Software, not a
financial intermediary.
Mintware builds the tools; users hold their own keys and act for themselves. Future fiat and card settlement require licensed partners. This page explains the current testnet product and sets out the risks you should understand before using it.
What Mintware is
Two products, one posture: a non-custodial software and infrastructure provider. Mintware operates (a) an interface and coordination layer for on-chain liquidity provision — reputation-adjacent LP vaults on Uniswap v4 — and (b) an on-chain reputation analytics engine (Attribution) that scores public wallet behaviour. In both, the user interacts directly with smart contracts using a wallet they control. Mintware runs the front-end, the analytics, and the off-chain plumbing that helps those contracts do their job. It never runs the money.
The distinction that carries the whole framework: Mintware provides tooling and information; it does not take custody, does not move fiat, and does not act as anyone’s financial agent. Everything below is a consequence of holding that line.
A vault position is built around actual use, not passive waiting — the same wallet position that provides liquidity is the one you spend against through the platform’s card and settlement tools. It is a position in a service you use, not a fund you invest in and leave alone.
The six bright lines
Our structure is defined by a set of things Mintware deliberately does not do. Each one keeps a whole category of regulated activity from attaching to the software.
Non-custodial — we never hold keys or assets
No crypto ↔ fiat — we never convert
No trading on users’ behalf — they self-direct
No promise of return — we are not a deposit-taker
Reputation is information — not advice or a credit decision
First-loss capital is the team’s own — never sold to depositors
How each regime is kept from attaching
For each regulated category: what typically triggers it, and the product decision that keeps Mintware on the software / interface side of the line.
| Regime | What triggers it | Why it doesn’t attach to Mintware |
|---|---|---|
| Money transmission / MSBFinCEN · state MTLs | Accepting and transmitting value; converting or handling fiat; custodial wallet services. | No custody, no fiat, no pooled user money. The fiat and settlement legs are performed by the licensed partners. |
| Custody / trust company | Holding, controlling, or safeguarding client assets. | Keys never leave the user (Privy self-custody). Assets live in the user’s wallet or in autonomous contracts. |
| Broker-dealer / exchangeSEC | Operating a marketplace for, or effecting transactions in, securities. | Not matching buyers and sellers of securities or running an exchange — it is an interface to a public AMM protocol. The SEC’s September 2026 “Innovation Exemption” for permissioned AMM trading of tokenized securities is a further signal of where the regulatory environment is heading for this market-structure paradigm generally — it is not a claim that Mintware operates under that exemption, since Mintware does not trade securities. |
| Investment adviser / commodity-poolSEC · CFTC · NFA | Managing others’ assets for compensation with discretion; pooling for collective trading. | No discretionary authority; vault behaviour is deterministic, disclosed, protocol-level code the user opts into — not a managed account. |
| Securities / deposit-takingHowey · banking | An investment of money in a common enterprise with profit expected from others’ efforts; or taking deposits; or a note-like promise of a fixed/guaranteed return. | An LP position is participation in an autonomous pool (like being an LP anywhere), and yield — including MEV/fee capture — is protocol-native and unrestricted, not a return promised by, or from the efforts of, Mintware. Where a vault has a protected/first-loss split, protection is fixed contract priority, never a guarantee, and first-loss capital is the team’s own — never a security sold to a second class of investors. |
Who carries which licence
The classic licence-triggering functions — fiat, cards, stablecoin issuance — are deliberately not ours. They belong, contractually and operationally, to regulated counterparties.
Arc and Circle were explored for a future USDC settlement flow; this is not the current MarketEngine payment rail.
Card issuance and settlement are not live through Mintware. No purchase authorization, merchant settlement, or customer card-buffer refill is currently supported.
Embedded-wallet key management and auth — keys stay under the user’s control. Reinforces non-custody and shrinks Mintware’s security and data surface.
Builds the MarketEngine interface and supporting software. The current testnet pool uses tUSDG/tPONS; adapters hold test assets without earning yield.
The single most important structural choice is here: the fiat / card / stablecoin legs — the usual money-transmission and banking triggers — are handled by entities that hold those licences. Mintware is the technology layer above them.
Risk disclosures
Please read these before using anything on the platform. They describe the risks you take on — using DeFi software carries real risk, including loss of value.
Testnet and unaudited — do not deposit real value
MarketEngine is live on Robinhood Chain testnet with the tUSDG/tPONS test pool; its adapters hold test assets without earning yield. Other vault and payment components are tested on Base Sepolia. Contracts are unaudited, and no real customer funds are supported. Do not send real funds to a Mintware contract or interface. Bridge + Stripe card integrations are in development: a purchase is not authorized or settled through Mintware today.
A vault balance is not a bank deposit
Senior/junior tranches are a roadmap design, not a currently available product. No live MarketEngine position has a senior claim or first-loss junior tranche. Any future vault balance would be a claim on an autonomous smart-contract vault, not a bank account or insured balance.
No promised or guaranteed return
MarketEngine’s Robinhood Chain testnet adapters hold assets without earning yield. Future vault designs may seek protocol-native returns, which would vary with market conditions; Mintware does not promise or guarantee a return. Historical testnet records and illustrative figures are not future results.
Smart contracts carry risk, including total loss
Smart contracts can contain bugs, be exploited, or behave unexpectedly; bridges, oracles, and third-party protocols add further risk. You could lose some or all of the value you interact with. Because Mintware is non-custodial, you are solely responsible for your wallet, keys, and transactions — we cannot recover, reverse, or freeze them.
Providing liquidity carries impermanent loss
MarketEngine is live on Robinhood Chain testnet with unaudited code and test assets (tUSDG/tPONS). Testnet adapters hold assets without yield. A pool position can change in value with token prices and may suffer impermanent loss; testnet activity does not represent a real-value return. No spendable-yield feature is currently available. An external audit is required before real value is supported.
The stablecoin issuer can freeze or wipe balances
MarketEngine’s current Robinhood Chain testnet pool uses test assets tUSDG and tPONS, not Paxos-issued USDG. Test tokens have no real value. A future pool using an issuer-controlled stablecoin could be affected by that issuer’s pause, freeze, or wipe controls; those powers would belong to the issuer, not Mintware.
A paired token’s own controls can delay the liquidity leg
The current MarketEngine test pool pairs tUSDG with tPONS, test assets on Robinhood Chain. MarketEngine is designed for curated pools, but token contracts can have controls such as pausing, freezing, minting, or upgrades. Such controls could block transfers or withdrawals. Testnet adapters hold assets without yield; testnet activity does not establish how a future pool would behave with real assets.
A protected position is a priority claim, not a guarantee
Senior/junior protection is a future vault design and is not part of the current MarketEngine testnet pool. If introduced, priority would describe payment order in contract code, not a guarantee of repayment; losses could exceed any first-loss balance.
Not investment, legal, or tax advice
Nothing on this site or in the product is investment, legal, accounting, or tax advice, an offer or solicitation to buy or sell any asset, or a recommendation of any strategy. Reputation scores are informational analytics over public on-chain data — not eligibility or credit decisions. Do your own research and consult your own qualified advisers.
Availability and eligibility
Mintware is not offered where its use would be unlawful, and access may be restricted or geofenced in certain jurisdictions. It is your responsibility to ensure that your use complies with the laws that apply to you.
The entity
Mintware operates as a Delaware LLC — a single US company that builds the app, employs the team, and faces users. Around it sits a Terms of Service and risk disclosure stating non-custody, no advice, protocol-native (not promised) yield, user responsibility, prohibited jurisdictions, and dispute terms; written agreements with the stablecoin and card partners making them the regulated party of record; and key-management governance (multisig on upgrade/admin keys; scoped, time-locked operational keys that cannot move user funds).
This is information, not legal advice, and creates no relationship, offer, or guarantee. The MarketEngine is live on Robinhood Chain testnet; its adapters hold test assets without yield. Contracts are unaudited. Terms and disclosures may change as the structure, partners, and product evolve.
Mintware · Legal & Disclosures · Proof of life →