
Moony is a digital currency designed to function as a new monetary standard, offering instant peer-to-peer payments with zero transaction fees. It is intended for global use, enabling individuals to send and receive money anywhere and at any time without intermediaries or the need for approval. The platform supports over 150 currency denominations and is accessible through Flipcash, where users can buy Moony using payment methods such as Apple Pay and Google Pay.
The Moony Reserve underpins the currency’s value, operating as an immutable smart contract that autonomously manages the circulation of Moony. All Moony in circulation is backed by verifiable capital held in the Reserve, and users may deposit capital to receive Moony or redeem it in exchange for reserve assets. The price of Moony is governed by an onchain pricing curve within the Reserve smart contract, increasing as supply enters circulation and decreasing as it is returned. S. dollar collateral held in segregated custody.
Moony is positioned as a foundational digital asset for decentralized finance (DeFi), supporting 24/7 global capital formation, trading, liquidity provision, and activities such as lending, borrowing, or collateralizing on open protocols. The system is open and permissionless, allowing anyone to buy or sell Moony at any time. Its fixed supply of 21 million units distinguishes it from traditional fiat currencies by preventing inflation through permanent supply limitation.
The platform is built to facilitate a range of use cases, including micropayments, pay-per-use monetization, streaming payments, and agentic AI commerce, making it suitable for daily transactions as well as emerging digital economies across independent platforms, applications, and games. Moony’s infrastructure is governed by code rather than institutions, aiming to provide open, durable, and accessible money for everyone, everywhere.
In the Personal finance & budgeting space, Moony takes a focused approach. It focuses on sending and receiving money instantly without transaction fees. It is built as a consumer product for consumers seeking digital payment solutions. It runs on the web, iOS, Android, and macOS.
Behind Moony is Flipcash Inc., based in the United States, and the product first shipped in 2026. Key capabilities include peer-to-peer payments, multi-currency support, and zero-fee transfers.
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