> For the complete documentation index, see [llms.txt](https://money-tree.gitbook.io/money-tree/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://money-tree.gitbook.io/money-tree/welcome-to-the-future-of-defi.md).

# Welcome to the Future of DeFi

![](https://2612091701-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FpC0zyxrslTVTJNPGatgX%2Fuploads%2F8DVP2OkCVSxytgya76V6%2FMoneyTree%20Banner.png?alt=media\&token=96e54c28-6766-4a02-b413-cfbb1a19cf05)

## What is Money Tree ?

Money Tree is a decentralized CRO miner Reward Pool smart contract built on the Cronos Blockchain. We offer users the chance to access financial freedom by building on the concepts of smart contract pools and compounding.  \
Investors purchase Money Trees from the smart contract pool. These trees produce fruit at a constant rate over time. This fruit can then be Harvested (i.e. sold to the contract for CRO tokens), or Re-Planted/ compounded (i.e. added to an investors initial amount of trees and continue to grow more fruit to be harvested at a later point in time). \
Imagine buying and planting 100 trees in the morning, and then waking up 24 hours later to see that those trees produced enough fruit for you to either plant 8 more trees, or sell your harvest in the market for the equivalent of 8 trees. \
Now say that you decided to Re-Plant those 8 trees and allow them to produce fruit for another 24 hours. After repeating this process over the course of 3 short days, you have increased the size of your garden from 100 trees to 126 trees through the power of compounding. This in short, is Money Tree. \
Passive income that possess the power to grow into massive amounts of wealth over time. 

#### Invest your CRO tokens in Money Tree and enjoy watching your Cronos grow by the hour.

### Botany

**ROI (Return on Investment)**

Up to 8% daily or (2920% annually)

**Referrals**

Earn 12% of the Trees invested from anyone using your referral link.

**Fees**

2% Dev fee \
On deposits and withdrawals. There's no reinvestment fee (i.e. compounding is free).\
\
\*Investors are eligible to receive a 50% discount on fees by holding tokens and NFTs from our partners.\
\*\*Trees stop producing fruit if there is no Re-Planting, or Harvesting in 12.5 days