A Positive Future
A Positive Future
A Positive Future
Powered by the immutable laws of code and mathematics
Powered by the immutable laws of code and mathematics
Powered by the immutable laws of code and mathematics
Background:
Background:
Background:
Background: I’m 20 years into building technology companies, two included significant exits - one acquired by Overstock.com (Nasdaq: OSTK) and one acquired by (ERI) the largest cyber-security recycler in the U.S. My final focus is MINT. My intention is to build this company with a long-term vision spanning two decades, fully immersing myself in maximizing the impact we can make on humanity.
Background: I’m 20 years into building technology companies, two included significant exits - one acquired by Overstock.com (Nasdaq: OSTK) and one acquired by (ERI) the largest cyber-security recycler in the U.S. My final focus is MINT. My intention is to build this company with a long-term vision spanning two decades, fully immersing myself in maximizing the impact we can make on humanity.
Background: I’m 20 years into building technology companies, two included significant exits - one acquired by Overstock.com (Nasdaq: OSTK) and one acquired by (ERI) the largest cyber-security recycler in the U.S. My final focus is MINT. My intention is to build this company with a long-term vision spanning two decades, fully immersing myself in maximizing the impact we can make on humanity.
By: M. Murphy, Founder & CEO • May 19, 2025
By: M. Murphy, Founder & CEO • May 19, 2023
By: M. Murphy, Founder & CEO • May 19, 2025
OUR MISSION
Maximize Human Freedom
Mint’s mission is to maximize human freedom through advanced code and mathematics.
OUR MISSION
Maximize Human Freedom
Mint’s mission is to maximize human freedom through advanced code and mathematics.
OUR MISSION
Maximize Human Freedom
Mint’s mission is to maximize human freedom through advanced code and mathematics.
ETHOS
Code & Mathematics > Beliefs & Opinions
Mint’s core ethos is grounded in championing the ideals of freedom and privacy through the immutable laws of code and mathematics.
These laws have now evolved to enhance the lives of billions, positioning cryptography as a pivotal force that redistributes power and authority. This has transformed cryptography from a technical tool to a profoundly political one.
With this transformation comes a moral obligation. Those who understand these systems have the duty to defend these principles. We firmly believe blockchains provide an unprecedented opportunity to create robust systems that uphold these values.
ETHOS
Code & Mathematics > Beliefs & Opinions
Mint’s core ethos is grounded in championing the ideals of freedom and privacy through the immutable laws of code and mathematics.
These laws have now evolved to enhance the lives of billions, positioning cryptography as a pivotal force that redistributes power and authority. This has transformed cryptography from a technical tool to a profoundly political one.
With this transformation comes a moral obligation. Those who understand these systems have the duty to defend these principles. We firmly believe blockchains provide an unprecedented opportunity to create robust systems that uphold these values.
ETHOS
Code & Mathematics > Beliefs & Opinions
Mint’s core ethos is grounded in championing the ideals of freedom and privacy through the immutable laws of code and mathematics.
These laws have now evolved to enhance the lives of billions, positioning cryptography as a pivotal force that redistributes power and authority. This has transformed cryptography from a technical tool to a profoundly political one.
With this transformation comes a moral obligation. Those who understand these systems have the duty to defend these principles. We firmly believe blockchains provide an unprecedented opportunity to create robust systems that uphold these values.
THE COMPANY
Infrastructure for Machine-Native Liquidity
Mint is building the base layer for autonomous capital.
Our programmable‑liquidity rails let receivables, treasuries, and other real‑world obligations travel the internet at machine speed, callable by agents, settled by smart contracts, and repriced in real time.
System‑first, UI‑last: APIs over dashboards; code over forms.
Always‑on: Designed to operate without humans in the loop.
Agent‑native: Liquidity objects expose methods (fund, route, reinvest) directly to software.
THE COMPANY
Infrastructure for Machine-Native Liquidity
Mint is building the base layer for autonomous capital.
Our programmable‑liquidity rails let receivables, treasuries, and other real‑world obligations travel the internet at machine speed, callable by agents, settled by smart contracts, and repriced in real time.
System‑first, UI‑last: APIs over dashboards; code over forms.
Always‑on: Designed to operate without humans in the loop.
Agent‑native: Liquidity objects expose methods (fund, route, reinvest) directly to software.
THE COMPANY
Infrastructure for Machine-Native Liquidity
Mint is building the base layer for autonomous capital.
Our programmable‑liquidity rails let receivables, treasuries, and other real‑world obligations travel the internet at machine speed, callable by agents, settled by smart contracts, and repriced in real time.
System‑first, UI‑last: APIs over dashboards; code over forms.
Always‑on: Designed to operate without humans in the loop.
Agent‑native: Liquidity objects expose methods (fund, route, reinvest) directly to software.
THE SHIFT
From Static Assets to Executable Capital
Receivables, contracts, and sovereign bills are moving from closed ledgers to on‑chain, machine‑readable objects.
In the next 24 months trillions of dollars will migrate from analog custody to digitally executable form.
Winners will surface programmable liquidity through trustless rails.
Liquidity Framework
Programmable Truth: Strong commits of future behavior. Immutable code and math ensure trust beyond human limitations.
Modern Capital: Money after A.I. is crypto. On-chain assets are the future of value transfer.
Exponential Growth: The only backends of the future will be blockchains. Blockchains are secure, scalable, and unstoppable.
THE SHIFT
From Static Assets to Executable Capital
Receivables, contracts, and sovereign bills are moving from closed ledgers to on‑chain, machine‑readable objects.
In the next 24 months trillions of dollars will migrate from analog custody to digitally executable form.
Winners will surface programmable liquidity through trustless rails.
Liquidity Framework
Programmable Truth: Strong commits of future behavior. Immutable code and math ensure trust beyond human limitations.
Modern Capital: Money after A.I. is crypto. On-chain assets are the future of value transfer.
Exponential Growth: The only backends of the future will be blockchains. Blockchains are secure, scalable, and unstoppable.
THE SHIFT
From Static Assets to Executable Capital
Receivables, contracts, and sovereign bills are moving from closed ledgers to on‑chain, machine‑readable objects.
In the next 24 months trillions of dollars will migrate from analog custody to digitally executable form.
Winners will surface programmable liquidity through trustless rails.
Liquidity Framework
Programmable Truth: Strong commits of future behavior. Immutable code and math ensure trust beyond human limitations.
Modern Capital: Money after A.I. is crypto. On-chain assets are the future of value transfer.
Exponential Growth: The only backends of the future will be blockchains. Blockchains are secure, scalable, and unstoppable.
THE OPPORTUNITY
The New World Infrastructure
PROBLEM
The world’s financial infrastructure was not built for autonomous execution.
It was built for paper, intermediaries, and human decision-makers.
As value shifts on-chain, the assumptions baked into traditional finance, delay, discretion, jurisdictional friction, are being replaced by programmable logic.
This creates one of the largest infrastructure gaps in modern history.
At the center of this gap are four systemic constraints:
Surveillance Rails
Centralized systems control access to money movement, enforcing compliance through opacity rather than proof.
Liquidity Gridlock
Capital is locked inside slow contracts and fragmented systems, inaccessible to agents who can act on it.
Fragmentation
Value is split across private ledgers, public blockchains, and off-chain documents—with no universal layer to unify them.
Restricted Access
Institutions retain discretion over who can issue, transact, or participate—turning financial systems into permissioned networks.
Mint recognizes that the next quantum leap in this liquidity revolution is on-chain lending. On-chain lending is the most transformative financial breakthrough since central banking, the engine driving one of the largest asset shifts in history. Rather than relying on fragmented systems, businesses and individuals gain instant, reliable, and permissionless liquidity—powered by the immutable laws of code and mathematics.
By tokenizing real-world assets—such as receivables, treasuries, or equities—we unlock trillions of dollars in trapped capital and open it to a global marketplace of lenders and borrowers. The result is a 24/7 flow of funds, free from the friction of traditional rails. For small businesses, this means getting paid weeks or months earlier. For larger institutions, it means deploying funds into a diversified lending ecosystem with less counterparty risk.
THE OPPORTUNITY
The New World Infrastructure
PROBLEM
The world’s financial infrastructure was not built for autonomous execution.
It was built for paper, intermediaries, and human decision-makers.
As value shifts on-chain, the assumptions baked into traditional finance, delay, discretion, jurisdictional friction, are being replaced by programmable logic.
This creates one of the largest infrastructure gaps in modern history.
At the center of this gap are four systemic constraints:
Surveillance Rails
Centralized systems control access to money movement, enforcing compliance through opacity rather than proof.
Liquidity Gridlock
Capital is locked inside slow contracts and fragmented systems, inaccessible to agents who can act on it.
Fragmentation
Value is split across private ledgers, public blockchains, and off-chain documents—with no universal layer to unify them.
Restricted Access
Institutions retain discretion over who can issue, transact, or participate—turning financial systems into permissioned networks.
Mint recognizes that the next quantum leap in this liquidity revolution is on-chain lending. On-chain lending is the most transformative financial breakthrough since central banking, the engine driving one of the largest asset shifts in history. Rather than relying on fragmented systems, businesses and individuals gain instant, reliable, and permissionless liquidity—powered by the immutable laws of code and mathematics.
By tokenizing real-world assets—such as receivables, treasuries, or equities—we unlock trillions of dollars in trapped capital and open it to a global marketplace of lenders and borrowers. The result is a 24/7 flow of funds, free from the friction of traditional rails. For small businesses, this means getting paid weeks or months earlier. For larger institutions, it means deploying funds into a diversified lending ecosystem with less counterparty risk.
THE OPPORTUNITY
The New World Infrastructure
PROBLEM
The world’s financial infrastructure was not built for autonomous execution.
It was built for paper, intermediaries, and human decision-makers.
As value shifts on-chain, the assumptions baked into traditional finance, delay, discretion, jurisdictional friction, are being replaced by programmable logic.
This creates one of the largest infrastructure gaps in modern history.
At the center of this gap are four systemic constraints:
Surveillance Rails
Centralized systems control access to money movement, enforcing compliance through opacity rather than proof.
Liquidity Gridlock
Capital is locked inside slow contracts and fragmented systems, inaccessible to agents who can act on it.
Fragmentation
Value is split across private ledgers, public blockchains, and off-chain documents—with no universal layer to unify them.
Restricted Access
Institutions retain discretion over who can issue, transact, or participate—turning financial systems into permissioned networks.
Mint recognizes that the next quantum leap in this liquidity revolution is on-chain lending. On-chain lending is the most transformative financial breakthrough since central banking, the engine driving one of the largest asset shifts in history. Rather than relying on fragmented systems, businesses and individuals gain instant, reliable, and permissionless liquidity—powered by the immutable laws of code and mathematics.
By tokenizing real-world assets—such as receivables, treasuries, or equities—we unlock trillions of dollars in trapped capital and open it to a global marketplace of lenders and borrowers. The result is a 24/7 flow of funds, free from the friction of traditional rails. For small businesses, this means getting paid weeks or months earlier. For larger institutions, it means deploying funds into a diversified lending ecosystem with less counterparty risk.
THE SOLUTION
Liquidity Pipes for Modern Capital
Mint ingests verified obligations, validates them on‑chain, and exposes a funding method any agent can call, no underwriting, no paperwork, no wait.
Key distribution levers
Shadow OAuth: Operate in SaaS shadow layer via OAuth; no marketplace gatekeepers.
Borrowed Supply: Tap invoices already resident in SMB ledgers.
Clickless CAC: 30‑second consent click replaces multi‑week sales cycles.
Adaptive LLMs: One model auto‑maps fields across UI drift, scaling connectors before APIs lock down.
THE SOLUTION
Liquidity Pipes for Modern Capital
Mint ingests verified obligations, validates them on‑chain, and exposes a funding method any agent can call, no underwriting, no paperwork, no wait.
Key distribution levers
Shadow OAuth: Operate in SaaS shadow layer via OAuth; no marketplace gatekeepers.
Borrowed Supply: Tap invoices already resident in SMB ledgers.
Clickless CAC: 30‑second consent click replaces multi‑week sales cycles.
Adaptive LLMs: One model auto‑maps fields across UI drift, scaling connectors before APIs lock down.
THE SOLUTION
Liquidity Pipes for Modern Capital
Mint ingests verified obligations, validates them on‑chain, and exposes a funding method any agent can call, no underwriting, no paperwork, no wait.
Key distribution levers
Shadow OAuth: Operate in SaaS shadow layer via OAuth; no marketplace gatekeepers.
Borrowed Supply: Tap invoices already resident in SMB ledgers.
Clickless CAC: 30‑second consent click replaces multi‑week sales cycles.
Adaptive LLMs: One model auto‑maps fields across UI drift, scaling connectors before APIs lock down.
STRATEGY
The Winner-Take-All Network Effects
The internet scaled because of a single standard: TCP/IP.
Mint plays the same role for capital.
It enables verified value to move between systems—without custodians, approvals, or friction.
The market potential exceeds the combined value of all internet companies.
Capital is larger than content.
Finance is the protocol layer of global coordination—and it has no standard.
SCALE
Unify Fragmented Systems
The future of tokenized assets isn’t confined to public chains.
Banks, governments, and enterprises are building their own ledgers.
Mint integrates across them—public and private—using cryptographic verification as a universal logic layer.
This positions Mint as the default rail between systems that do not trust each other.
STABILIZE
Build for Throughput and Continuity
As transaction volume compounds, the system must remain performant.
Mint is engineered for atomic execution, deterministic outcomes, and composability across environments.
RATIONALIZE
Standardize the Global Transfer Layer
Mint replaces ad hoc integrations with a unified messaging and execution standard.
It eliminates fragmentation between fiat, tokenized assets, and cross-chain protocols.
The result is a globally addressable environment where any asset can move, settle, and be reused—instantly.
STRATEGY
The Winner-Take-All Network Effects
The internet scaled because of a single standard: TCP/IP.
Mint plays the same role for capital.
It enables verified value to move between systems—without custodians, approvals, or friction.
The market potential exceeds the combined value of all internet companies.
Capital is larger than content.
Finance is the protocol layer of global coordination—and it has no standard.
SCALE
Unify Fragmented Systems
The future of tokenized assets isn’t confined to public chains.
Banks, governments, and enterprises are building their own ledgers.
Mint integrates across them—public and private—using cryptographic verification as a universal logic layer.
This positions Mint as the default rail between systems that do not trust each other.
STABILIZE
Build for Throughput and Continuity
As transaction volume compounds, the system must remain performant.
Mint is engineered for atomic execution, deterministic outcomes, and composability across environments.
RATIONALIZE
Standardize the Global Transfer Layer
Mint replaces ad hoc integrations with a unified messaging and execution standard.
It eliminates fragmentation between fiat, tokenized assets, and cross-chain protocols.
The result is a globally addressable environment where any asset can move, settle, and be reused—instantly.
STRATEGY
The Winner-Take-All Network Effects
The internet scaled because of a single standard: TCP/IP.
Mint plays the same role for capital.
It enables verified value to move between systems—without custodians, approvals, or friction.
The market potential exceeds the combined value of all internet companies.
Capital is larger than content.
Finance is the protocol layer of global coordination—and it has no standard.
SCALE
Unify Fragmented Systems
The future of tokenized assets isn’t confined to public chains.
Banks, governments, and enterprises are building their own ledgers.
Mint integrates across them—public and private—using cryptographic verification as a universal logic layer.
This positions Mint as the default rail between systems that do not trust each other.
STABILIZE
Build for Throughput and Continuity
As transaction volume compounds, the system must remain performant.
Mint is engineered for atomic execution, deterministic outcomes, and composability across environments.
RATIONALIZE
Standardize the Global Transfer Layer
Mint replaces ad hoc integrations with a unified messaging and execution standard.
It eliminates fragmentation between fiat, tokenized assets, and cross-chain protocols.
The result is a globally addressable environment where any asset can move, settle, and be reused—instantly.
Conclusion
Phase One of the Master Plan
Build cross-system settlement rails
Develop infrastructure that connects banks, agents, and blockchains into a unified execution layer.
Consolidate financial workflows
Standardize and streamline liquidity systems for high-growth markets, reducing complexity and operational drag.
Establish a global transfer standard
Define a machine-readable protocol for value movement across both traditional and blockchain systems.
Through the immutable laws of code and mathematics, we now have the tools to scale an equitable financial system—one capable of reaching billions and maximizing human freedom.
Conclusion
Phase One of the Master Plan
Build cross-system settlement rails
Develop infrastructure that connects banks, agents, and blockchains into a unified execution layer.
Consolidate financial workflows
Standardize and streamline liquidity systems for high-growth markets, reducing complexity and operational drag.
Establish a global transfer standard
Define a machine-readable protocol for value movement across both traditional and blockchain systems.
Through the immutable laws of code and mathematics, we now have the tools to scale an equitable financial system—one capable of reaching billions and maximizing human freedom.
Conclusion
Phase One of the Master Plan
Build cross-system settlement rails
Develop infrastructure that connects banks, agents, and blockchains into a unified execution layer.
Consolidate financial workflows
Standardize and streamline liquidity systems for high-growth markets, reducing complexity and operational drag.
Establish a global transfer standard
Define a machine-readable protocol for value movement across both traditional and blockchain systems.
Through the immutable laws of code and mathematics, we now have the tools to scale an equitable financial system—one capable of reaching billions and maximizing human freedom.
© 2025 Mint Vault Inc | hello@mint.us
© 2025 Mint Vault Inc | hello@mint.us
© 2025 Mint Vault Inc | hello@mint.us