MoneyOnChainMicro-cap

Risk Score 37/100·DValue

$44MTVL·$7MFDV·StablecoinWebsite →

Moderate risk — long-running Bitcoin-collateralized stablecoin with proven dual-token design, balanced by custom oracle dependencies and limited ecosystem adoption on RSK.

Risk Breakdown

Top Risks

DoC is a USD stablecoin backed solely by Bitcoin collateral on RSK. During sharp BTC price declines, the system's collateral coverage can drop rapidly, and BPro holders who absorb volatility may face significant losses or choose to exit, reducing the buffer that protects DoC stability.

The protocol relies on its own decentralized oracle system (OMoC) for BTC/USD pricing. As a custom oracle with a smaller operator set than Chainlink, it may be more susceptible to manipulation or downtime, particularly during high-volatility periods when accurate pricing is most critical.

The protocol runs on RSK (Rootstock), a Bitcoin sidechain with merge-mining security. RSK has significantly less adoption and developer activity than Ethereum L2s, creating ecosystem risk and limiting DeFi composability for DoC and BPro tokens.

The dual-token model requires sufficient BPro demand to absorb BTC volatility for DoC holders. If BPro demand declines, the system's overcollateralization ratio drops, potentially threatening DoC's USD peg during market stress.

Frequently Asked Questions

Is MoneyOnChain safe to use?

MoneyOnChain receives a C+ risk grade (37/100) from Hindenrank, where lower scores indicate lower risk. Moderate risk — long-running Bitcoin-collateralized stablecoin with proven dual-token design, balanced by custom oracle dependencies and limited ecosystem adoption on RSK. MoneyOnChain is a Bitcoin-collateralized stablecoin protocol running on RSK (Rootstock), the Bitcoin sidechain. It issues DoC, a USD stablecoin backed by BTC, alongside BPro, a token that absorbs Bitcoin's volatility to maintain DoC's peg. With $39M TVL and operating since 2019, its B- grade reflects a proven dual-token design offset by custom oracle risk and limited RSK ecosystem adoption.

What are the main risks of using MoneyOnChain?

The key risks identified for MoneyOnChain are: (1) DoC's stability depends on sufficient demand for BPro tokens. If BPro holders exit during a sharp Bitcoin decline, the buffer that protects DoC's USD peg shrinks, potentially causing DoC to trade below $1. (2) The protocol uses its own custom oracle network (OMoC) for Bitcoin pricing rather than industry-standard solutions like Chainlink. A smaller oracle operator set may be more vulnerable to manipulation or downtime. (3) MoneyOnChain runs on RSK, a Bitcoin sidechain with relatively limited DeFi ecosystem compared to Ethereum L2s. This restricts the utility and composability of DoC and BPro tokens. (4) The dual-token model creates leveraged Bitcoin exposure for BPro holders. During extreme BTC drawdowns, BPro value can approach zero, eliminating the stability buffer.

What is MoneyOnChain's risk score breakdown?

MoneyOnChain scores 37/100 across eight risk dimensions: Mechanism Novelty: 3/15, Interaction Severity: 6/20, Oracle Surface: 5/10, Documentation Gaps: 2/10, Track Record: 5/15, Scale Exposure: 3/10, Regulatory Risk: 6/10, Vitality Risk: 7/10. The highest risk area is Vitality Risk at 7/10.

How does MoneyOnChain compare to other Stablecoin protocols?

Among 29 rated Stablecoin protocols on Hindenrank, MoneyOnChain ranks #9 by safety (lowest risk score = safest). Its 37/100 risk score and C+ grade place it among the safer Stablecoin protocols.

Has MoneyOnChain ever been hacked or exploited?

MoneyOnChain scores 5/15 on the Track Record risk dimension, indicating some history of security incidents or exploits. Higher scores reflect more severe or frequent incidents. Review the full risk report for details.

Last scanned 2026-02-26

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