International Meme Fund (IMF) is a decentralized credit protocol on Ethereum that flips the script on traditional finance by accepting memecoins as collateral. Instead of relying on stable assets, IMF treats meme-driven tokens like $PEPE or $MOG as credible signals of community conviction. Through isolated lending vaults built on Morpho, users can unlock stablecoin liquidity while holding onto their favorite digital jokes. This system turns the volatility of memes into a productive financial layer.
IMF introduces a novel stablecoin called $MONEY, soft-pegged to $6.90—a cheeky nod to meme culture’s humor and irreverence. Borrowers mint $MONEY against their meme-backed vaults, allowing access to liquidity without selling core holdings. Credit markets are pooled but isolated, minimizing contagion risk between assets while enabling flexible leverage. The system blends high-risk assets with risk-managed design, giving power to communities over capital allocation.
At the heart of IMF’s protocol lies the $IMF token, used for governance and strategic decision-making. Holders determine how liquidity is distributed across markets and vote on vault configurations or parameter tweaks. This structure empowers holders of the most chaotic tokens to participate in structured financial engineering. It’s democracy, but with memes and vaults instead of ballots and banks.