One economic system
MOMONIE connects demand, trust, operations, money and intelligence instead of adding another isolated tool.
INVESTOR INTRODUCTION · PRE-REVENUE
The first end-to-end CFO engine for the solo economy.
MOMONIE democratizes business finance by transforming everyday work, payments and expenses into connected financial statements and plain-language CFO intelligence—without requiring the owner to become a bookkeeper.
Business made stupidly simple—from the first quote to the full financial picture.
SAMPLE ACTIVITYCFO ENGINE
You did the work.
Know what you made.
✦ MOMONIE NOTICED
Your monthly report is ready: profit and loss, balance sheet and cash flows—explained clearly.
THIS MONTH$14,250
YOU KEPT$10,940
CATEGORY THESIS
Solo businesses do not need eight disconnected products.
They need continuity: one governed system that understands how demand becomes work, how work becomes money, and how money becomes durable economic intelligence.
Get establishedGet discoveredGain customersQuote & workInvoice & get paidTrack expensesGenerate three statementsBuild Financial DNA
WHY MOMONIE
Not another point solution. An operating and intelligence layer.
CFO-built logic
The product begins with economic continuity and decision usefulness—not bookkeeping screens or a generic chatbot.
Governed AI execution
Maria can prepare actions across the system, but consequential changes stop for human review and confirmation.
Compounding Financial DNA
Every genuine job, payment and expense can strengthen a longitudinal picture of how the business actually works.
Reciprocal trust
Business and customer identity, secure interaction and deliberate sharing are designed into the same workflow.
Built for motion
A business in your pocket for owners who sell, serve and build without a back office.
THE PRODUCT TODAY
Launch-close, with three-statement reporting and final commercial rails next.
The core operating system is built. The financial-reporting completion turns its economic record into a shareable monthly business report.
BUILT & VALIDATEDOperating cycle + governed MariaDiscovery, trust, customers, quotes, jobs, invoices, payments, expenses, financial views and confirm-before-save actions.
PHASE ONE COMPLETIONThree-statement reportingProfit & Loss, Balance Sheet, Statement of Cash Flows and one plain-language monthly report.
EXTERNAL ACTIVATIONStripe + authentic VeriffArchitecture exists; credentials, live objects and end-to-end external validation remain pending.
NARRATED INVESTOR JOURNEY · 1/7
The invisible economy
Solo business owners do the work and carry the back office. Their customers, jobs, money and decisions are scattered across messages, spreadsheets and disconnected tools.
MOMONIE MARKET OPPORTUNITY
Simultaneous NYC and UAE launch. Two concentrated distribution wedges.
The U.S. has 30.4 million nonemployer businesses generating $1.8 trillion in annual receipts. Current BLS data separately identifies about 9.7 million unincorporated self-employed workers.
180,000+ small businesses. One million workers.
Use New York’s active-corporations dataset for segmentation, then reach owners through enrichment, associations, professional networks and direct engagement with the city’s Small Business Commissioner and Mom-and-Pop Czar.
Sources: U.S. Census Bureau; BLS Table A-7, July 2026; NYC Mayor’s Office.
26 priority free-zone and ecosystem routes.
Offer each target a 30-day MOMONIE benefit it can extend to eligible registered freelancers and owner-operated businesses, supported by guided onboarding and a clear conversion path into paid plans.
Source: Founder Go-to-Market Aggregated Database.
BUSINESS MADE STUPIDLY SIMPLE.
No ledgers. No jargon. No spreadsheet on Sunday night. For U.S. solopreneurs: 1099-friendly. W-9 ready. Maria makes the money side simpler.
BUSINESS MODEL
Subscription economics with a clear value ladder.
All plans begin with a 30-day free trial. Pricing shown in USD; localized presentation and billing availability depend on launch market and payment-provider activation.
MOMONIE Basic
$29.99 / month
Run the business and know what you made.
MOMONIE Pro
$49.99 / month
Growth intelligence, reactivation and deeper MOMONIE Noticed.
Pro + CFO Intelligence
$99.99 / month
Profitability, pricing, cash-flow and economic analysis.
Founding Member offer: first 500 eligible members receive 30 days free, then 12 months of Basic at $19.99/month.
FOUNDER & CHIEF EXECUTIVE OFFICER
Noor Sow
A CFO, investment strategist and public-finance leader translating more than 25 years across accounting, audit, tax, governance, technology and institutional capital into a CFO engine for people without a finance team or back office.
Operating credibility
Multi-billion-dollar public finance, statewide and municipal leadership, venture-scale strategy, and U.S.–UAE operating experience.
Education
Harvard Kennedy Senior Executive Fellow; Syracuse Maxwell Executive MPA; M.S. Accounting with audit, tax and information-systems training.
CAPITAL NARRATIVE
Move from launch-close to commercially live.
Capital would activate Stripe and authentic verification, harden launch infrastructure, extend engineering capacity, fund focused customer acquisition and company formation, and support the first key hires.
Immediate ask: a 20-minute strategic conversation. No funding amount or transaction terms are represented at this stage.
Review confidential materials