MMoneyOS

The Operating System for
Programmable Money

The Institutional Framework Powering The Sovereign Digital Stack

About

MoneyOS provides the institutional framework powering the sovereign digital stack.

The sovereign digital stack integrates programmable money, digital assets, and the underlying infrastructure into a unified foundation for the onchain economy.

Inspired by the Bank for International Settlements' tradition of global monetary cooperation, MoneyOS carries that ethos into the era of programmable money.

As a not-for-profit organisation, our mission is to harmonize state policy, market utility, and institutional integrity into a unified programmable money ecosystem for sustainable growth.

01The Anchor

The State

Monetary sovereignty & legal certainty.

Issues CBDCs, regulates stablecoins and rails.

"The Foundation: Defining the boundaries and the law of the land."

02The Engine

The Market

24/7 liquidity & price discovery.

Automates exchange via smart contracts.

"The Activity: Where value is generated and exchanged."

03The Standard

The Institutions

Verification, Identity & Proof.

Authenticates the players and the assets.

"The Architecture: The systems of trust that enable the structure to stand."

01 / Convene

Forums

Private & Curated

Strategic convergence for public and private sector leaders to architect the onchain economy and the future of programmable money. This exclusive table provides the clarity and alignment necessary to translate systemic complexity and fragmentation into tangible, high-impact outcomes.

For market participants seeking a noise-free environment to navigate the shifting financial landscape with key stakeholders: contact us to host or join a curated forum.

Abstract visualization of programmable money flowing across a Swiss alpine cityscape

Next Edition

To be announced

A closed-door convening of policy makers, market leaders, and institutional architects of the sovereign digital stack.

Date
TBA
Location
Switzerland
Format
Closed-door
Status
By invitation

02 / Apply

Labs

Pilots to Production

Focusing on the three core pillars of a digital sovereign stack: Programmable Money, Digital Infrastructure, and Digital Assets. Labs translate conceptual pilots into robust governance frameworks - developed, stress-tested, and refined through real-world application to ensure systemic readiness.

For technology builders and infrastructure providers seeking real-world use cases at the state and institutional level: contact us to initiate a Lab.

01

Programmable Money

Optimizing programmable money standards and frameworks to enable applications at the institutional and state level.

CBDCsTokenised DepositsStablecoins

02

Digital Infrastructure

Building and architecting the institutional-grade rails powering the sovereign digital stack.

AIBlockchainCloud & Data

03

Digital Assets

Tokenizing real-world value to unlock the multi-trillion dollar onchain capital market.

Digital NativeReal-World Assets

03 / Partner

Membership

An Ecosystem Built on Partnership

MoneyOS is designed for the architects of the next-generation monetary stack to unify and strengthen a fragmented digital ecosystem at the institutional level. Membership is based on a model of selective participation and active contribution.

For the public sector seeking to harmonize innovation with regulation through direct industry participation, and the private sector focused on tangible value generation and long-term cooperation: contact us for membership details.

01Public Sector

The Sovereign Layer

Provides foundational legitimacy and legal framework, ensuring the onchain economy remains aligned with national interests and global standards.

  • States & Authorities

    Central banks, issuers of CBDCs, and regulators.

  • Global Alignment

    Intergovernmental bodies for cross-border coordination.

02Private Sector

Markets & Institutions

Operating the new financial rails and digital assets that markets and institutions deploy to power the onchain economy.

  • Markets EFFICIENCY

    Trading hubs (CEX/DEX), asset managers, and DeFi protocols.

  • Trust Infrastructure

    Custodians, protocol builders, and network verifiers.

Guiding Principle

"The soul of money belongs neither to the state nor to private enterprise. It rests on the trust that citizens place in the institutions that issue and govern it."

— Agustín Carstens, Former General Manager, Bank for International Settlements