Momentum
A Smarter Loan

Momentum is a loan with a savings account attached. Cash is set aside in the form of a dividend paying token that can be redeemed for dollars at any time, or used to drastically reduce Client loan fees, or allowed to grow into meaningful returns.

Get Cash Investors

Cycle Ends
15 Days

584

MO Outstanding

$7200

Lock Box Funds

$12.33

Quarterly Dividend/MO

Gather Momentum 

Clients can hold or convert MO Tokens into cash

Let’s face it, many of our clients are earning less than 30K a year, and in this inflation driven economy most are struggling paycheck to paycheck. Momentum helps cash challenged people break the rollover cycle created from traditional payday loans by utilizing a savings solution that rewards their diligent and repeated participation. So instead of loaning our clients $250 cash, we loan our clients $260 cash, and use the additional $10 to acquire a dividend paying MO Token that is placed into a secure Strong Box with the Clients name and digital wallet attached. Upon a successful repayment of the Momentum Loan, the MO Token is released into the Clients digital wallet for immediate benefit and use. The newly acquired MO Token can be instantly converted to cash ($10), or used towards the fee of a subsequent loan (a 25% discount), held for a quarterly dividend, or kept for long term future gains while accumulating more MO Tokens and receiving even larger dividends.

Get Cash
Mobirise

How Momentum Works

The entire program is funded from a $40 fee on all $300 Momentum Loans, (ML). The total Momentum Loan is composed of $250 cash + $40 fee + $10 MO = $300. Each ML has a 90 day dividend paying cycle, meaning every 90 days a cash deposit is made into the digital wallet for all Clients holding MO at that time. Deposits are based on a 90 day holding period per MO. So, if a Client held their MO for only 45 days in that cycle, then their deposit would be 45/90 or half of the dividend amount. The MO algorithm divides the proceeds from the $40 fee paid by all Clients during the 90 day cycle, between the Company, and a Shared Lock Box. So the total Shared Lock Box amount, divided by the number of outstanding MO held at the end of the 90 day cycle, is the dividend amount. Very simple. So for clarity, the $10 for every MO acquired from the Momentum Loan is placed into a Strong Box, and that money is never disbursed unless a Client redeems their MO tokens to cash by selling their MO back to the Company. Secondly, every day a cash deposit is made into the Shared Lock Box, adding to the total, and those funds accumulate for a 90 day period, at which time a dividend is issued, and cash is deposited into the Clients digital wallet according to the number of MO each Client is holding. Again, very simple.

6 Steps To Success

Signup For
Momentum

Get $250
Cash

Client Pays
Loan Back

MO Transfers
To Wallet

Hold MO Token

Receive
Dividends

What is a Momentum Loan

A Momentum Loan is a self-executing Smart Contract program that automates the actions required in a blockchain transaction. It is code. So once a Momentum Loan has been initiated by the Client, and when the right conditions are either met or defaulted, the contract code executes the actions as required. The transfer of MO to the Client's digital wallet, or the deposit of the 90 day dividend, are examples of the type of actions executed. Once completed, the transactions are not only  trackable and irreversible, but operate without any manipulation or interference by an outside agency. 

Get Cash White Paper
Mobirise

The Triggering Event

Each Smart Contract is uniquely numbered and composed of a multitude of Clients taking out Momentum Loans from the $250K kitty of available loan funds, and 1800 available MO. These are the limits of each Smart Contract and are written in code and cannot be changed. During the lifetime of the Smart Contract, some Clients will renew several loans over a 90 day cycle, while some may just take out one, so the total number of Clients in the Smart Contract system will vary as to whom is active or not. Some will hold on to their MO for a while, or long term, while others will cash them out. This interplay fluctuates the total available MO in the Smart Contract system, and limits the number of Clients that can take out a loan for that two week period. This fact consequently effects the total revenue stream of Fees the Company can take in, and divide for dividends. For example, if 500 clients are each holding 2 MO, then there are only 800 available MO, meaning only 800 Momentum Loans could be made for that two week period. So 800 X 40 = $32,000 in total Fees for that cycle. More importantly, the Smart Contract would reach it's limit and the system would break as there would be no more MO available to make another loan, even though there would be plenty of funds. If more MO were made available, then the resulting dividend per MO would continue to fall in value to the point that it was not much of an incentive to hold. To correct this condition, and keep the dividend value incentivized, the Smart Contract has a Triggering Event that forces an immediate dividend to be paid to all MO holders, and all Outstanding MO to be automatically cash out from the Strong Box. To be clear, if a Client was holding 2 MO at the time of the Triggering Event and the dividend was calculated to be $7.00/MO then they would receive $14.00 in dividend and $20 for the MO, for a total of $34.00, at which time the Client would now have zero MO in their wallet. That particular Smart Contract can now continue on with 1800 MO available again, and zero dollars in the Strong Box, and the $250K loan fund. The Company would of course receive their share of the Fee money as determined by the Momentum algorithm. 

Momentum : MO
An ERC-20 Dividend Token Offering

September 2024

Investor Prospectus

Advisors

Faces of Momentum

Crist R Andritsis
Smart Guy

Da Big Cheese

Sarah Palmer
Special Forces

The Flower In The Garden

Adam Swift
Legal Eagle

Brainyac

© Copyright 2025 Momentum          Momentum@mo.cash       888.4mocash