Problem & Solution
❌ The Problem
1. People Prefer Saving Over High-Risk Investing (Global Reality)
Globally, the majority of people prefer saving and low-risk financial instruments over high-risk investments.
Multiple international studies show that:
Most households prioritize liquidity, safety, and predictability over high returns
Savings accounts and cash remain the most widely used financial tools worldwide
High-risk assets (stocks speculation, crypto trading) are avoided by the majority of the population
However, traditional savings:
Produce near-zero real returns
Lose value to inflation
Do not reward long-term consistency
This creates a massive gap: People want to save safely — but their money is not working for them.
Money Race is built exactly for this gap.
2. Lack of Savings Discipline
~70% of people struggle to maintain consistent savings habits.
Traditional savings methods offer:
No accountability
No motivation
No consequences for missing deposits
People start with good intentions but quickly lose momentum.
3. No Social Support
Saving money is typically a solitary activity.
Without:
Peer accountability
Shared goals
Social pressure
People quit silently.
4. Boring Experience
Traditional savings products are:
Passive
Static
Emotionless
No progress feedback, no excitement, no sense of achievement.
5. Information Overload & Risk Aversion
Despite thousands of investment options:
Most users do not want to actively trade
Many suffer from analysis paralysis
Risk tolerance is often overestimated by DeFi products
Result: Users either do nothing — or take risks they don't fully understand.
6. Trust Issues in DeFi
Many DeFi savings protocols are:
Too complex for beginners
Hard to explain to non-crypto users
Lacking social proof
Exposed to smart contract risk without guardrails
This creates fear, not confidence.
✅ Our Solution
Money Race: Gamified Group Savings
Money Race is not a high-risk investment product. It is a savings-first protocol with yield as a bonus, not the core promise.
Preference for safety
Savings-first design
Lack of discipline
Gamified weekly commitments
No social support
Group savings rooms
Boring experience
Racing mechanics & leaderboards
Information overload
AI strategy abstraction
Trust issues
Transparent smart contracts on Sui
How We Solve It
🎯 Proportional Rewards (No Principal Risk)
When you join a room, you commit to regular deposits.
Your yield share is proportional to consistency, not speculation:
Deposit 5 / 5 weeks → 100% of your yield share
Deposit 3 / 5 weeks → 60% of your yield share
Important:
Your principal is never slashed
Missed deposits only reduce yield, not capital
This aligns with real-world saver psychology.
👥 Group Savings Advantage
Saving together is mathematically superior to saving alone.
Example: Alice saves 500 USDC over 5 weeks.
Solo
500 USDC
4.2 USDC
4.2 USDC
+0.84%
With Friends
1100 USDC
10 USDC
4.5 USDC
+0.91% ✅
Why this works
Larger vaults access better DeFi yields
Yield scales faster than individual deposits
Social discipline increases consistency
You earn more, with less stress.
🤖 AI Strategy Assistant
Users do not want to choose protocols.
Our AI:
Assesses risk tolerance
Matches strategy (Conservative / Balanced / Aggressive)
Automatically routes funds to suitable Sui lending protocols
No research. No guesswork.
🏆 Yield Distribution
At the end of each room:
100% principal returned
Yield distributed by consistency
No zero-sum losses
Funds deployed to real Sui DeFi protocols (Scallop, Navi, Cetus, etc.)
Fully transparent and gasless
The Result
Before Money Race: "I should start saving… someday."
After Money Race: "I can't miss my deposit — I'm 2nd on the leaderboard."
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