# Welcome to Mamo

### Your personal finance companion. A short guide to what Mamo is, who it is for, and how to start. *** Mamo helps you track, grow, and understand your money, without the noise, the jargon, or the complexity. Mamo is here for people who want their money working smarter, not harder. People who believe building wealth should not require becoming a financial expert first. You already have enough on your plate. That is why Mamo handles the heavy lifting in the background, allocating your money across trusted platforms to capture good available returns, while keeping you in full control at all times. *** ### What Mamo is Mamo is a finance companion, not a finance tool. Most financial tools demand constant attention. They expect you to make every decision, track every market movement, and somehow become an expert in the process. Mamo takes a different approach: a companion that works alongside you. Mamo is the friend in the room who happens to know about money and explains things plainly when you ask. Through smart, human-first routines that help your money grow steadily, Mamo keeps you in control without the overwhelming complexity. *** ### Who Mamo is for Mamo is built for the many, not the few. If you have ever felt like personal finance was designed for someone else, with their own vocabulary, their own time, their own appetite for risk, this is for you. Mamo is for: * People who want their money to grow steadily without it becoming a second job * People who care about understanding what is happening, not just trusting a black box * People who prefer quiet, calm progress over flashy bets * People who believe wealth should compound for everyone, not only those who already speak the language You do not need a finance background or a strong opinion on the market. You only need to want a calmer relationship with your money. *** ### How Mamo works Mamo works in three quiet steps. #### 1. Connect your money Connect once. Mamo brings everything into one calm view, written in plain language, so you can see your money clearly without opening seven different apps. #### 2. Set a small habit Decide an amount you want to put aside on payday. Even five dollars to start is enough. Mamo automates the rest, moving money quietly into the right place at the right time. #### 3. Let it grow in the background Behind the scenes, Mamo allocates that money across trusted platforms to capture good available returns. We explain what is happening in language anyone can read, so you always know where your money is and why. *You can add, pause, or withdraw at any time, on your own terms.* *** ### What Mamo does for you #### Calm, steady progress Thoughtful, risk-aware strategies designed for the long run. Mamo is not chasing the next big thing. It is helping you build the kind of growth that compounds quietly over time. #### Plain language, always Every move, every change, every recommendation is written so anyone can read it. You learn as you earn, without anyone speaking over your head. #### You stay in control Add, pause, or withdraw at any time, on your own terms. The rules stay simple, and you can always see where your money is and why it is there. #### It works alongside your life Mamo runs quietly in the background. You do not have to check it every day or worry about timing the market. You can focus on your life and let the system do the heavy lifting. *** ### Why Mamo? Mamo is here because the existing financial world is not built for the way most people actually live. It demands attention you do not have. It speaks in a language that is not yours. It rewards confidence you have not been given a chance to build. The result is that millions of people are quietly anxious about money, and the only people who feel calm are the ones who already had a head start. With Mamo, we think that is solvable. Smart growth should be accessible to everyone. Compounding should not be a privilege. Wealth-building should not be a personality trait. Mamo is our attempt at a different version. Built for the many, not the few. For anyone who wants to build wealth one habit at a time, without turning it into another job. It is not about chasing the next big thing. It is about steady wins, consistent habits, and the slow magic of compounding for everyone. *** ### Getting started Mamo is designed so the first step is small. 1. **Sign up** in under two minutes. 2. **Connect your money** with a few taps. 3. **Set one habit.** Choose any amount, however small, to put aside on payday. That is it. Mamo will do the rest, quietly, while you live your life. # The Mamo Difference Most financial tools ask too much of you. They expect you to track endless charts, decipher complex jargon, and somehow become a market expert. It is exhausting, and it turns growing your wealth into another job when you already have enough on your plate. Mamo takes a different approach. It is not another dashboard demanding attention. It is your financial companion for growing wealth, working with you to create quiet growth in the background. ### 🤝 Built for people, not experts Mamo does not expect you to speak finance. It uses plain language and thoughtful explanations. You do not need a finance degree, just the desire to build better habits with your money. Mamo meets you where you are today and helps you learn as you earn. ### 🤖 Smart, quiet systems Mamo puts intelligence to work without making a show of it. It tracks your balance, reinvests steadily, and seeks out the best opportunities that match your goals. When market conditions change, Mamo adapts with safety and risk in mind. Every action is explained in human terms. Your money stays productive through smart, human-first routines, not constant demands for your attention. ### 📈 Calm, steady progress Mamo is not here to chase the next big thing or promising overnight returns. It focuses on compounding for everyone, using strategies built around safety, consistency, and the power of small, steady wins that accumulate over time. Building wealth is less about timing markets and more about giving good habits the time to grow. ### 🔓 You are always in control With Mamo, you make the decisions that matter. You can add, pause, or withdraw anytime. There are no lockups and no confusing rules, just a system that works with you, not against you. It is still your money, even when it is growing quietly. ### 🧠 One habit at a time Mamo does more than grow your money. It builds your understanding. Every action comes with clear context, helping you become more confident in how your money is working for you. Real confidence comes from clarity, not complexity. # Who Mamo Helps Mamo is built for the many, not the few. It is for people who want to grow their wealth without the complexity that usually comes with it. You do not need financial expertise. You do not need to monitor markets. You only need the desire for calm, steady progress and the willingness to start a simple habit. Mamo meets you where you are today and grows alongside you, one quiet step at a time. ## Mamo is here for: ### 🐣 The just-getting-started You have some funds set aside and are wondering what comes next. Mamo helps you take that first meaningful step toward smart growth, with no complicated onboarding and no financial jargon. Just a simple path to start building. ### 📈 The growing saver You have been saving and now you are ready to put your money to work. Mamo finds safe, smart opportunities and manages the details so you can focus on other things. ### 🧘 The financial minimalist You want your money to grow without spreadsheets, stress, or decision fatigue. Mamo runs quietly in the background, keeping your money productive while you focus on what matters most in your life. ### 🌍 Those overlooked by traditional finance No credit history? No bank account? All you need is a phone and an internet connection. Mamo helps you begin your wealth journey without the usual barriers, because compounding should be for everyone. ### 🤔 The curious but cautious You are interested in growing your money but are not sure where to begin. With Mamo, you learn as you earn. Each step comes with clear context that builds understanding without overwhelming you. *** ## **In short:** Mamo is for people who want their wealth to grow steadily without the noise that usually surrounds it. No hype. No complex dashboards. No pressure to become a financial expert overnight. Just steady wins through smart, thoughtful habits. You stay in control while Mamo does the heavy lifting. # The Story Behind Mamo We began with a simple question: **Why does growing your money feel so complicated when it should not have to be?** In a world full of financial dashboards and apps that promise everything but often deliver confusion, we wanted something different. Not another tool that forces you to become a financial expert just to participate, but something quieter. Something that works in the background while you live your life, because you already have enough on your plate. So we built Mamo, a personal finance companion designed for steady growth and quiet confidence. A system that makes wealth-building feel achievable for everyone, not just those who speak the language of finance. ### **Built from experience, backed by intention** Mamo’s journey began in 2020, when the world paused and daily routines changed. During this time, founder Luke Youngblood began exploring smarter ways to grow his money. Not through chasing trends or staring at screens all day, but through calm, consistent systems that compound over time. As he discovered what worked, friends noticed. Some suggested starting a fund, but Luke had a different vision. He did not want to manage people’s money. He wanted to create a companion that helped people grow it themselves — without spreadsheets, without confusing crypto jargon, and without gatekeepers. Because building wealth should not require insider knowledge. It should be accessible to anyone with a phone and the desire to begin. ### From idea to action That vision took shape in 2025 at the [**Coinbase Developer AI Hackathon**](https://x.com/CoinbaseDev/status/1886468701689631006). Luke teamed up with engineers from leading technology companies to create what would become Mamo, an AI companion that quietly grows your money while explaining everything in human terms. The prototype won first place. More importantly, it resonated with people. They were not looking for more complexity. They wanted something that simply works in the background, a system built for the many rather than the few. ### Where we are going Mamo is only getting started. We are building a companion that helps anyone grow wealth through smart, human-first routines. You remain in control at all times. Steady wins, and one habit at a time can create the foundation for compounding growth for everyone. # The MAMO Token ## Token distribution Mamo is powered by the MAMO token, which had its genesis event at 13:39 UTC on May 20. From the beginning, distribution has followed the same principles that guide everything we do: transparency, thoughtfulness, and alignment with the community. **Token address (Base):** [**0x7300B37DfdfAb110d83290A29DfB31B1740219fE**](https://basescan.org/token/0x7300b37dfdfab110d83290a29dfb31b1740219fe) Total supply is fixed at **1,000,000,000 MAMO** There are no venture capital allocations. There are no day-one unlocks for the team, treasury, or platform development. There are no hidden mechanisms. The distribution is straightforward, designed to be fair, transparent, and aligned with the people who matter most: **you**.

### **10% — Community airdrop** *Unlocked at launch.* Mamo exists because of the communities that helped shape it. 10% of the total supply is reserved for people in the following communities: * stkWELL holders * WELL holders * VIRTUAL stakers * veAERO holders * MEME holders This is our way of saying thank you and inviting these communities to grow with us from day one. If you are one of these holders/stakers, you can claim your MAMO airdrop [**here**](https://app.sablier.com/airdrops/campaign/0x72d76fb5fc4bf4b0fc905561fef7f36b4a71e4e7-8453/). ### **25% — Treasury** *Vested monthly over 24 months. No unlocks at launch.* Supports the long-term growth of the Mamo ecosystem through grants, community initiatives, and strategic partnerships. ### 25% — Platform development *Vested monthly over 24 months. No unlocks at launch.* Dedicated to improving Mamo through new features, integrations, and infrastructure enhancements. ### **15% — Team** *6-month cliff, then vested monthly over 24 months. No unlocks at launch.* Allocated to the contributors who built Mamo and continue to make it smarter, more secure, and more helpful every day. ### **15% — Virtuals LP** *Locked.* Provides liquidity in the **MAMO/VIRTUAL** pool to support efficient trading with minimal slippage. ### **10% — cbBTC LP** *Locked.* Provides liquidity in the **MAMO/cbBTC** pool on Aerodrome. cbBTC is Coinbase’s version of Bitcoin, enabling deeper connections between Mamo and the broader ecosystem. # Important Links ### Website: [**Mamo**](https://mamo.bot/) ### X: [**Mamo**](https://x.com/Mamo_agent) ### Telegram (Community): [**Join the Chat**](https://t.me/mamoofficialchat) ### Telegram (Mamo Bot): [**Chat with Mamo**](https://t.me/MamoAIbot) ### Blog: [**Mirror**](https://mirror.xyz/mamoagent.eth) ### Github: [**Mamo Contracts**](https://github.com/moonwell-fi/mamo-contracts) # Contributors ## The people behind Mamo Mamo is built by a team who believes wealth-building should not require becoming a financial expert. We are engineers, designers, and problem-solvers with experience from companies such as Coinbase, Apple, Amazon, Twitter/X, and Lyft. Our goal is to make wealth-building accessible to everyone, not just those already fluent in the language of finance. We design with care, test thoroughly, and improve continuously. Because calm, steady progress is what creates lasting growth. These contributors bring Mamo to life: * [**Luke Youngblood**](https://x.com/LukeYoungblood) * [**anajuliabit**](https://x.com/anajuliabit) * [**Chrizy**](https://x.com/heyitschrizzle) * [**BProfiro**](https://x.com/bprofiro) * [**Avp**](https://x.com/0xavp) * [**danimimm**](https://x.com/danimimm) Mamo is also supported by a wider community of builders, designers, moderators, and advisors who actively shape its future. Their ideas, feedback, and contributions help ensure Mamo continues to grow in ways that serve everyone. # USD Coin (USDC) Smart growth for your stablecoins ## What is the USDC Account? The Mamo USDC Account gives your stablecoins a clear purpose. You deposit USDC and Mamo puts it to work. Earnings come from borrower interest and market rewards, then flow back into your balance as more USDC. The process runs continuously without manual actions or ongoing decisions. {% hint style="info" %} [**USDC**](https://www.circle.com/usdc) (USD Coin) is a regulated stablecoin by [**Circle**](https://www.circle.com/usdc). Each USDC maintains a 1:1 value with the US dollar and is fully backed by cash or cash equivalents. This makes USDC easy to hold, easy to move, and predictable in value. {% endhint %} ## How your money grows When you deposit USDC, Mamo allocates it across two trusted destinations on [**Base**](https://www.base.org/)**,** [**Moonwell**](https://moonwell.fi/) and [**Morpho**](https://morpho.org/). Borrowers access USDC liquidity from these platforms and pay interest in return. That interest becomes your earnings. Mamo monitors both destinations continuously and shifts USDC toward the option paying more. Allocation updates follow rate changes, not fixed schedules. You do not manage positions or compare rates yourself. Mamo handles that for you, automatically. | Mamo USDC Account | | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | |

[**Moonwell**](https://moonwell.fi/) **—** [**Moonwell USDC Core Market**](https://moonwell.fi/markets/supply/base/usdc) **(**[**Base**](https://www.base.org/)**)** | |

[**Morpho**](https://morpho.org/) **—** [**Moonwell USDC Flagship Vault**](https://moonwell.fi/vaults/deposit/base/mwusdc) **(**[**Base**](https://www.base.org/)**)** |

## What you earn Your USDC balance grows through borrower interest and reward tokens. Borrower interest accrues directly to your USDC balance as long as funds remain deposited. This provides steady, predictable growth tied to borrowing demand. You also receive WELL and MORPHO rewards from the underlying market and vault. Once you earn reward of $5 dollars in value, Mamo will convert them into USDC and adds them to your balance. Rewards never require claiming. Everything becomes more USDC. ## How compounding works Interest and converted rewards automatically reinvest into your USDC balance. Each increase earns alongside your original deposit. Growth compounds continuously without input from you. Mamo tracks real time rates across the market and vault and reallocates only when conditions increase or decrease. This keeps your Bitcoin positioned where earnings stay higher without constant movement or tuning. ## How reward conversions are handled WELL and MORPHO reward tokens convert into USDC using verified market price checks to keep conversions aligned with fair market value before compounding. Converted USDC flows straight back into your balance and continues earning. ## Security and control Your USDC stays under your control from start to finish. Mamo never takes custody. Funds move into a personal smart contract vault controlled by you. You decide when to add funds, pause deposits, or withdraw. No lockups apply. ## Access anytime Withdraw USDC at any time. No waiting periods. No penalties. Pause or resume based on your schedule. *** ## At a glance * Deposit USDC. * Mamo allocates your funds to where it earns the most. * Interest and rewards increase your balance. * Rewards convert into USDC automatically. * Control stays with you. Your USDC, earning steadily in the background. # Bitcoin (cbBTC) Smart growth for your Bitcoin stack

## What is the Bitcoin Account? The Mamo Bitcoin Account gives your Bitcoin a clear, practical use. You deposit **cbBTC** — Bitcoin backed 1:1 by BTC held in Coinbase custody — and Mamo puts it to work where it can grow. Growth happens through interest paid by borrowers and rewards generated by the underlying yield sources. All earnings compound back into more Bitcoin over time, without manual steps. {% hint style="info" %} [**cbBTC**](https://www.coinbase.com/cbbtc) is Coinbase Bitcoin. Each cbBTC represents Bitcoin held 1:1 in [**Coinbase**](https://www.coinbase.com) custody. It stays fully redeemable and keeps the same Bitcoin exposure, while allowing your balance to earn inside the [**Base**](https://www.base.org/) ecosystem. {% endhint %} ## How your Bitcoin grows When you deposit cbBTC, Mamo allocates it between two trusted destinations on [**Base**](https://www.base.org/)**,** [**Moonwell**](https://moonwell.fi/) and [**Morpho**](https://morpho.org/). Borrowers use these platforms to access Bitcoin liquidity and pay interest in return. That interest flows directly back to you. Mamo monitors both destinations continuously and reallocates your cbBTC when rates change. Funds move only when higher returns appear. You do not select markets or adjust positions. Allocation stays automatic and rate driven. | Mamo Bitcoin Account | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | |

[**Moonwell**](https://moonwell.fi/) **—** [**Moonwell cbBTC Core Market**](https://moonwell.fi/markets/supply/base/cbbtc) **(**[**Base**](https://www.base.org/)**)** | |

[**Morpho**](https://morpho.org/) **—** [**Moonwell cbBTC Frontier Vault**](https://moonwell.fi/vaults/deposit/base/mwcbbtc) **(**[**Base**](https://www.base.org/)**)** |

## What you earn Your Bitcoin grows through borrower interest and reward tokens. Borrower interest accrues directly to your cbBTC balance as long as funds remain deposited. This forms the base layer of growth. In addition, the underlying market and vault distribute WELL and MORPHO rewards. Once you have earned $5 dollars in value of rewards, Mamo will convert them into cbBTC and adds them to your balance. Rewards never require manual claiming. Everything feeds back into more Bitcoin. ## How compounding works Interest and converted rewards automatically reinvest into your cbBTC balance. Each increase earns alongside your original deposit. Growth compounds continuously without input from you. Mamo tracks real time rates across the market and vault and reallocates only when conditions increase or decrease. This keeps your Bitcoin positioned where earnings stay higher without constant movement or tuning. ## How reward conversions are handled Reward tokens convert into cbBTC using market price checks to protect conversions from poor pricing and ensures rewards convert at fair market value before compounding. ## Security and control Your Bitcoin stays yours throughout the process. Mamo never takes custody. Deposits move into a personal smart contract vault controlled by you. You decide when to add funds, pause deposits, or withdraw. There are no lockups and no penalties tied to timing. ## Access anytime Withdraw your cbBTC whenever you want. No waiting periods. No restrictions. Pause or resume based on your needs, not system rules. *** ## At a glance * Deposit cbBTC. * Mamo allocates your funds to where it earns the most. * Borrower interest and rewards grow your balance. * All earnings compound into more Bitcoin. * You stay in control. Your Bitcoin, working steadily in the background. # Ethereum (ETH) Your Ethereum, working smarter

## What is the Ethereum Account? The Mamo Ethereum Account gives your Ethereum a clear job. You deposit ETH, then Mamo takes over to grow your balance over time. Ethereum often sits idle because deciding what to do next feels complex and time consuming. Mamo removes that decision layer and replaces it with a steady process designed to run without constant attention. Your ETH stays productive while your focus stays elsewhere. Control stays with you throughout the entire experience. You choose when to add funds, when to pause, and when to withdraw. No lockups. No penalties. No pressure to keep checking or adjusting. The account exists to support long term holding with a system built for consistency. ## How your Ethereum grows After you deposit ETH, Mamo allocates your balance across two established lending destinations on [**Base**](https://www.base.org/)**,** [**Moonwell**](https://moonwell.fi/) and [**Morpho**](https://morpho.org/). Both options serve the same purpose. They let borrowers access ETH in exchange for fees. Those fees flow back to depositors as earnings. Mamo continuously monitors rates across both destinations and shifts your ETH toward the option that pays more. | Mamo Ethereum Account | | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | |

[**Moonwell**](https://moonwell.fi/) **—** [**Moonwell ETH Core Market**](https://moonwell.fi/markets/supply/base/eth) **(**[**Base**](https://www.base.org/)**)** | |

[**Morpho**](https://morpho.org/) **—** [**Moonwell ETH Flagship Vault**](https://moonwell.fi/vaults/deposit/base/mweth) **(**[**Base**](https://www.base.org/)**)** |

You do not need to choose between these sources or track their performance. Allocation decisions happen automatically by Mamo, guided by live market conditions rather than static rules. ## How earnings show up Ethereum deposited through Mamo earns in two ways. Borrower interest accrues continuously as people pay to use ETH from the underlying market or vault. This interest increases your ETH balance directly over time, forming the base layer of growth. In addition, the underlying markets distribute extra incentives to encourage people to deposit, in the form of WELL and MORPHO reward tokens. Once your rewards reach approximately $5 dollars in value, Mamo will convert them into ETH and adds the ETH to your balance. No claiming. No swapping. No secondary assets left behind. Everything funnels back into more Ethereum, reinforcing a single, clear outcome. ## What happens behind the scenes Mamo operates with a focus on rate awareness and disciplined movement. The system tracks real time rates across the supported market and vault, then reallocates ETH when meaningful differences appear. This avoids guesswork and reduces missed opportunities caused by static positioning. Reward token conversions into ETH use market price checks designed to reflect fair market value. Converted rewards rejoin your principal automatically, allowing compounding to continue without interruption. Growth builds on prior growth. ## Security and ownership Ethereum deposited through Mamo always remains under your control. Mamo never takes custody. Funds move into a personal smart contract vault tied to your account, leaving authority in your hands from start to finish. Deposits, pauses, and withdrawals follow your direction alone. *** ## At a glance * Deposit ETH. * Mamo allocates your funds to where it earns the most. * Borrower fees and rewards grow your balance. * Everything compounds into more ETH. * Control remains with you. Your Ethereum, working smarter. Let Mamo grow it in the background. # Mamo (MAMO) Deposit MAMO to earn protocol revenue

## What is the MAMO Account? The MAMO Account lets you deposit MAMO tokens and earn a share of Mamo’s platform revenue. This revenue comes from trading fees on [**Aerodrome**](https://aerodrome.finance/), the largest decentralized exchange on Base. Earnings are distributed weekly during **The Mamo Drop** and can be automatically compounded into more MAMO or directed to other accounts, depending on your settings. Rewards are streamed to your account continuously throughout the week, not given in a single lump sum. The total reward rates update every Thursday. All you need to do is deposit MAMO to start earning immediately. ### Benefits * Earn 100% of platform revenue * Automatic compounding by default * Set up once and let Mamo handle the rest * No daily management required * Deposit or withdraw at any time * Choose between auto-compounding or custom allocation * No lock-up periods *** ## Revenue Sources ### Trading Fees You earn from trading activity across multiple Aerodrome pools, including: * MAMO/cbBTC * MAMO/VIRTUAL * MAMO/USDC * MAMO/ETH * MAMO/EDGE * MAMO/ZORA * MAMO/KTA * MAMO/cbXRP * MAMO/TOSHI * MAMO/noice * MAMO/KAITO * MAMO/BMX As new pairs are added, your earning potential increases. ### Weekly Distribution Each week, Mamo distributes trading fees earned from these Aerodrome pools to MAMO Account depositors. Mamo updates reward rates and announces the breakdown of tokens to be distributed during an event called **The Mamo Drop**. It is announced on X - [@mamo](https://x.com/mamo). Rewards are then streamed to your account continuously for the rest of the week.

*** ## Reward Compounding Options ### Compound * All rewards are converted into MAMO automatically * No manual action required * Balance grows weekly through compounding * You must have earned at least 10 MAMO in order for the rewards to be compounded ### Reinvest (Grow your Bitcoin stack) * All rewards, except cbBTC, are compounded into more MAMO * cbBTC rewards are sent to your Bitcoin Account * Allows you to grow both your MAMO and Bitcoin Account balances

# How It Works Mamo is built to feel simple. That simplicity is intentional. It comes from smart, automated systems working quietly in the background to keep your money safe, productive, and always within your control. Whether you’re growing stablecoins in the USDC Account or building your Bitcoin stack with cbBTC, Mamo takes care of the complexity so you can focus on the bigger picture. ## How Mamo Works 1. **Account creation**\ When you open a Mamo Account (USDC, cbBTC, MAMO), Mamo deploys dedicated smart contracts linked directly to your wallet. You keep full control of your funds. Mamo never takes custody, and only you can move them. 2. **Funds put to work**\ Mamo allocates your USDC or cbBTC to Moonwell or Morpho, automatically selecting the market or vault with the highest available rate. If you deposit MAMO, your balance continues to earn a share of platform revenue each week through reward distributions. 3. **Earning begins**\ You earn interest from borrowers in USDC or cbBTC, plus extra rewards like WELL and MORPHO tokens. Mamo quietly collects it all for you. 4. **Smart conversion**\ When rewards reach about $5, Mamo converts them into more of your deposited asset using CowSwap, with prices verified by Chainlink oracles. This ensures fair pricing and avoids small, inefficient swaps. 5. **Auto-compounding**\ Interest and converted rewards are folded back into your balance automatically. Your earnings generate more earnings — no manual steps, no spreadsheets. 6. **Always accessible**\ Withdraw anytime. Your funds go straight to your wallet instantly, even if Mamo is offline. You can add, pause, or withdraw without lockups or waiting periods. 7. **Updates with permission**\ If Mamo ships an upgrade, you’ll get a clear prompt and must approve any changes before they happen. No surprise migrations, you stay in control. *** ## Mamo's infrastructure, visualized

# Security and Risk ## **Your money, your control. Our promise.** Mamo is simple on the surface and secure at the core. It was built so security never gets in the way of calm, steady growth. While you practice good financial habits such as regular deposits and long-term thinking, we protect your funds with systems designed to keep you in control from start to finish. There are no confusing rules, only thoughtful security that works quietly in the background. ### 🛡️ Self-custody, no exceptions When you deposit into Mamo, funds do not go into a communal pool or an opaque account. They flow directly into a personal smart contract vault that belongs to your wallet alone, similar to a safe deposit box where only your key works. Mamo can guide your funds but never take them. Every action, whether it is a deposit, withdrawal, or strategy change, requires your signature. Your money remains accessible at all times. If Mamo is ever offline, you can still access your funds directly through any standard wallet or block explorer. There is no scenario where Mamo holds your funds. We build the rails and you steer the train. ### 🔐 Security by design Security is built into every part of Mamo’s systems, not added as an afterthought. * **Independent audits**\ Trust comes from proof, not promises. Mamo has been independently audited by leading security firms, including [**Certora**](https://www.certora.com) and [**Halborn Security**](https://halborn.com). You can review the results in our Audits section. * **$250K bug bounty**\ Our [**Sherlock**](https://audits.sherlock.xyz/bug-bounties/350) bug bounty program pays up to $250,000 to white-hat hackers who responsibly disclose vulnerabilities before bad actors can exploit them. Continuous incentives mean continuous scrutiny and stronger safety over time. * **Permissioned upgrades**\ No silent contract migrations. Any upgrade requires your explicit approval. If you choose not to approve, nothing changes. No hidden moves, no surprises. * **Fail-safe access**\ Your vault is a transparent smart contract on the Base network. Even if Mamo were to go offline, you would retain 100% control of your balance using any Ethereum-compatible wallet. ### 👀 Transparency Financial stress often comes from hidden rules and unclear terms. Mamo keeps things clear: * No hidden fees in fine print * No lockups preventing withdrawals * No unexpected changes disrupting your progress ### 🧠 Smart protection for your earnings Earning yield is valuable, but keeping it safe is even more important. When Mamo converts bonus tokens such as WELL or MORPHO back into USDC or cbBTC, three layers of safety are applied: 1. [CowSwap](https://swap.cow.fi/) **batch auctions** prevent front-running and “sandwich” attacks 2. [Chainlink](https://chain.link/) **oracles** act as independent price feeds, halting any swap when market prices deviate from fair value 3. **Tight slippage limits** ensure you do not lose value during volatile price swings. If conditions are not right, Mamo waits before converting your rewards ### ⚖️ Honest about risk All investing carries risk. Mamo is upfront about what those risks are: * **Variable APY**: Interest rates change with borrower demand. A 12% rate today may be 8% tomorrow or even in the next hour. Mamo always seeks the best available rate, but the number will change. * **Smart contract risk**: Independent audits and bug bounties reduce the chance of vulnerabilities, but no code is perfect. * **Protocol risk**: Mamo routes funds to Moonwell and Morpho on Base. These platforms have strong track records and multiple audits, but they are not backed by government insurance. Our role is to minimise risk, communicate it clearly, and ensure you can adjust your position at any time. # Audits

Security at Mamo works quietly in the background, just like the rest of our systems. You already have enough to manage without worrying about whether your money is protected. That is why safety is built into every layer, then verified by independent experts to ensure it works exactly as intended. We do not ask for blind trust. We earn it through transparency, verification, and care. ### Why Audits Matter Your money deserves more than promises. Independent security experts have examined Mamo from the ground up, stress-testing our systems, reviewing our code, and confirming that everything behaves as it should. ## Independent Audits ### Certora Security Audit [**Certora**](https://www.certora.com/) reviewed Mamo’s core infrastructure, testing how it performs under a wide range of real-world conditions. **What this means for you:** The systems handling your deposits, withdrawals, and growth have been independently verified to work as expected. **View the March 2025 Certora Audit Report:** {% file src="/files/Qgu7vTDIOlZ3A0YqFLgE" %} ### Halborn Security Audits [**Halborn Security**](https://www.halborn.com/) reviewed Mamo's codebase line by line, combining expert analysis with automated tools to identify and address potential vulnerabilities before they ever affect you. **What this means for you:** Your funds benefit from security practices that meet industry standards, verified by professionals who know exactly what to look for. **May 2025** — [**Halborn Security Mamo Contracts Audit Report**](https://www.halborn.com/audits/moonwell/mamo-contracts-369efe) **August 2025** — [**Halborn Security Mamo Transfer and Earn Audit Report**](https://www.halborn.com/audits/moonwell/transfer-and-earn-d30370) **December 2025 —** [**Halborn Security Mamo Strategy Implementation Audit Report**](https://www.halborn.com/audits/moonwell/mamo-contracts-7c51a6) ### Sherlock Bug Bounty Program Even after expert reviews, Mamo maintains an active bug bounty program with [**Sherlock**](https://audits.sherlock.xyz/bug-bounties/350), offering up to $250,000 for responsibly disclosed security issues. This invites hundreds of independent researchers to search for anything previous reviews might have missed. **What this means for you:** You benefit from multiple layers of protection working together to keep your funds secure. ## Ongoing Security Commitment Security is not a one-time task. It is an ongoing practice of improvement and verification. As Mamo evolves, we remain committed to: * **Regular audits:** Every new feature is independently reviewed before going live * **Clear updates:** You will always know what is changing and why * **Plain language:** Security explained in terms that make sense # Terms of Service {% file src="/files/YdtIhkQStdsfI8tcyRX5" %} # Privacy Policy {% file src="/files/fRcMPhYLghhXyAUJiiX0" %} # Contract Addresses ## Mamo Contract Addresses

Name	Contract Address
USDC	0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
cbBTC	0xcbB7C0000aB88B473b1f5aFd9ef808440eed33Bf
MAMO	0x7300B37DfdfAb110d83290A29DfB31B1740219fE
WELL	0xA88594D404727625A9437C3f886C7643872296AE
MORPHO	0xBAa5CC21fd487B8Fcc2F632f3F4E8D37262a0842
Moonwell USDC (mUSDC)	0xEdc817A28E8B93B03976FBd4a3dDBc9f7D176c22
Moonwell USDC Vault (mwUSDC)	0xc1256Ae5FF1cf2719D4937adb3bbCCab2E00A2Ca
Moonwell ETH (mWETH)	0x628ff693426583D9a7FB391E54366292F509D457
Moonwell ETH Vault (mwETH)	0xa0E430870c4604CcfC7B38Ca7845B1FF653D0ff1
Moonwell cbBTC (mCBBTC)	0xF877ACaFA28c19b96727966690b2f44d35aD5976
Moonwell cbBTC Vault (mwCBBTC)	0x543257ef2161176d7c8cd90ba65c2d4caef5a796
Moonwell Comptroller	0x73D8A3bF62aACa6690791E57EBaEE4e1d875d8Fe
Chainlink Oracle (USDC)	0x7e860098F58bBFC8648a4311b374B1D669a2bc6B
Chainlink Oracle (WELL)	0xc15d9944dAefE2dB03e53bef8DDA25a56832C5fe
Chainlink Oracle (MORPHO)	0xe95e258bb6615d47515Fc849f8542dA651f12bF6
Mamo Strategy Registry	0x46a5624C2ba92c08aBA4B206297052EDf14baa92
Mamo USDC and cbBTC Strategy Implementation	0x4007EFfCE837701Fdd90017Ab747fefD58aAD98B
Mamo Ethereum Strategy Implementation	0x6C8577fa9B10807f7485f6476C2AFE0B8d61D1e7
USDC Strategy Factory	0x5967ea71cC65d610dc6999d7dF62bfa512e62D07
cbBTC Strategy Factory	0xE23c8E37F256Ba5783351CBb7B6673FE68248712
ETH Strategy Factory	0x14bA47Ef0286B345E2B74d26243767268290eE28
CowSwap Vault Relayer	0xC92E8bdf79f0507f65a392b0ab4667716BFE0110
Chainlink Swap Checker Implementation	0x518e95F6f91E316133FE256fBc1Cf47a54e50c56
Chainlink Slippage Checker	0x5A8F10be44E25Bb21492C5f46DA94cDb1f0b2fF6
Wormhole Bridge Relayer	0x706F82e9bb5b0813501714Ab5974216704980e31
Mamo Pause Guardian	0xB9d4acf113a423Bc4A64110B8738a52E51C2AB38
Mamo Backend	0x2Ab03887829EA8632D972cf3816b825Fe7FC5e73
Mamo Multisig	0x26c158A4CD56d148c554190A95A921d90F00C160