MMLTI1
Invest in MultiMoney's credit portfolio growth
Invest in the growth of MultiMoney's credit portfolio through MMLTI1, the first tranche of the MMY issuance programme, a public digital debt offering in El Salvador with a $100 minimum investment.
MultiMoney is a Salvadoran savings and credit institution (Sociedad de Ahorro y Crédito) supervised by the Superintendency of the Financial System (SSF), focused on delivering fast, accessible financial solutions. MMLTI1, the first tranche of the MMY issuance programme, pays 6.20% fixed annual interest, with interest paid monthly and principal due at the end of a 24-month term.
Investing is available exclusively through the TOHKN app.
Offering Summary
Key information to help you understand the offering before reviewing the official documents and detailed terms.
- Name
- MMLTI1
- Status
- Open
- Minimum investment
- $100 (1 token)
- First tranche amount
- Up to $2,000,000
- Token type
- Debt Token
- Underlying asset
- Credit claim of the debt token holder against Sociedad de Ahorro y Crédito Multimoney, S.A. (the Issuer)
- Rights represented
- Right to receive principal and interest under the terms of the issuance programme.
- Issuer
- Sociedad de Ahorro y Crédito Multimoney, S.A.
- Digital Asset Service Provider
- MIO3, S.A. de C.V.
- Jurisdiction
- El Salvador
- Issuance programme name
- MMY
- Maximum authorized programme issuance
- Up to $10,000,000
- Fixed annual interest rate
- 6.20% for the First Tranche
- Interest payment
- Monthly, in arrears
- Term
- 24 months for the First Tranche
- Blockchain
- Polygon
- Token standard
- ERC-3643
The complete information and final terms are contained in the Relevant Information Document (DIR) and the official documentation of the Programme. In case of any discrepancy, the Spanish version of the DIR and the official documents shall prevail.
The Offering
MMLTI1 is the first tranche of MultiMoney's MMY issuance programme (the “Issuance Programme”), designed for investors seeking access to a fixed-rate debt investment tied to a regulated financial institution in El Salvador.
MultiMoney is a savings and credit institution incorporated in 2013, supervised by the Superintendency of the Financial System (SSF) and regulated by the Central Reserve Bank of El Salvador. It offers financial products and services including deposit-taking, lending, and the administration of financial operations.
Its business model is oriented toward fast, accessible, technology-enabled financial solutions, with an emphasis on serving individuals and segments that need efficient financing alternatives.
MMLTI1, as the First Tranche of the MMY Issuance Programme, is part of MultiMoney's strategy to strengthen and expand its credit portfolio, allowing investors to participate through a regulated digital debt instrument available on TOHKN.
Through MMLTI1, investors acquire debt tokens representing a credit claim against MultiMoney. This entitles holders to receive principal and interest payments from MultiMoney under the terms and conditions of the Issuance Programme.
The MMLTI1 first tranche (the “First Tranche”) carries a 6.20% fixed annual interest rate, monthly interest payments, and a 24-month term. Principal is due at maturity, except in the early redemption cases defined in the Relevant Information Document (DIR) and the issuance programme agreements, which may be exercised at the Issuer's option only.
Proceeds will be used to strengthen, expand, and develop MultiMoney's ordinary financial intermediation operations, including the origination, granting, administration, and expansion of its credit portfolio.
Investing involves risk. Always review the DIR and the official offering documents before investing.
How MMLTI1 works
Each MMLTI1 token has a reference value of $100. When you invest through the TOHKN app, you acquire MMLTI1 debt tokens representing a credit claim against MultiMoney.
The tokens do not represent equity in MultiMoney or in its assets, and grant no voting rights, corporate rights, or direct ownership rights over the Issuer's assets.
Transfers and secondary market activity, if enabled, are subject to eligibility verification, KYC, KYB, KYT, and AML controls, and to the restrictions described in the official documents, including a 180-day trading restriction period from token acquisition. Liquidity is not guaranteed.
MMLTI1 pays interest monthly. Interest accrues from the effective token issuance date and is paid in arrears, successively, under the official terms of the issuance programme.
For the First Tranche, interest is payable on the last day of each month.
Principal is paid at the end of the 24-month term, unless an early redemption process applies at the Issuer's option under the DIR.
Payments are made in USDT or USDC through the TOHKN app.
How to invest
Getting started takes just a few minutes. Download the TOHKN app, create your account, complete verification, review the offering documents, and invest directly from the app.
Official Documents
The following documents contain the legal, financial, and operational information for this offering. You can review the DIR with its annexes, the certification report, the public offering notice, and the terms and conditions of the issuance programme.
Español
These documents are issued by the Issuer and may be updated in accordance with regulatory requirements or operational changes. We recommend reviewing the most recent version before investing.
About TOHKN
TOHKN is building a more open and inclusive investment ecosystem for Latin America, where anyone can access opportunities that were once limited to a few. We believe investing should be simple, transparent, and accessible, empowering people to grow their wealth with confidence. By combining education, technology, and a seamless user experience within a solid regulatory framework, TOHKN is redefining how the next generation participates in financial markets.
TOHKN is a registered trademark of MIO3, S.A. de C.V., a Digital Asset Service Provider authorized in the Republic of El Salvador (PSAD-0016). All services are provided by MIO3, S.A. de C.V. in accordance with the regulatory framework applicable to digital assets and under the supervision of the National Commission of Digital Assets (CNAD).
Frequently Asked Questions (FAQ)
Regulatory framework
This offering is structured and registered in accordance with El Salvador's Digital Assets Issuance Law (LEAD) and complies with the regulatory framework for public offerings overseen by the National Commission of Digital Assets (CNAD). MultiMoney is registered as an issuer before the CNAD under registration number EAD-0046. The MMY Issuance Programme is authorized for public offering under registration number AD-00252.
Legal Notice. The information contained regarding this offering is for informational purposes only and should not be construed as investment advice. Participation in this offering is subject to eligibility verification, acceptance of terms, and regulatory compliance within the TOHKN app. All investments involve risk, and decisions based on the offering information documents are the sole responsibility of the investor.