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Money On Chain Review 2026: Bitcoin-Backed DOC Stablecoin

Money On Chain is a Bitcoin-collateralized DeFi protocol on Rootstock, issuing the DOC stablecoin, the BPRO leveraged BTC token and the MOC governance token. Its main appeal is a bank-free dollar peg, and its main caveat is that stability depends on BPRO holders absorbing volatility.

By the DappsAtlas editorial team · Updated Nov 4, 2026

DappsAtlas score

7.0/10

Good

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Our verdict on MoneyOnChain

7.0/10

Money On Chain suits Bitcoin holders who want a dollar-pegged asset or leveraged BTC exposure on Rootstock without relying on bank reserves. Its main strength is a long track record since 2019 and a clear risk-sharing design with listed audits. The main caveat is that stability depends on BPRO holders absorbing bitcoin's volatility, and the ecosystem is small compared with Ethereum. Read the documentation and security pages first.

Score breakdown

How MoneyOnChain scores

Security: 7.0/10
Ease of use: 6.5/10
Fees: n/a
Features: 7.0/10

Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.

What is MoneyOnChain?

Money On Chain is a Bitcoin-focused DeFi protocol that has been live since 2019. It runs on Rootstock (RSK) and offers three tokens: DOC, a dollar-pegged stablecoin; BPRO, a leveraged bitcoin token; and MOC, a governance and staking token.

The pitch is that stability can come from bitcoin rather than banks, bonds or fiat reserves. The homepage describes the protocol as 100% bitcoin-backed and self-sovereign, so users keep control of their private keys.

DefiLlama lists it as a Dual-Token Stablecoin protocol with about 21 million US dollars in TVL, a 4.3% drop over seven days, and two audits. It is a niche but long-running project, mostly relevant to Bitcoin holders who want to stay in the Bitcoin ecosystem.

How MoneyOnChain works

Money On Chain splits risk between two tokens. DOC is the stable side: it aims to stay at 1 US dollar while its backing is held in bitcoin. BPRO is the volatile side: holders provide the bitcoin collateral and take on the price swings of BTC, which gives them leveraged exposure.

Because BPRO holders absorb the volatility, users who mint DOC do not have to supply separate collateral themselves. The project says the protocol is designed to avoid liquidations, even through sharp market moves. This is the typical dual-token stablecoin model, where one token takes the risk so the other can stay stable.

MOC is the third token and is used for governance and staking. Oracle nodes, called OMOC, provide the data feeds the protocol relies on, and operators earn MOC for running them. The whole system runs on Rootstock, a Bitcoin-linked smart contract network.

7 features

Key features

Bitcoin-backed DOC stablecoin

DOC is a dollar-pegged token backed by bitcoin rather than bank reserves. The project says users can swap between DOC and bitcoin.

BPRO leveraged exposure

BPRO gives bitcoin holders leveraged BTC exposure without borrowing. Holders also earn rewards through the protocol.

MOC governance and staking

MOC can be staked to take part in governance decisions. It is the protocol's own token.

Risk-sharing model

BPRO holders provide collateral and absorb volatility, while DOC minters get a stable dollar. The design aims to avoid liquidations.

On-chain transparency

Users can see the assets backing the system and review performance through the protocol's public pages.

OMOC oracle operators

Community members can run an OMOC oracle node and earn MOC for supplying infrastructure.

Long operating history

The protocol says it has been live since 2019, and DefiLlama lists two audits.

Pros and cons

What we like

Live since 2019, which gives it a longer track record than many DeFi protocols.
Stablecoin backing is held in bitcoin, with no bank deposits or fiat reserves.
Designed to avoid liquidations for DOC minters, even through sharp market moves.
Users keep control of their private keys, according to the project.
Two audits are listed on DefiLlama, and the site has dedicated security and performance pages.
Offers distinct roles: stable dollar (DOC), leveraged BTC (BPRO), and governance (MOC).

Watch out for

Liquidity is concentrated on Rootstock, a smaller ecosystem than Ethereum, so the protocol has fewer integrations and exit routes.
BPRO holders absorb Bitcoin's volatility, so the leveraged side can lose value quickly in sharp drawdowns.
Public sources list only two audits and give no dates, auditor names or findings, so readers must check the security pages themselves.
The peg relies on the collateral buffer provided by BPRO holders; a deep and fast BTC fall is a stress scenario for the design.
Fee levels are not stated publicly, so users cannot compare costs before reading the documentation.
TVL fell 4.3% over seven days in the data, and the protocol's scale is modest compared with the largest stablecoin systems.

MoneyOnChain fees

Fee levels for minting, redeeming or swapping DOC, BPRO and MOC are not stated. The protocol's documentation and the DApp itself are the places where users would see current fees before confirming a transaction.

Users should also expect to pay network gas on Rootstock for each transaction. That cost is set by the network, not by Money On Chain.

Is MoneyOnChain safe?

DefiLlama lists two audits for the protocol, and the homepage links to a security section that mentions independent review, open research and public incident reporting. The project does not name the auditors or give findings, so readers should check those reports directly.

The usual DeFi risks apply: smart-contract bugs, oracle failures, a loss of the DOC peg and sharp BTC price drops that stress BPRO holders. The protocol is non-custodial according to its description, meaning users hold their own keys, but that also means mistakes are not reversible. Regulatory status is not described publicly. This is not financial advice.

6 steps

How to get started with MoneyOnChain

1
Read the documentation and FAQs on the project's website to understand the difference between DOC, BPRO and MOC.
2
Set up a wallet that supports the Rootstock network and keep your private keys secure.
3
Get RBTC for network fees and for use in the protocol.
4
Open the DApp from the official website and review the fees shown before any transaction.
5
Decide whether you want stability (DOC), leveraged BTC exposure (BPRO) or governance (MOC), and start with a small amount.
6
Check the protocol performance and security pages regularly after you have a position.

Open MoneyOnChain

Who MoneyOnChain is for

This protocol is for Bitcoin holders who want to stay inside a Bitcoin-linked ecosystem while using a stablecoin, leveraged BTC exposure or governance. It is less suited to users who need deep multi-chain liquidity or a wide set of integrations, and it requires comfort with self-custody and DeFi risk.

MoneyOnChain FAQs

What is DOC on Money On Chain?

DOC is Dollar On Chain, a stablecoin that tracks 1 US dollar while its backing is held in bitcoin. The project says it uses no bank deposits or fiat reserves. It runs on the Rootstock network.

What is BPRO?

BPRO is the token for holders who want bitcoin exposure with built-in leverage. BPRO holders supply the collateral and absorb Bitcoin's price swings, which is what keeps DOC stable. The homepage describes it as 'HODL + earn'.

What does the MOC token do?

MOC is the governance and staking token. Holders can stake it and take part in decisions about the protocol's direction. The data also shows MOC as the protocol's token on DefiLlama.

Does Money On Chain liquidate users?

Money On Chain says the protocol is designed to avoid liquidations, even through sharp market moves, and that DOC minters do not supply separate collateral. Instead, BPRO holders provide the collateral buffer. That reduces one risk but does not remove market or smart-contract risk.

Which blockchain does it use?

DefiLlama lists the protocol on Rootstock (RSK) only. Users need a compatible wallet and RBTC for network use. The homepage says the protocol has been live since 2019.

Is Money On Chain safe?

DefiLlama shows about 21 million US dollars in TVL and two audits listed. That is a sign of an established protocol, but it is not a guarantee of safety. Anyone using it should read the security documentation and only commit what they can afford to lose.

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