머니또 is a lifestyle app designed to help users collect points effortlessly. By utilizing a map feature, users can easily locate nearby points of interest and accumulate points. Sending virtual pets out to collect points on users' behalf is a unique feature, allowing for point accrual even while stationary. The app also incentivizes walking by tracking steps taken and rewarding users accordingly. Users can evolve their virtual pets by completing missions, enhancing their abilities for faster rewards. Customizing pets with different skins adds a fun touch to the experience.

머니또 offers practical rewards such as gift cards from popular brands like Starbucks and Baskin Robbins, providing a variety of options for users to redeem their accumulated points.