Motivation Money

Motivation Money is the financial operations platform for lean, global teams paying in stablecoins. It manages the full money lifecycle — pay-out (payroll, reimbursements, vendor payments) and pay-in (client invoicing) — through a privacy-preserving pipeline: Safe multi-sig custody → exchange-routed distribution → recipient wallets. Full audit trail, employee self-service, and agent-native APIs.

Best For

AI-native teams operating globally with lean headcount and diverse contributor types.

Motivation Money is purpose-built for organizations that:

• Pay globally — team members, contractors, and vendors anywhere with a wallet address. No bank accounts, no SWIFT, no FX fees.
• Run lean — small teams (under 30 members) where one or two operators manage all financial operations. Three clicks to run payroll, not three spreadsheets.
• Mix employment types — FTE, Contractor, Advisor, Ambassador, Intern — all in one org with per-type payroll filtering, permissions, and email templates.
• Operate multiple entities — separate legal entities for different business lines or jurisdictions, each with independent branding, representative, and compliance identity.
• Build with agents — REST API, CLI, MCP server, and webhooks so AI agents can create payroll runs, send invoices, and manage team members with human approval gates.

Use Cases

Payroll & Reimbursement

The problem: Your team spans 5 countries. Some are FTE, some are contractors, some are advisors paid quarterly. Each has a different stablecoin preference and network. You need pro-rata calculations for mid-month joiners and evidence-backed expense reimbursements.

How it works: Create a payroll run filtered by employment type — select FTE only, or all types at once. The system pre-fills salaries, lets you apply per-employee adjustments or pro-rata calculations, and routes everything through the CEX pipeline. Reimbursements flow through the same pipeline with required evidence file attachments.

• Recurring payroll with per-type filtering (FTE, Contractor, Advisor, custom)
• Per-employee salary adjustments and pro-rata calculator
• Reimbursements with evidence attachments and citable links
• Ad-hoc payments for bonuses and one-off settlements

Vendor Pay

The problem: You work with a design agency, a legal firm, and three freelance auditors. They are not on your team — they should not see your org data. But they need to get paid reliably, and you need an audit trail.

How it works: Add vendors as lightweight records — Individual or Company. Each goes through a 3-step verification (email, exchange whitelist, micro-deposit). They get a self-service portal to track onboarding status and payment history. Create one-off payouts with memos and file attachments. Separate permission controls mean your accountant can view vendors without managing them.

• Individual or Company vendor types with wallet preferences
• 3-step verification: email → whitelist → micro-deposit
• Self-service vendor portal (onboarding status, payout history, change log)
• File attachments (contracts, NDAs) with version history
• Permission-controlled: canViewVendors, canManageVendors, canCreateVendorPayouts

Client Invoicing (Pay-In)

The problem: Your clients pay you in stablecoins, but managing receiving addresses, tracking payments, and chasing overdue invoices is manual. You want each client to have a private payment address and automatic payment detection.

How it works: Create invoices with line items, due dates, and payment terms. Each client gets a unique HD-derived payment address — on-chain observers cannot link your clients to each other. Send the invoice via email; the client sees a public payment page with QR code and live status. The system detects payment on-chain every 5 minutes, marks the invoice paid, and sweeps funds to your treasury. Recurring invoices auto-generate on schedule.

• Client management (Person or Business) with unique HD-derived addresses
• Invoice creation with line items, agreement attachments, payment terms
• Public payment page with QR code and live status polling
• On-chain payment detection (every 5 min) and auto-sweep to Safe
• Recurring invoices for retainer clients
• Accelerating reminder emails (-7, -3, -1, 0, +1, +3, +7 days)

Community Management

The problem: Your DAO or protocol has FTE core contributors, part-time contractors, quarterly advisors, and a growing ambassador program. Each group has different compensation schedules, visibility requirements, and approval workflows. One operator manages ambassadors; another manages engineering payroll. They should not see each other's data.

How it works: Create custom employment types (Ambassador, Intern, Council Member — anything). Assign a Custom operator role with employment-type scoping — they see and manage only their permitted types. Payroll runs can be filtered by type, so the community lead runs ambassador payroll independently from the CFO running engineering payroll. Daily spending caps and cross-confirmation gates add safety.

• Custom employment types created in Settings (Ambassador, Intern, etc.)
• Employment-type scoping on operator permissions (salary, wallet, audit, payouts)
• Per-type payroll filtering and independent run creation
• Custom operator roles with 15 granular permission toggles
• Daily spending caps with cross-confirmation gating

Multi-Entity Operations

The problem: Your company operates through multiple legal entities — "Acme Corp USA" for US employees, "Acme Singapore Pte Ltd" for APAC contractors, "Acme Labs" for the research team. Each entity has its own branding, representative, and compliance requirements. But it is one team, one treasury, one operator group.

How it works: Create multiple legal entities in Settings, each with its own name, jurisdiction, address, logo, representative name/title, and signature image. Assign employees to entities — their statements, email templates, and payout documents reflect the correct entity branding. One-click import copies entity branding to the org level. All entities share the same Safe treasury and CEX account.

• Multiple legal entities per org with independent branding
• Per-entity logo, representative name/title, signature image, jurisdiction
• Employee entity assignment reflected in statements and email templates
• One-click branding import from entity to org level
• Single treasury, single operator team — compliance without fragmentation

How It Works

The platform uses a two-stage treasury model:

1. On-chain self-custody. Your funds stay in a Gnosis Safe multi-sig wallet. Your keys, your money. Multi-sig approval for every transfer.
2. CEX-routed distribution. Funds move from Safe to your exchange account, then the exchange sends individual withdrawals to each recipient's wallet.

┌─────────────┐     ┌─────────────┐     ┌─────────────────┐
│  Safe Wallet │────▶│  CEX Account │────▶│ Employee Wallets │
│  (Treasury)  │     │  (OKX, etc.) │     │  (Individual)    │
└─────────────┘     └─────────────┘     └─────────────────┘
       ▲
       │  (Auto-sweep)
┌─────────────────────────┐
│  HD-Derived Wallets      │ ◀── Client payments
│  (Per-client addresses)  │
└─────────────────────────┘

Pay-out: Safe → CEX → Recipient wallets (privacy-preserving)

Pay-in: Client → HD wallet → Auto-sweep to Safe treasury

This gives you:

• Privacy. Recipients receive funds from the exchange, not your company wallet. On-chain observers cannot reconstruct your payroll.
• Compliance. Every step is logged: Safe proposal, deposit confirmation, withdrawal initiation, on-chain delivery.

Platform Features

Treasury & Custody — Self-Custody + CEX Routing

• Gnosis Safe multi-sig — self-custody treasury. Every transfer requires multi-sig approval.
• Signer management — map Safe owners to team operators, notify signers via email, designate an agent proposer
• Streamlined Safe ↔ CEX transfers — auto-calculate deficit, create proposals, track signing progress in real-time
• Balance dashboard — real-time USDT/USDC balances across funding, trading, and earn accounts
• Transfer safety gates — triple-source address verification, signer acknowledgment, on-chain simulation

Full Employment Lifecycle — Onboarding to Offboarding

Every stage is designed with human touch — clear communication, no surprises, graceful transitions:

• Invitation — email invite with branded messaging, domain verification, batch CSV import
• Onboarding — guided wallet setup with 4-state verification flow, test run for first-time organizations
• Active management — salary adjustments, employment type changes, entity assignment, profile edit notifications for both parties
• Offboarding — set last day, advance notification, backup email prompt, auto-archive at 23:59 org timezone
• Post-employment — read-only grace period, backup email routing, statement downloads, configurable retention

Security, Privacy & Compliance

Built from the ground up to protect financial data:

• Multi-sig self-custody — funds stay in your Gnosis Safe. We propose transactions; your signers approve. We cannot move funds unilaterally.
• Full encryption — CEX API keys encrypted at rest (AES-256-GCM, envelope encryption). HD wallet seeds encrypted with dedicated data encryption keys. Decrypted only at the instant of execution, then cleared from memory.
• On-chain privacy — CEX-routed payments mean recipients receive funds from the exchange, not your company wallet. On-chain observers cannot reconstruct your payroll.
• GDPR-aligned — aggregate data collection is opt-in at signup, changeable anytime. No wallet addresses or transaction hashes in analytics. Employee data retention is configurable with manual review before deletion.
• Passwordless auth — email + OTP sign-in. No passwords to leak, no credentials to phish.
• Full audit trail — every action logged with actor, timestamp, and metadata. CSV export. Employee-scoped view shows only their own events.
• 6 email privacy toggles — control what appears in payout notifications (recipient, tx hash, amount in subject, masked addresses, full wallet, payout link)

Developer & Agent Tools

Three interfaces, same operations:

• Dashboard — visual workflow for operators
• REST API — 25+ endpoints with OpenAPI spec
• CLI (mp) — terminal workflows and automation

Plus:

• MCP Server — Claude-native agent interface with 35+ tools
• Webhooks — real-time event notifications
• Scoped API keys — permission-derived, with presets (Read Only, Operator, Full Automation)

Exchanges Supported

Per-organization selection. Switch exchanges without data migration.

Quick Links

• Getting Started — sign up, connect treasury, run first payroll
• For Operators — dashboard, team, payouts, audit, settings
• For Employees — payouts, account, wallet, offboarding
• Vendors — external service providers and payment agents
• Team Lifecycle — onboarding, active management, offboarding
• Wallet Setup — step-by-step verification guide
• CEX Setup — exchange-specific walkthroughs
• API Reference — REST endpoints with examples
• CLI Reference — mp command documentation
• AI Agents — agent workflows and tool schemas
• Claude Code — natural language payroll operations
• Pricing — plans and current promotions
• Data Privacy — encryption, CEX security, compliance
• Troubleshooting — common issues and fixes
• Changelog — release history