About Usual Money
Usual Money is a transparent, decentralized stablecoin protocol that channels genuine economic value back to its users and token holders — making ownership, yield, and governance available to all.
Reimagining Who Controls the Protocol
Conventional stablecoins drain value from their users. Banks and issuers pocket the yield generated by your deposits — leaving you with nothing. Usual Money was built to fundamentally change this reality.
By issuing stablecoins backed by real-world assets (RWAs) and channeling protocol revenues back to participants via the USUAL governance token, Usual Money aligns the incentives of users, liquidity providers, and long-term stakeholders alike.
Our mission is to build the most transparent, fully collateralized, and community-owned stablecoin ecosystem on Ethereum — where value flows to those who generate it.
"Stablecoins should serve the people who rely on them. Usual Money gives ownership, yield, and governance back to those who make the protocol possible."
How Usual Money Works
Usual Money operates the Usual Success Module — a transparent system where collateral is deployed into yield-bearing real-world assets, and the resulting revenue is shared with protocol participants. The entire collateral base is verifiable on-chain.
Provide Collateral
Users and institutions supply approved assets — from USDC to high-quality RWA instruments — to mint Usual Money stablecoins such as USD0, EUR0, and ETH0.
Produce Yield
Collateral is deployed into institutional-grade, yield-bearing instruments including T-bills, money market funds, and other RWAs — producing genuine revenue for the protocol.
Share Revenue
Protocol revenue is returned to participants: sUSD0 holders receive risk-free yield, and USUALx stakers receive a weekly USD0 revenue share along with governance rights.
Usual Money Token Ecosystem
Usual Money offers a suite of stablecoins and yield-bearing tokens, each crafted to fill a distinct role in the DeFi landscape. From stable savings to active governance, every token has a clear purpose.
The USUAL Token: Your Stake in the Protocol
USUAL is more than a governance token — it is your onchain equity in the Usual Money protocol. When you help grow Usual Money by providing liquidity, minting stablecoins, or staking, you automatically earn USUAL.
The USUAL token is backed by the protocol's treasury — which retains a share of all collateral yield. This creates a direct link between protocol growth and token value, with USUAL market cap measured against real treasury assets.
Earn USUAL Automatically
Participate in Usual Money by minting stablecoins or providing liquidity and receive USUAL as a reward — proportional to your contribution to protocol growth.
Stake into USUALx
Stake USUAL to receive USUALx. USUALx grants you a weekly share of protocol USD0 revenue (up to 29% APY) along with full governance authority over the protocol.
Lock for Maximum Yield
Lock your USUALx to access additional locking yield mechanisms and amplify your revenue share from the protocol treasury.
Treasury-Backed Value
The USUAL treasury currently holds $19.4M+ in assets with a 92% buyback power ratio — meaning the protocol can directly support USUAL's value from revenue.
Token Metrics
USUALx Staking APY
Stake USUAL to earn both USUAL staking rewards and USD0 revenue share from the protocol treasury.
Three Ways to Earn with Usual Money
Whether you prefer risk-free savings, boosted DeFi returns, or lasting protocol ownership, Usual Money's earn modes offer a path that matches your objectives.
Savings — Risk-Free Yield
Mint USD0, EUR0, or ETH0 and deposit into sUSD0 / sEUR0 to collect risk-free yield generated by RWA collateral. ~3.5–4% APY with no lock-ups.
Alpha — Boosted Earnings
Deposit into USD0a for delta-neutral strategies that target greater returns than the base savings rate, balancing risk with enhanced DeFi yields. ~3.7% APY.
Bonds — Ownership Rewards
Commit USD0 into bUSD0 for long-term protocol alignment. Earn up to 4.5% APY plus USUAL rewards, and build your stake in the Usual Money ecosystem over time.