Ark Money
Classic Mutual-Aid + Dividend hybrid model case study
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| ARK MONEY |
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| Classic Mutual-Aid + Dividend hybrid model |
| Case study on yield source and liquidation |
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+-----------------------------------------------------------+Core Mechanism
Money Ark is a classic Mutual-Aid model with Dividend characteristics, with five main rules:
| Rule | Description |
|---|---|
| Locked Principal | Deposit in USDC, amount becomes global debt, principal locked, 0.5% daily compound interest |
| Forced Reinvestment | Must reinvest at least $200 every 7 days to continue compounding |
| Buyback Mechanism | 10% of deposit as reserve for withdrawals, 85% for "auto-buyback" of $MARK |
| Transaction Tax | 10% tax on $MARK trades, 5% to holders, 5% to liquidity pool |
| Black Hole Contract | 49% of tokens held by black hole, auto-sells when exceeding 51% |
Yield Source Analysis
Where does the yield come from? Where does the money for full redemption come from?
Extreme Scenario Simulation
Assumptions:
├── Initial LP: 1.2M USDC + 6M TVL
├── Deposits: 1x 10000U + 10x 50000U
├── Reinvestment: 50000U reinvests for 52 weeks, 10000U doesn't
└── No other deposits during this period
After 52 weeks:
├── 50000U debt → 316336.5U each
├── 10 deposits total debt → 3.16M
├── Total deposits → 714000U
├── 10% reserve → 71400U
├── 85% buyback funds → 606900U
├── Plus initial LP → 1.87M
└── Redemption rate → Only 50%Conclusion: Full redemption is only theoretical
How the Project Team Profits
MoneyArk has no explicit team share. So how do they make money?
Hidden Arbitrage Space
85% of deposits "auto-buyback" $MARK
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But is buyback manual or automatic?
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If manual = 85% goes to project team's pocket
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Effectively a P2P centralized fund poolMarket Making Strategy
If I were the project team:
1. Keep MARK moving in ranges
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2. Buy MARK at relative lows
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3. Use "85% pump funds" to pump at highs
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4. Sell MARK for arbitrage
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5. Repeat as long as scheme doesn't collapseEssentially an invisible extraction mechanism in the mutual-aid scheme, with timing and size at team's discretion
Collapse Model
Collapse triggers:
├── New deposits slow down
├── TVL and LP size imbalanced
├── Reinvestment and LP growth both declining
└── 85% reserve pool drained one-sided
Result:
└── Can't even redeem 50%Optimal Strategy
Since it has mining machine characteristics:
| Phase | Strategy |
|---|---|
| Entry | After IDO selling pressure clears, buy the mining token |
| Holding | Wait for pump to induce deposits |
| Exit Signal | TVL/LP imbalance + slowing deposits + declining reinvestment |
| Action | Exit decisively |
Core Formulas
Yield source = 100% from later USDC deposits
Project team arbitrage = Control 85% fund's pump timing
Collapse conditions:
├── Global debt > MARK LP pool
├── Majority of large funds minimum reinvest
└── No external input
Strategy priority:
├── Best: Secondary market arbitrage
├── Second: Quickly copy and launch clone
└── Worst: Large funds entering PonziDon't panic, trust the leadership! 3M will restart!