WHITEPAPER – APRIL 2025
Mundi Token (MD) is at the heart of Mundi, a next-generation global fintech platform built on a completely new, blockchain-powered stack. Mundi seeks to unify the potential of Web3 technology with the usability of mainstream finance—much like smartphones once converged various functionalities into a single device. By offering multi-currency stablecoin wallets, global remittance, merchant solutions, and yield opportunities, Mundi aims to make borderless financial services accessible and efficient for everyone.
MD plays a critical role within the Mundi ecosystem. It provides fee discounts, loyalty rewards, and premium feature access, all while adhering to MiCA guidelines within the European Union and maintaining high standards globally. With a multi-chain deployment strategy (Solana and Polygon), MD is designed for speed, scalability, and broad compatibility—facilitating Web3 mass adoption.
Mundi's vision is to bridge Web3 innovation and mass-market usability, empowering users to transact internationally with lower costs, faster settlements, and fewer intermediaries. Our mission is to offer a seamless financial experience—powered by blockchain—that's as straightforward for end users as any modern fintech app.
Mundi combines stablecoin-based payments with an intuitive user interface, delivering services such as:
By separating stablecoins (for day-to-day transactional stability) from MD (for ecosystem rewards), Mundi ensures both reliable payment rails and a vibrant incentive structure.
Global employment has transformed significantly, beginning with remote IT workers two decades ago and increasingly moving toward fully online businesses—like influencers, marketplace sellers, and content creators. Many of these new-economy professionals struggle to secure traditional banking services, such as lending or credit lines, due to fragmented or outdated financial criteria. This gap will only widen as AI reshapes the labor market, making independent business ownership the norm.
Mundi is designed to bridge this disconnect, offering digital-first financial tools—on-chain payments, cross-border remittances, merchant services—that cater to the next wave of globally distributed freelancers, online entrepreneurs, and small businesses. In the long term, on-chain data and transparent transaction history will also lay the groundwork for lending facilities and more sophisticated financial products—aligning with the emerging reality of an increasingly decentralized, digital economy.
The MD token is fundamentally utility-driven. Its main functions include:
Holding or locking MD provides tiered discounts on:
Higher stakes of MD unlock deeper fee reductions, incentivizing ongoing engagement.
Certain premium features (advanced treasury tools, higher transaction limits, priority support) require users to maintain a specific MD balance, ensuring that the most active participants access top-tier services.
Merchants opting to use MD for settlement can benefit from:
MD has a fixed supply of 1,000,000,000 tokens. The initial allocation framework:
| Allocation | % of Total Supply | Amount | Purpose |
|---|---|---|---|
| Ecosystem Growth & Rewards | 30% | 300,000,000 | Loyalty, referrals, merchant incentives |
| Team & Advisors | 20% | 200,000,000 | Vested distribution ensuring alignment |
| Treasury & Development | 20% | 200,000,000 | Technical expansion, partnerships, reserves |
| Public Sale | 15% | 150,000,000 | Early supporters via token generation event |
| Liquidity Provision | 10% | 100,000,000 | Market liquidity (DEX, CEX) |
| Strategic Partnerships | 3% | 30,000,000 | Collaboration-driven integrations |
| Community Airdrops | 2% | 20,000,000 | Promotional campaigns, user onboarding |
After Q4 2025, development continues with advanced treasury features, additional chain integrations, and scaling up user adoption in new global markets.
This whitepaper is informational in nature and does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any securities or financial instruments. MD is intended solely as a utility token within the Mundi ecosystem, with its usage, value, and status contingent upon market adoption and relevant regulations. Prospective participants should conduct due diligence and consider their individual circumstances. Mundi remains committed to maintaining MiCA compliance and adhering to prevailing global regulatory requirements.
By aggregating the diverse innovations of Web3 into a single, user-friendly application, Mundi aims to serve freelancers, remote workers, SMEs, content creators, and global businesses alike. As AI and online marketplaces reshape how people earn and transact, MD and the Mundi platform strive to provide the lending, banking, and financial services necessary for this evolving digital economy—making Web3 adoption both frictionless and globally impactful.