My2Centz - The Microtipping Platform for the Creator Economy

PROBLEM #1

Small Payments Don't Work Online
(Infrastructure Failure)

In the physical world, giving a few cents is trivial.
Online, small payments are structurally broken.

Standard payment processors charge fixed per-transaction fees (≈ $0.30 + ≈ 2.9%).
At small amounts, fees exceed the value of the tip itself.
As a result, sub-$1 payments are economically impractical online.

Conclusion: The internet lacks a viable mechanism for processing very small payments.

PROBLEM #2

Online Platforms Break Spontaneous Gratitude
(Behavioral Failure)

Human appreciation is immediate and situational — it happens in the moment.

Fans feel gratitude while watching or immediately after consuming content.
Online platforms force decisions that are too heavy for that moment (accounts, subscriptions, minimums).
The timing mismatch prevents spontaneous support, even when intent exists.

Conclusion: Digital systems interrupt the moment when fans are most willing to give.

PROBLEM #3

Creators Can't Monetize Early
(Outcome)

Because small, spontaneous contributions don't work online:

Emerging creators cannot capture early fan support.
Monetization is delayed until creators reach scale or platform thresholds.
Most creators earn little or nothing in their early stages.

Conclusion: Creators are locked out of income precisely when fan enthusiasm first appears.

THE SOLUTION:
MY2CENTZ

My2Centz brings small, casual, in-the-moment support from the real world online.

Fixes Small Payments

Fans top up once and make many microtips with no per-tip fees, making sub-$1 payments viable.

Restores Spontaneity

Fans can give when appreciation is felt, without subscriptions or high minimums.

Enables Early Creator Income

Creators earn from day one, even with small audiences, through efficient weekly payouts.

Result: My2Centz makes 2¢ tips possible online - a new model for the creator economy.

HOW IT WORKS – FOR FANS (1/2)

Sign Up and Get Started

Step 1: Sign Up and Get Free Credit

Fans create a My2Centz account and receive 10¢ in free credit.
That's enough to make five 2¢ tips right away.

Step 2: Top Up Once

Fans can add money to My2Centz in advance (for example: $2, $5, or $10).

Top-ups use standard payment methods:

Bank/ACH (low fee, slower)
Credit/Debit Card (higher fee, instant)

These fees apply once per top-up, not per tip.

HOW IT WORKS – FOR FANS (2/2)

How 2¢ Tips Work

Step 3: Tip from Your Balance

Fans tip creators directly from their My2Centz balance.

Tips can be as small as 2¢
Tips happen instantly
There are no per-tip transaction fees

Step 4: Support in the Moment

Because tipping doesn't trigger a new payment each time:

Fans can give while watching or right after consuming content
No subscriptions
No minimum pledges
No "is this worth $5?" decision

Fans can casually and spontaneously support many creators, with tips as small as 2¢ - without paying a fee on small act of appreciation.

WHY 2¢ TIPS WORK (THE MATH)

Traditional Payment Systems Make Microtips Impossible

A single 2¢ tip through standard card processing:

Processing fee: ~$0.30 + ~2.9% ≈ $0.3058
The processing cost exceeds the tip itself.

This is why most platforms set minimum tip amounts of $1–$5.

My2Centz Makes In-the-Moment Microtips Economically Viable

A fan deposits $5 once → enables up to 250 × 2¢ tips over time:

One deposit fee: ~$0.04 (ACH) or ~$0.44 (card)
250 internal ledger tips: $0 (no per-tip fees)
One weekly blockchain payout: on the order of ~$0.0001 gas per creator

Conclusion: Batching converts many tiny tips into a small number of real transactions.

WHAT THE ECONOMICS LOOK LIKE AT 2¢

Platform & Creator Economics

A platform fee of ~9%, applied only when creators get paid
$5 in tips → $0.45 platform revenue
Creator receives $4.55 in USDC (91%)
All other costs at or below break-even

What This Means at the Tip Level

2¢ tip: fan pays ~$0.002–$0.004 in fees per tip (amortized) vs $0.30+ traditionally
Creator keeps 1.82¢ (91%), even at 2¢ scale
Platform profitable on every transaction
No minimum viable tip amount

One deposit fee + zero per-tip fees + one withdrawal = 2 - 3 transactions instead of 250+

HOW IT WORKS – FOR CREATORS

STEP 1: Sign Up

Choose your handle: @MaxMonies
Get your wallet automatically, with no crypto knowledge needed

STEP 2: Share Everywhere

Post your handle: my2centz.com/@MaxMonies
Add QR codes: streams, bios, merch, social media
YouTube • Twitch • TikTok • Instagram • Podcast notes

STEP 3: Collect Tips

Tips instantly credited to your ledger
Tips (minus ~9% M2¢ fee) deposited into your wallet weekly when gas fees are low

STEP 4: Pick your payout:

Keep as stablecoin in wallet for no additional fees
Convert to cash for a transaction fee. To maximize your income, convert to cash at higher thresholds.

Day 1 revenue. No subscriber requirements.

CREATOR ECONOMICS

Microtips create incremental revenue on top of existing platforms.

For kids content, 1M YouTube views generates ~$500–$1,000 in ad revenue.
Microtips from even a small fraction of viewers can meaningfully add to that.

Example Scenarios (Assumption: 5¢ average tip)

1M views, 1% tip rate = 10,000 fans × 5¢ = $500
1M views, 2% tip rate = 20,000 fans × 5¢ = $1,000
1M views, 5% tip rate = 50,000 fans × 5¢ = $2,500

Even modest engagement can match or exceed ad revenue — and can begin immediately, without subscriber or eligibility thresholds.

If the average tip rises to 10¢ as fans become comfortable with the platform, these numbers double.

SMALL CREATOR IMPACT

Microtips can be impactful even without large audiences

Example: Mid-Tier Musician (5,000 subscribers with 10% engagement)

Song Releases

Per release: 500 fans tip 25¢ on a new song = $125 per song ($113.75 net)
Annual output: 20 songs per year = $2,500/year ($2,275 net)

Ongoing, Casual Support

1,000 fans tipping a few times per year = $1,000 - $2,000/year ($910–$1,820 net)
1,000 loyal fans giving $1/month = $12,000/year ($10,920 net)

Sustainable creator income does not require virality — it comes from small, repeat support across an engaged audience.

WHAT M2¢ DOES: ACCOUNT & PLATFORM

Fan Sign-Up & Account Management

Creates a My2Centz (M2¢) account
Deposits fiat; balance is tracked internally by M2¢
Tips are deducted from the balance in real time

Creator Sign-Up & Wallet Management

Creates an M2¢ account with a public handle (e.g., @MaxMonies)
A non-custodial wallet is auto-generated (creator-owned; no crypto knowledge required)
Wallet receives weekly USDC payouts

Platform & Discovery

Web (my2centz.com) and native apps (iOS / Android)
Creator discovery and fan dashboards
Optional parental controls and social features

WHAT M2¢ DOES: THE INFRASTRUCTURE

Batching Infrastructure

Fan-side: One deposit funds many tips (e.g., 90+ tips → one processing fee)
Creator-side: Creator payouts are batched and executed once per week
Payouts run during a low-gas window (e.g., Saturday ~3am EST)
M2¢ covers all blockchain gas fees

Internal Ledger

Tracks fan balances and tips in real time
Zero per-tip transaction fees
Accumulates creator earnings internally throughout the week

Payment Rails

Fiat on-ramp: Stripe (or other fiat on-ramp) → M2¢ internal balance (fan deposits)
Blockchain settlement: M2¢ → USDC to creator wallets (weekly, batched)
Fiat off-ramp: USDC → bank account (creator-initiated conversion)
Third-party processing fees are passed through at cost, with no markup

Revenue Model

M2¢ earns ~9%, applied only when creators get paid
No other platform fees

WHERE EVERY DOLLAR GOES (1/2)

Complete Fee Transparency at Every Step

STEP 1: Fan Tops-Up Account (Example: $5.00)

Credit / Debit Card (Instant)

Processing fee: $0.445 (2.9% + $0.30, passed through at cost)
Fan balance: $4.56 M2¢ available for tipping
~91% of the deposit goes to tipping

Bank Transfer / ACH (2–3 days)

Processing fee: $0.04 (0.8%, passed through at cost)
Fan balance: $4.96 M2¢ available for tipping
~99% of the deposit goes to tipping

STEP 2: Tipping (Zero Per-Tip Fees)

Fans tip from their M2¢ balance
Tips are recorded in the internal ledger only
Multiple tips can be sent with zero per-tip processing fees

WHERE EVERY DOLLAR GOES (2/2)

STEP 3: Weekly Creator Payout (Batched settlement during a low-gas window)

Example: Creator earned $20 this week

M2¢ platform fee: ~9% = $1.80 (our only revenue)
Blockchain gas: ~$0.0001 (covered by M2¢)
Creator receives: $18.20 USDC to their wallet (91%)

STEP 4: Creator Converts to Cash (Optional)

Creators may keep funds in USDC or convert to fiat at any time.

Conversion + ACH fees: ~$1.13 (third-party, passed through at cost)
Creator receives: ~$17.07 in bank
~85% of the original $20 reaches cash

The Beauty of Batching

One fan deposit fee

zero per-tip fees
one creator withdrawal

= 2–3 total transactions instead of 250+

M2¢ earns money only when creators get paid. All other fees are passed through at cost.

THE M2¢ APP - FAN HUB

My2Centz is a fan's dashboard for following and supporting their favorite creators.

Musicians • YouTube • Twitch • Artists • Podcasters

See updates and links from creators you follow
Send microtips from your favorites list with one tap

Discovery & Engagement

Creator discovery (e.g., "Fans of X also support Y")
Optional gamification: streaks, badges, leaderboards

Designed for Everyone

No crypto knowledge required
All blockchain complexity is handled by the platform

Just as Venmo made payments social, My2Centz makes creator support social.

THE M2¢ APP – UI DRIVES ENGAGEMENT

My2Centz uses simple UI choices to encourage appropriate tip amounts for different moments.

Just like suggested amounts on a coffee shop register, three button groupings help fans choose quickly without friction.

Suggested Tip Ranges by Context

2¢ • 5¢ • 10¢: Discover a new creator, give a quick shout-out, or add them to your roster

10¢ • 25¢ • 50¢: Show ongoing appreciation for creators you regularly support

$1+: Bigger moments: album releases, special content, birthday gifts

Why This Works

Many users select a default or middle option when presented with clear choices
Defaults are designed to encourage meaningful but still low-friction support
Even a 25¢ average tip remains 2–10× lower than typical competitor minimums

Result

Discovery feels free and playful (2¢–10¢ range)
Engagement feels meaningful (10¢–50¢ range)
Creators can earn sustainable income from repeat support
Fans don't feel like support is an expensive habit

THE M2¢ APP – FAMILY SAFE

Parents Control Every Dollar

Spending Controls

Set monthly spending caps for kids
Approve all top-ups
Set maximum tip amounts per action
Set daily limits on tips to a single creator

Ongoing Support

Enable automatic monthly tipping for parent-approved creators

Content Controls

Whitelist kid-friendly creators only
All-ages content filtering

Children's channels monetize safely, while parents retain full financial control.

THE COMPETITION – PATREON (MARKET LEADER)

Patreon demonstrates strong demand for direct fan support, but its model does not support microtipping.

Scale

~$2.5B paid by fans annually
~144M transactions per year

Economics

Patreon platform fee: 10% (~$250M)
Payment processing fees (variable by transaction size and method)
Creators receive approximately ~85–90% net, depending on payout method

Structure

Primarily subscription-based support
Typical minimums: $1/month, with common tiers at $5–$10/month

Limitation

Sub-$5, casual contributions are economically inefficient due to fixed per-transaction costs.

Patreon proves demand for fan-funded creators — but its subscription model and fee structure prevent true microtipping.

THE COMPETITION – LIMITATIONS

PayPal Micropayments

5% + $0.05 per transaction
No creator discovery or fan features
Not adopted for casual creator microtipping

Ko-fi

0% platform fee (Free) or $12/month + 5% (Gold)
Still pays payment processing (~2.9% + $0.30)
Practical minimum tip: ~$3 (fixed fees overwhelm smaller amounts)

Buy Me a Coffee

5% platform fee plus payment processing (~2.9% + $0.30)
Practical minimum tip: ~$3 (fixed fees overwhelm smaller amounts)

Key Limitation: Ko-fi and Buy Me a Coffee demonstrate demand for fan-to-creator tipping, but their fee structures make sub-$1 microtipping economically impractical at scale.

My2Centz enables sub-$1 tips through batching:

2¢ minimum tip
~9% platform fee, applied only at payout
No subscriptions required

WHY NOW? THE OPPORTUNITY

The Creator Economy Is At An Inflection Point

A $250B+ creator economy exists, but casual fan support remains rare due to high minimums and friction
Stablecoin infrastructure now enables value transfer without fixed per-transaction fees that previously broke microtips
Platforms already support external tipping and creator handles, lowering adoption friction

The tech stack finally exists to make 2¢ tips economically viable.

First-Mover Advantage: No mainstream consumer platform has enabled sub-$1 tipping at scale with sustainable unit economics.

GLOBAL ARCHITECTURE

Launch Markets: Americas + Europe

Fans deposit in local currency
Payment processors convert to USD, then to USDC for settlement
Single blockchain rail supports all markets
Creators receive USDC and may convert to local currency
FX and conversion fees (~1–3%) passed through at cost

Phase 1 Markets: United States • Canada • Mexico • Brazil • EU • UK

Covers English and Spanish audiences
Operates in regions with established payment infrastructure

Expansion:

Additional markets added as regulatory frameworks allow

This is not regional expansion of separate systems — it is one global settlement infrastructure, activated market by market.

My2Centz.com

Concept and product design by Michael Mennies

Get In Touch

michaelmennies@gmail.com

www.linkedin.com/in/michaelmennies

The Microtipping Platform for the Creator Economy