The operating system for money and the super app powered by it.
Investor Briefing
Confidential · 2026
The two layers
The Product
drop is the app.
A self-custodial super app where anyone does everything with money.
The Platform
MoneyOS is the system.
The open infrastructure every money app — and every AI agent — runs on.
drop·MoneyOS
02
The problem
Money is broken.
Traditional banks
Days to settle, closed nights & weekends
They hold your money — and can freeze it
Borders, FX fees, and gatekeepers
Legacy brokers
T+2 settlement, market hours only
You own an IOU, not the asset
High fees — and trades can be halted
Crypto today
Complex, intimidating UX
High fees and failed transactions
Hacks, scams, and lost keys
drop·MoneyOS
03
The shift
Ownership is moving to you.
Value is leaving the closed ledger. Finance is becoming intelligent, composable, global.
drop·MoneyOS
04
The thesis
Moneybecomessoftware
Softwarebecomescoordination
Coordinationneeds anoperating system
drop·MoneyOS
05
The architecture
Your dApp
embedded wallet
drop
11 capabilities
AI agents
via the CLI
MoneyOS
Open infrastructure for modern value
Self-custodial keysMulti-chainCapabilitiesCoordinationWallie AI
drop·MoneyOS
06
drop · Live now
Everything money can do. One app.
8+
CHAINS
0
SEED PHRASES
∞
POSSIBILITIES
drop
07
11 capabilities
Self-Custody
Passkeys · seedless
Social Identity
Send to @usernames
Send to Anyone
Only they can claim
Multi-Chain
BTC · ETH · SOL · EVM
Collect & Distribute
Tips · airdrops · requests
Trade
Best aggregated rates
Perps
Up to 50x · Hyperliquid
Yield
Passive · automated
Wallie
Your AI money agent
eSIM
Any country · pay crypto
Debit Card
Spend crypto anywhere
drop
08
drop · Intelligence
Meet Wallie. Money on autopilot.
An autonomous agent that plans, saves, pays, and rebalances — around the clock.
drop
09
MoneyOS · for developers
Build money into anything.
Embed into any app: demo.dropwallet.app
EIP-1193 + Wallet Standard
Client Line Intefrace (CLI)
AI Agent-ready, policy-bound
MoneyOS
10
The frontier
Agents are the new institutions.
Any AI agent can plug into MoneyOS
and transact onchain — at machine speed, bounded by policy.
MoneyOS
11
Why now
Four forces, converging.
Programmable money
Tokenized assets and cross-chain rails are everywhere.
Self-sovereignty
People expect control of identity and assets.
AI coordination
Only intelligence can manage this complexity.
Infra is ready
Standards and ecosystems make a platform viable.
drop·MoneyOS
12
Business model
We earn where value moves.
SDK / API — SaaS
Swap & transfer fees
Perps transaction fee cut
Staking rewards and stablecoin yield split
Card transaction fee cut
Premium Account subscription
Enterprise / white-label
drop·MoneyOS
13
Opportunity
Billions are entering
digital finance.
$231B
Neobanking market, 2025
~$5T
Projected market, 2035
~36%
Compound annual growth
drop·MoneyOS
14
Integrations
Powered by the best service providers.
drop·MoneyOS
15
Founder
A decade building the future of
money.
The founder, Marko, is an
industry veteran with 10+ years developing and shipping fintech and crypto apps at top-tier companies. He holds a
Masters degree in
Economics.
DappRadar
Exodus
Bitpanda
Pantos
No HQ — Skydrop Labs is fully remote — and Marko travels
continuously, meeting users, partners, and communities to drive drop adoption on
the ground.
drop
MoneyOS
