys, don’t worry!
  * Set up a **PIN** or enable **2FA (Two-Factor Authentication)** after logging in for added security.

***

💡 **Pro Tip:** Your account security is a top priority. Choose the method that works best for you and get started with ease. Welcome to the Newmoney revolution! 🚀

***

**Download the browser extension (Optional)**

**Use the extension:** Our Chrome browser wallet allow you to manage your funds and connect to dapps on nearly any chain! You can download it [here](https://links.newmoney.ai/chrome-wallet).&#x20;


# Funding the Wallet

#### Getting Started with Newmoney AI Wallet

Welcome to Newmoney! We've designed the AI Wallet to be as user-friendly as possible, so you can easily manage your digital finances in one place. Here’s how to get started:

***

**1️⃣ Fund Your Wallet**

There are two simple ways to add funds:

* **Buy Cash with Your Debit Card:**\
  Add cash to your wallet, enabling you to send and request money instantly. You can pay or get paid using a recipient’s username, email, or even their social media handle!
* **Send Crypto to Your Wallet Address:**\
  Transfer cryptocurrency to your Newmoney wallet. We support **Ethereum-based (EVM) chains**, **Solana**, and **Bitcoin** for seamless crypto transactions.

{% embed url="<https://www.canva.com/design/DAGcHMNfKG4/D4G1Hu0wiqmokLUOJhzrSA/watch?utm_content=DAGcHMNfKG4&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h080dde733c>" %}

***

**2️⃣ Request Funds**

Need someone to pay you?\
\
Send a payment request directly from your Newmoney wallet—even if the recipient isn’t a Newmoney user. It’s simple, fast, and hassle-free. You can also share your unique wallet QR code with anyone by selecting the QR code icon at the top of your wallet.&#x20;

***

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FpPbJXd66QKnuFRCdMAnb%2Fimage.png?alt=media&amp;token=8fdd4109-1172-4445-865d-6dd1d31fbf5c" alt=""><figcaption></figcaption></figure>

💡 **Pro Tip:**\
Newmoney’s versatility lets you handle both cash **and** crypto, making it your all-in-one digital finance solution. Get started today!<br>


# Cash

## Using the Wallet

Once your wallet is funded, you're ready to explore all the features Newmoney has to offer! You can send cash, purchase or swap crypto, and even invest in your favorite tokens. The first step is connecting with your friends, family, and favorite apps.

*Be sure to review* [*How to Add Cash* ](/using-the-app/funding-the-wallet)*before exploring the rest of your wallet*

## **Sending and Receiving Cash**

{% embed url="<https://www.canva.com/design/DAGcUHlkxVw/8-khtN1TDHv0n4yB9T7oCg/watch?utm_content=DAGcUHlkxVw&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h1a9fc33259>" %}

With Newmoney, you can send cash to anyone in the world using their username, email, wallet address, or phone number. Here's how:

1️⃣ **Enter Recipient Information:**\
Provide a username, email, wallet address, or phone number to identify the recipient.

2️⃣ **Choose the Amount:**\
Specify the amount of cash you want to send.

3️⃣ **Review and Send:**\
Verify the details, then press **Send**.

4️⃣ **Authenticate (if needed):**\
For large amounts, you’ll be asked to authenticate using your pre-established security method.

{% hint style="info" %}
💡 **Not a Newmoney user yet?**\
No worries! Sending or requesting cash acts as an invitation to join Newmoney. Plus, you’ll earn referral credit when they sign up!
{% endhint %}

***

##


# Crypto

Newmoney brings Agent Intelligence to your wallet for the web, Apple, Android, and browser!

## Your Wallet

The Newmoney wallet supports assets from a wide range of blockchains, which include:

* **EVM**s: Ethereum, Arbitrum, Base, Binance Smart Chain, Optimism, Polygon, Avalanche, and more
* **Solana**
* **Bitcoin**
* **SUI**

To find your wallet addresses, simple navigate to the "Crypto" tab and click on the Main Wallet button in the top center area. All of the addresses diaplayed are supported by your Newmoney wallet!

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2F76dtzwwcnEODVHmiWMMS%2Fimage.png?alt=media&amp;token=35b82f19-050c-45d3-a6dc-5a8c90886e1f" alt=""><figcaption><p>A comprehensive list of all your defi wallet addresses can be found here</p></figcaption></figure>

{% hint style="info" %}

#### Subaccounts

In addition to the above supported chains, your wallet is outfitted with unlimited subaccounts. **Your username is tied to the Main Wallet, which acts as a primary address for receiving funds**. To create a new account, click on the down arrow next to the Main Wallet button.
{% endhint %}

## **Sending and Receiving Crypto**

Easily manage your multichain crypto portfolio Here's how:

1️⃣ **Go to the Crypto Page:**\
Select **Send** from the menu. Want to request crypto from a friend instead? Select the **More** button, then **Request.**

2️⃣ **Choose a Friend or Contact:**\
Enter their Newmoney username, e-mail address, or crypto wallet address. If your friend has not registered an account, you can easily send them funds via e-mail and they will receive a registration link with their funds!

3️⃣ **Select  a Token to send:**\
Pick a token from the auto-populated list of your balances and the amount that you would like to send.

4️⃣ **Review and Confirm:**\
**Ensure you have enough gas tokens for network fees**, then confirm the swap.

## **Swapping and Bridging Crypto**

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2Fkp757TJ8vvnlf0nMhN1z%2Fimage.png?alt=media&amp;token=84fe362d-1037-4769-a2b1-c8d5143a8ff3" alt=""><figcaption></figcaption></figure>

With the Newmoney wallet, you can easily exchange crypto across popular blockchains at competitive rates, thanks to our partnership with **LiFi**, a premier DEX aggregator. Here's how:

1️⃣ **Go to the Crypto Page:**\
Select **Swap** from the menu.

2️⃣ **Choose a Token to Sell:**\
Pick a token from the auto-populated list of your balances.

3️⃣ **Select Chain & Token to Buy:**\
Determine the blockchain and token you want to purchase. LiFi will handle the best route and price for you.

4️⃣ **Review and Confirm:**\
Ensure you have enough gas tokens for network fees, then confirm the swap.

{% hint style="info" %}
You will only see token and cash balances for the active wallet that you select on the Crypto Accounts menu!&#x20;
{% endhint %}

More of a visual person? Check out this short video on swapping and bridging:

{% embed url="<https://www.canva.com/design/DAGcTSmcrjI/Vw5WStKOodC9koImTRtOUQ/watch?utm_content=DAGcTSmcrjI&utm_campaign=designshare&utm_medium=link2&utm_source=uniquelinks&utlId=h8926276e72>" %}

***

💡 **Pro Tip:**\
Newmoney makes crypto swaps seamless, whether you're bridging across chains or exploring new tokens. Happy trading!


# Withdrawing from the Wallet

## Withdrawing Funds

Managing your cash and crypto is just as easy as adding it to your wallet. Newmoney offers three convenient withdrawal options, ensuring flexibility and global accessibility:

***

**1️⃣ Transfer to Coinbase**

* **What it is:** Use your existing Coinbase account to withdraw funds as **USDC (Arbitrum)**.
* **Why choose this:**
  * **FREE transfers**—no fees!
  * **Fast and reliable.**
* **Recommendation:** This is the **cheapest and most seamless option**, and we highly recommend it.

***

**2️⃣ Withdraw to a Debit Account with Transak**

* **What it is:** Send your funds directly to your debit card in over **160+ countries** via Transak.
* **How it works:**
  * Securely enter your card details.
  * Receive your cash in your local currency.
* **Fees & Timing:** Vary depending on your location. Check out [Transak's documentation](https://docs.transak.com/docs/transak-off-ramp) for more details.

***

**3️⃣ Self-Managed Withdrawals**

* **What it is:** Convert your cash to stablecoins using the **Transfer** button.
* **How it works:**
  * Exchange your cash to crypto.
  * Send your funds to any wallet address.
* **Why choose this:** Ideal for users who prefer to manage their own crypto wallets and transfers.

***

💡 **Pro Tip:**\
For the most cost-effective option, transfer to Coinbase as USDC. For quick global cash access, Transak is a great alternative. Choose what works best for you!


# Newton, AI Agent

## Introducing Newton: Your Multilingual AI Financial Agent

Newton is more than just a feature—he's your personal financial agent, designed to make managing your money seamless and accessible. Powered by cutting-edge AI, Newton connects you with the full capabilities of Newmoney in the most intuitive ways possible.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FBChRkuQR70hseWEVRVA8%2Fimage.png?alt=media&amp;token=60f40ac2-8225-4190-9ff1-d1ab2ccd349d" alt=""><figcaption></figcaption></figure>

***

**Key Features of Newton:**

* **Multilingual Support**: Communicate with Newton in any language. Whether you’re fluent in English, Spanish, Mandarin, or any other language, Newton ensures a seamless experience tailored to your preferences.
* **Voice Interaction**: Use your voice to interact with Newton. Just speak your requests, and Newton will handle the rest, making transactions, financial insights, and portfolio management even easier.
* **Messaging Integration**: Talk to Newton on your favorite social messaging platforms, including WhatsApp, Telegram, Discord, and more. No need for additional apps—just type or voice your commands.
* **Effortless Transactions**: From sending cash to managing crypto and rebalancing portfolios, Newton simplifies complex financial tasks, all through natural conversation.

***

**How to Use Newton:**

1. **Get Started**: Log into Newmoney and select the Newton icon
2. **Choose Your Platform**: Connect Newton to your preferred messaging app or enable voice commands directly in the Newmoney interface.
3. **Start Communicating**:
   * Type or speak your financial needs, like:
     * “Send $50 to Sarah.”
     * “What’s the balance of my crypto portfolio?”
     * “How can I save more this month?”
4. **Enjoy the Insights**: Newton not only completes tasks but also provides personalized financial insights and strategies tailored to your goals.

***

**Why Choose Newton?**

* **Convenience**: Manage your finances anywhere, anytime.
* **Personalization**: Get insights and recommendations tailored to you.
* **Global Reach**: Connect in any language and on any major platform.
* **Efficiency**: Simplify complex financial tasks with conversational ease.

***

Newton is here to redefine how you interact with your finances, making it simpler, smarter, and more accessible than ever. Start using Newton today and experience the future of financial management.


# Chrome Browser Wallet

Through the [Newmoney AI browser wallet](https://links.newmoney.ai/chrome-wallet), securely control both EVM and Solana assets with the help of Newton. Here, you can manage all of your funds onchain and connect to decentralized applications.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FU1BHuEPr5hysTbGgSQwl%2Fimage.png?alt=media&amp;token=2a94571e-672c-4c5d-88c8-bf9dc08e7816" alt=""><figcaption></figcaption></figure>

* Send and receive digital cash, crypto, and stock (coming soon)
* Bridge tokens between blockchains, Solana, EVM, and Native Bitcoin
* Swap and buy crypto tokens


# Earn

## **Earn Rewards with Newmoney AI**

Newmoney AI is more than just an AI-powered wallet—it's an ecosystem where users can **earn real digital cash backed by USDC** while exploring our cutting-edge features. We've launched multiple initiatives designed to reward users for engaging with our platform, referring friends, and competing for top spots in our community challenges. Here’s how you can earn:

***

### **🔹 Zealy Campaign – $10,000 in Rewards**

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FA6BTydL4RbTgizQEKwDq%2Fimage.png?alt=media&amp;token=995eb076-a791-43df-b464-b8d2be5e1701" alt=""><figcaption></figcaption></figure>

We’re running a **60-day Zealy campaign** where users can **explore, engage, and compete** to earn rewards! The top 500 participants will share a **$10,000 prize pool** in digital cash inside the Newmoney AI app.

#### **🏆 Reward Breakdown:**

🥇 **1st place:** $1,000\
🥈 **2nd place:** $750\
🥉 **3rd place:** $500\
🏅 **4th - 9th place:** $100 each ($600 total)\
🏅 **10th - 30th place:** $50 each ($1,050 total)\
🏅 **31st - 100th place:** $30 each ($2,100 total)\
🏅 **101st - 500th place:** $10 each ($4,000 total)

#### **📅 How It Works:**

✅ **Duration:** 60 days\
✅ **Challenges:** Engage with the app, complete quests, and climb the leaderboard\
✅ **XP & Leaderboard:** Earn XP points to rank higher and win bigger prizes

💡 **Bonus:** We will introduce short **7-day & 14-day sprint quests** with additional XP bonuses that count towards the general leaderboard!

***

### [Referrals](#referrals)

### **🔹 Refer-to-Earn Campaign**

🚀 Invite friends & family to join Newmoney AI and earn rewards when they sign up! During our **randomly activated referral campaigns**, users will **earn $1 per verified user** who registers with their referral link.

🕵️‍♂️ Keep an eye on our announcements—when the campaign is active, the **fastest and most engaged referrers** will benefit the most!

***

### **🔹 Alphabot Mystery Code Campaign – $5,000 in Rewards**

We’re collaborating with **125 active Web3 communities** to distribute **Mystery Access Codes**, giving thousands of users a chance to win!

#### **🎯 Campaign Details:**

➡️ **Total Reward Pool:** $5,000\
➡️ **Colabs:** 125 Web3 Communities\
➡️ **Community Codes:** 3,150 codes distributed\
➡️ **Winning Codes:** 500 guaranteed winners (400 Community, 100 Teams)\
➡️ **How to Enter:** Register & verify on our website\
➡️ **Bonus:** All entrants will receive details about our $10,000 Zealy campaign!

***

### **🔹 Newton Mystery Access Codes**

🔍 **Can you crack Newton’s code?** We are partnering with **125 thriving communities** to distribute **3,250 Mystery Access Codes** that unlock rewards. Newton AI will **randomly select 500 winners** to receive prizes.

#### **📜 How It Works:**

1️⃣ Users register on **Newmoney**, connect socials, and complete verification.\
2️⃣ Once verified, they ask **Newton AI**:\
*“Newton, can you unlock my mystery code? My email ID is xxxx…”*\
3️⃣ If they’re a winner, Newton AI will provide a link to **the winner list**.\
4️⃣ Winners submit proof via our support server to claim their prize.

***

### **Why Participate?**

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2Fh0LRJyp52j08KS27mWfk%2Fimage.png?alt=media&amp;token=c85930e3-69dd-4ca6-8964-504d07ada4fa" alt=""><figcaption></figcaption></figure>

💰 **Earn Digital Cash Backed by USDC** – All rewards are paid in **Agent Cash**, a stable, gasless ERC-20 token backed by **USDC in Aave**.\
📈 **Explore & Learn** – Use your rewards to try swaps, bridges, AI agents, and more!\
🎉 **Compete & Win** – Prove your skills, climb the leaderboard, and earn bigger rewards!

***

### **Ready to Start Earning?**

🚀 Get involved now and secure your rewards!\
🔗 [Join Newmoney AI Now](https://web.newmoney.ai/onboarding)


# Affiliates

Interested in becoming an affiliate? We welcome passionate, knowledgeable users to step up their engagement game and to take referrals to the next level.\
\
If you love what we're building and would like to spread the word, please submit this short 2-minute form, so that we can get to know you. After submission, we will review and offer our response.<br>

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FWogVfVTTMJjCf4tY6TfJ%2Fimage.png?alt=media&amp;token=f01edede-6f88-46f3-bf8e-c6f1089deef4" alt=""><figcaption></figcaption></figure>

{% embed url="<https://docs.google.com/forms/d/e/1FAIpQLSfcXeB3A-e-Q1F1Mw29DJP5xQP79Qxea6InirStdz5Pt0Xkfg/viewform?usp=sharing>" %}


# Tokenomics

## **$NEW Tokenomics Overview**

$NEW serves as the cornerstone of the Newmoney AI ecosystem, empowering users with both utility and governance capabilities. In alignment with our commitment to fairness and community-driven growth, $NEW was launched transparently on Pump.fun, ensuring equal opportunity for all participants. Notably, there were no pre-allocations or special deals for venture capitalists or angel investors, reflecting our dedication to decentralization and user-centric values.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FSmy05gcpbqaa1obpDpg6%2Fimage.png?alt=media&amp;token=31b34f31-4f31-4a50-ac41-a9c263cfadfc" alt=""><figcaption></figcaption></figure>

### Utility

* Governance:\
  $NEW token holders will have the ability to participate in key decisions, such as selecting which agents are allowed on the Agent App Store, which agents qualify for the grants program and $NEW distribution.
* Premium Access:\
  While Newmoney AI & Newton are open to all, $NEW holders gain access to premium features in the future, including but not limited to:
  * Digital Cash Yield services
  * Customization tools
  * Advanced trading strategies
  * Experimental Newton add-ons
* Newton API & Agent App Store:\
  Developers can pay with $NEW to access the Newton API and build their own agents. Once an agent is published, it must pass a governance process to be listed on the Agent App Store.

{% hint style="info" %}
Agents that pass the governance voting may also be eligible for the grants program (details to be revealed in the near future).
{% endhint %}

* In-App Promotions:\
  Developers and businesses can use $NEW to boost the visibility of their agents on the Agent App Store.

### Fee Distribution

A portion of the fees generated by Newmoney AI’s swap, bridge, and future DeFi functionalities will be used for strategic buybacks and redistribution.  7.5% of the total supply is owned by the Newmoney AI treasury and locked for 6 months. \
\
Link: <https://app.streamflow.finance/contract/solana/mainnet/>\
\
This portion will be used for:

* Future funding and team growth
* Promoting Digital Cash and onboarding new users
* Liquidity improvements, including securing Tier 1 exchange listings and improving on-chain liquidity


# Security

## Backed by Stability, Powered by Confidence

At Newmoney, we ensure that all digital cash funds are backed by **stablecoins** that are rigorously audited for compliance and consumer safety. Stablecoins maintain a 1:1 value with their underlying assets and are trusted globally for secure transactions.

***

**Why USDC Powers Newmoney**

We chose **USDC** as the foundation for all transfers and deposits on our platform because it’s:

* **Reliable and Overcollateralized:**
  * **$36.83B USDC** in circulation (as of writing).
  * Overcollateralized by **$10M** for added security.
* **Transparent:**
  * Audited daily by independent third parties.
* **Regulated:**
  * Widely considered the **most transparent and secure stablecoin** available.

💡 **What this means for you:** Every dollar in your digital cash balance is backed by the safest and most trusted stablecoin in the world.

***

#### Your Funds Are Always Available

* Send or withdraw funds from your **digital cash balance** anytime.
* Instant and global settlement between friends, family, and contacts.

***

#### Your Funds Are Secure

We use advanced security measures to keep your money safe:

* **Multi-Party Computation (MPC):** Cutting-edge cryptographic technology for secure transactions.
* **Two-Factor Authentication (2FA):** Extra protection for your account.
* **Passkeys and Biometrics:** The best-in-class methods for secure login and validation.

💡 **Pro Tip:** With Newmoney, you get instant access to your funds backed by the highest security standards, so you can transact with confidence.


# Mainnet Smart Contracts

Newmoney operates on Solana, Bitcoin, and various EVM blockchains. You can review a comprehensive list of all smart contracts that are verified and deployed below.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FlGkcrMxkh4fzf16kpY8n%2Fimage.png?alt=media&amp;token=b13fca95-216b-42cd-99d6-5a1b6bc8f4d7" alt=""><figcaption></figcaption></figure>

### Solana

<table><thead><tr><th width="244">Contract Name</th><th>Address</th></tr></thead><tbody><tr><td>sendReceive</td><td><a href="https://etherscan.io/address/0xA95e3312F4F0dbF6EF08Cd7A2E35644f292f515c#code">0xA95e3312F4F0dbF6EF08Cd7A2E35644f292f515c</a></td></tr><tr><td>cashModuleProxy</td><td><a href="https://etherscan.io/address/0xDA4c77EE2b51E1e47b62837883457dA2D3a0B4fF#code">0xDA4c77EE2b51E1e47b62837883457dA2D3a0B4fF</a></td></tr><tr><td>cashModuleImplementation</td><td><a href="https://etherscan.io/address/0x841b8714595d8d0995197E7fE9A470E5e74C3eBa#code">0x841b8714595d8d0995197E7fE9A470E5e74C3eBa</a></td></tr></tbody></table>

### Ethereum

<table><thead><tr><th width="244">Contract Name</th><th>Address</th></tr></thead><tbody><tr><td>sendReceive</td><td><a href="https://etherscan.io/address/0xA95e3312F4F0dbF6EF08Cd7A2E35644f292f515c#code">0xA95e3312F4F0dbF6EF08Cd7A2E35644f292f515c</a></td></tr><tr><td>cashModuleProxy</td><td><a href="https://etherscan.io/address/0xDA4c77EE2b51E1e47b62837883457dA2D3a0B4fF#code">0xDA4c77EE2b51E1e47b62837883457dA2D3a0B4fF</a></td></tr><tr><td>cashModuleImplementation</td><td><a href="https://etherscan.io/address/0x841b8714595d8d0995197E7fE9A470E5e74C3eBa#code">0x841b8714595d8d0995197E7fE9A470E5e74C3eBa</a></td></tr></tbody></table>

### Arbitrum

<table><thead><tr><th width="263">Contract Name</th><th>Address</th></tr></thead><tbody><tr><td>sendReceive</td><td><a href="https://arbiscan.io/address/0x7117efB8eA42B9d6478059BD880AD25f3704bb08#code">0x7117efB8eA42B9d6478059BD880AD25f3704bb08</a></td></tr><tr><td>cashModuleProxy</td><td><a href="https://arbiscan.io/address/0x6D90A29375f8E98B7858404F70F24d9Fe229E540#code">0x6D90A29375f8E98B7858404F70F24d9Fe229E540</a></td></tr><tr><td>cashModuleImplementation</td><td><a href="https://arbiscan.io/address/0x394e218a3259970789806A43dc2bf157cAd11C6b#code">0x394e218a3259970789806A43dc2bf157cAd11C6b</a></td></tr></tbody></table>

### Polygon

<table><thead><tr><th width="263">Contract Name</th><th>Address</th></tr></thead><tbody><tr><td>sendReceive</td><td><a href="https://polygonscan.com/address/0x887e4A38bd3177EB31BBCCa65c2770592C867510#code">0x887e4A38bd3177EB31BBCCa65c2770592C867510</a></td></tr><tr><td>cashModuleProxy</td><td><a href="https://polygonscan.com/address/0x95A4DA0640Db7210A37D26F9E6EeF76C17B11146#code">0x95A4DA0640Db7210A37D26F9E6EeF76C17B11146</a></td></tr><tr><td>cashModuleImplementation</td><td><a href="https://polygonscan.com/address/0x841b8714595d8d0995197E7fE9A470E5e74C3eBa#code">0x841b8714595d8d0995197E7fE9A470E5e74C3eBa</a></td></tr></tbody></table>

### Others

<table><thead><tr><th width="256">Chain</th><th width="417">sendReceive Contract</th></tr></thead><tbody><tr><td>Solana</td><td></td></tr><tr><td>Binance Smart Chain</td><td><a href="https://bscscan.com/address/0x887e4A38bd3177EB31BBCCa65c2770592C867510#code">0x887e4A38bd3177EB31BBCCa65c2770592C867510</a></td></tr><tr><td>Optimism</td><td><a href="https://optimistic.etherscan.io/address/0x887e4A38bd3177EB31BBCCa65c2770592C867510#code">0x887e4A38bd3177EB31BBCCa65c2770592C867510</a></td></tr><tr><td>Avalanche</td><td><a href="https://snowtrace.io/address/0xA95e3312F4F0dbF6EF08Cd7A2E35644f292f515c/contract/43114/code">0xA95e3312F4F0dbF6EF08Cd7A2E35644f292f515c</a></td></tr><tr><td>Mantle</td><td><a href="https://explorer.mantle.xyz/address/0x887e4A38bd3177EB31BBCCa65c2770592C867510?tab=contract">0x887e4A38bd3177EB31BBCCa65c2770592C867510</a></td></tr><tr><td>Base</td><td><a href="https://basescan.org/address/0x887e4A38bd3177EB31BBCCa65c2770592C867510#code">0x887e4A38bd3177EB31BBCCa65c2770592C867510</a></td></tr><tr><td>Mode</td><td><a href="https://modescan.io/address/0x1F1524555F58a44a85C94338B78544C9F93A57F1/contract/34443/code">0x1F1524555F58a44a85C94338B78544C9F93A57F1</a></td></tr></tbody></table>


# APIs

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2F6pxvbBk4kZgfIJVsqEPa%2Fimage.png?alt=media&amp;token=0aaea761-2690-466d-be48-feb76e9b18f3" alt=""><figcaption></figcaption></figure>

Coming early 2025, Newmoney will enable the global developer community to build on top of our powerful AI engine.&#x20;


# Audit

The latest contract audit can be found [here](https://drive.google.com/file/d/1FLsBAHjne_6MHv6UncQN0-jRrorHGAeH/view?usp=sharing)


# Contact Us

Need help? Ask Newton, or reach out to our staff with questions or feedback!

[Join Discord](https://discord.gg/newmoneyai)

[Twitter](https://x.com/NewmoneyAI)&#x20;

[Support Ticket](https://newmoneyai.atlassian.net/servicedesk/customer/portal/1)


# Reaching Newton

Newton, your personal AI financial assistant, can be reached from anywhere, at any time! We support many of the most popular platforms and have outlined all of the ways in which you may contact Newton below.

<figure><img src="https://1594287178-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FYbu2GjEIeWDR5rYAqi2D%2Fuploads%2FxuD78sstBaZD4O3U9xlz%2Fimage.png?alt=media&amp;token=40a1967b-1056-4dd2-8d41-4d5636abe24f" alt=""><figcaption></figcaption></figure>

Telegram: [@NewMoneyAi\_Bot](https://t.me/NewMoneyAi_Bot)

Discord: [Newton | NewmoneyAI #3523](https://discord.com/oauth2/authorize?client_id=1306297452227330049)

Instagram: Coming Soon

WhatsApp: [Newmoney.AI](https://web.whatsapp.com/send/?phone=19787751665)

E-mail: <Newton@newmoney.ai>

And, of course, you can access Newton in the app!


# Brand Kit

You can find all of our brand assets linked below

**Icons**

[Color](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNM-Mark%26Type-Vertical-on-both-color.png?alt=media\&token=1eac5815-6702-4f41-89dd-9698ac3baf7d)

[Dark](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNM-Mark%26Type-Vertical-on-dark.png?alt=media\&token=b9369d25-506b-4026-976d-b51f7cfc23e0)

[Light](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNM-Mark%26Type-Vertical-on-light.png?alt=media\&token=a969f24d-64f4-4f97-8f09-b9e15b704637)

**Logos**

[Color](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNewMoney%20-%20Pro%20-%20Mono%20-%20Color.png?alt=media\&token=da5fa0c9-8d1d-4b5a-bd1a-1137c95edf6b)

[Dark](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNewMoney%20-%20Pro%20-%20Mono%20-%20Dark.png?alt=media\&token=98d2a216-97b3-4989-9ef5-91a7ba21ee44)

[Light](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNewMoney%20-%20Pro%20-%20Mono%20-%20Light.png?alt=media\&token=79176f12-2976-40d3-8047-ccd20bef55ea)

**Banners**

[Color](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNM-Mark%26Type-Horiz-on-both-color.png?alt=media\&token=f9b10358-3bc0-429a-9612-d3355a526ec2)

[Dark](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNM-Mark%26Type-Horiz-on-dark.png?alt=media\&token=7f247249-1213-4835-aa54-e963aa5796ea)

[Light](https://firebasestorage.googleapis.com/v0/b/new-finance-e41be.appspot.com/o/brandkit%2FNM-Mark%26Type-Horiz-on-light.png?alt=media\&token=e72036da-e6bd-49fc-936d-d3f5cf8d5563)