Products
Every MoneyBricks product is built around a defined outcome. The families below differ in how much they protect, how much upside they keep, and the market view they suit. Each is issued as a token with its full terms fixed at the moment you invest.
How to read the shapes
Capital-Protected
Keep your principal, share the upside
A capital-protected note returns a defined amount of your investment at maturity — often the full amount, sometimes a set percentage — while giving you a share of the underlying market’s gains up to a cap. If the market falls, your protected amount is what you get back. If it rises, you participate up to the cap.
▲Protection applies at maturity, not before — the value can move below your protected amount during the term. Selling early realises the current market price. Gains are capped.
Buffered
Absorb the first losses, keep more upside
A buffered note absorbs the first slice of any market decline — for example the first 10–30% — so a moderate drop costs you nothing. In exchange for a higher potential return than full protection, you keep more upside. If the market falls beyond the buffer, you take the loss below that threshold.
▲The buffer is not full protection. Past the buffer threshold you lose value one-for-one with the market. Applies at maturity.
Dual-Directional
Gain whether the market rises or falls modestly
A dual-directional note turns a modest move in either direction into a positive return. Within a defined band, a fall is mirrored into a gain and a rise participates up to a cap. Beyond the band, standard downside applies.
▲The mirrored gain only holds within the defined band. A large decline can still lead to a significant loss. A more complex payoff — read the term sheet carefully.
Trackers
Direct or amplified exposure, fixed at issuance
A tracker gives one-for-one exposure to an underlying. Leveraged variants amplify the upside beyond a set point. The entire risk profile is fixed when the token is issued — there are no margin calls, no liquidation, and no daily rebalancing decay.
▲A tracker follows the market down as well as up; leveraged variants carry full downside exposure and can lose most or all of the investment. No capital protection.
Yield
A defined return over a fixed term
Yield products aim for a defined return over a fixed period rather than market participation. This family includes zero-coupon notes that accrue to a known value at maturity, and cash-style vaults that earn a short-term rate on idle balances.
▲Returns depend on prevailing rates and the issuer meeting its obligations. Cash-vault rates float and are shown as estimates, not guarantees.
Backed by a money-market fund
Some protected notes can be built so your principal sits in a tokenised money-market fund — a portfolio of short-term government instruments — while the fund’s yield finances the market upside on top. You can see the backing fund and its rate before you invest. It’s the same protected outcome, with the collateral held in a recognisable, yield-bearing asset.
Explore before you invest
This documentation is for information only and is not investment advice, an offer, or a solicitation. Product availability, terms, and features vary by jurisdiction and eligibility and may change. Structured products carry risk, including the risk of loss; any protection or buffer applies at maturity and depends on the issuer meeting its obligations. MoneyBricks is currently operating on a public test network.