Fun bold logo for revolutionary payment system

PicoMoney

We are a small company working on a revolutionary new payment system for designers, programmers, charities and small businesses.

Our system is based on virtual currencies similar to what is seen in games as well as credits used by mobile phone companies.

The Pico in our name signifies small. This does not mean we are a micro payment company. Rather the small signifies a small currency. Payments are more likely to be large as in what a designer receives for a job.

Designers, programmers, small businesses, community activists, open source projects and charities.

See attached screen shot for an example of our current website design or go to http://picomoney.com/picos/all

Our main color scheme is
brown background #482F25
gold text #FDEA1F

we also use shades of the above brown and white and black.

The font we use is:
http://typekit.com/fonts/refrigerator-deluxe

The logo should not include name but feel free to include it to the right of the logo as an example.

We want a fun, maybe slightly cartoonish but bold logo using the above yellow, white and black. It should work well on the brown background but should work on any background including white.

We want the logo to symbolize small money. You could use a coin with something symbolizing small or friendly or human or community on it's face. Maybe a stylized human pictogram turned into a currency symbol.

While we want to show something to do with money we are not interested in most symbolism normally associated with banks, such as doric columns, eagles, blue, green etc.

Please no clip art.

Deliverables are:
png's with vertical heights 40px, 80px, 100px, 160px, 200px, 320px, 400px
svg (or AI but SVG is preferred)