Introduction

Moono Protocol is a decentralized lending protocol on Solana designed specifically for token launches on pump.fun.

Application

The protocol is deployed and available at:

• Main app — app.moono.me
• IPFS mirror — IPNS link

All releases are published to IPFS. If the main app is unavailable for any reason, you can always access the protocol through the IPFS mirror.

The Problem

Launching a token on pump.fun requires SOL for the initial liquidity — you need to fund the bonding curve with a buy. If you don’t have enough SOL on hand, you can’t launch. There’s also the risk of locking up your own capital in a volatile new token.

The Solution

Moono Protocol lets you borrow SOL to launch and seed your token on pump.fun, while liquidity providers earn interest by supplying the SOL that borrowers use.

For Borrowers

1. Create a reusable Launch Preset with your token metadata, supply, and decimals — or generate everything with the built-in AI generator
2. Optionally configure bundle wallets — protocol-controlled PDAs that distribute the initial buy across multiple wallets in the same launch
3. Choose how much SOL to borrow and for how long (current limits and exact fees: see Economics)
4. Moono creates your token on pump.fun, executes the initial buy, runs the bundle buys, and optionally lets you co-buy as part of the same atomic entry bundle. If the loan is large enough to cap the bonding curve, Moono also handles the migration to PumpSwap in the same flow.
5. The purchased tokens (initial buy + bundle holdings) serve as collateral for your loan
6. Repay the loan to recover your tokens, or self-liquidate to settle in SOL — liquidation surplus is split with LPs and the platform (see Earning Strategies)

For Liquidity Providers

1. Deposit SOL into the protocol’s liquidity pool
2. Choose a tick (risk tier) that determines the interest rate you earn
3. Lower ticks = lower interest rate, but your liquidity is used first (more utilization)
4. Higher ticks = higher interest rate, used only when lower ticks are depleted
5. Earnings come from two streams that both accrue via a cumulative-index model: per-tick interest paid upfront on every loan, and a share of liquidation surplus when borrowers self-liquidate profitably
6. Claim accrued earnings at any time, or roll them into a withdrawal/close

For Traders

A third product, MTrade, lets anyone trade pump.fun-launched tokens through Moono — no loan needed. One Address Lookup Table per token enables atomic buys/sells that route between pump.fun and PumpSwap automatically, so the same UI works before and after curve graduation. MTrade is a free convenience tool — the protocol charges no fees on top of the underlying venue.

Key Features

• Atomic entry bundle — borrowing, token creation, initial buy, optional cap-path migration to PumpSwap, bundle buys, and an optional user co-buy are orchestrated as one pre-flight-planned sequence
• Cap-path migration — a single loan can fund the entire bonding curve and migrate to PumpSwap automatically in the same flow; no separate “graduate the token” workflow
• Pre- and post-graduation routing — once a token’s curve completes, all Moono buys/sells (loan flow and MTrade) route to PumpSwap transparently using the same instructions and ALT
• Launch presets — reusable launch templates with custom mint, name, symbol, supply, decimals, metadata URI, and bundle wallet configuration
• Bundle wallets with warmup/drain lifecycle — protocol-derived PDAs initialised once per preset and reused across many loans; chunks of up to 20 wallets per tx
• AI-assisted metadata — generate token name, symbol, description, and image with one click; upload images to IPFS directly from the app
• Tiered liquidity — 1,024 risk tiers allow LPs to choose their risk/reward profile
• Cumulative-index LP earnings — both interest and liquidation surplus accrue precisely per share, claimable independently from withdrawal
• 3-way liquidation surplus split — LP / platform / borrower shares snapshotted on the loan at launch time; see Economics for current mainnet values
• MTrade universal terminal — free, ALT-per-token trading UI that handles pump.fun ↔ PumpSwap routing on-chain
• On-chain audit trail — every loan carries snapshot fields for fees paid, LP interest paid, and per-tick liquidation distribution
• Jito bundle support — opt-in Jito submission for higher landing rate on launches and user buys
• Non-custodial — the protocol is a Solana program; no one can access your funds except through the program logic

Supported Platforms

Moono Protocol is designed to support multiple launch platforms. The first integrated platform is:

• pump.fun — the leading memecoin launchpad on Solana, with automatic routing to PumpSwap post-graduation

More platforms will be added in the future. The protocol architecture natively supports multiple launch platforms and quote assets — each platform gets its own launch configuration with independent parameters and a paused flag for granular control. The current mainnet deployment is configured for pump.fun with WSOL (wrapped SOL) as the quote asset.