About Usual Money
Usual Money is a reliable, decentralized stablecoin protocol that channels genuine economic value back to its users and token holders — putting ownership, yield, and governance within reach of everyone.
Reimagining Who Controls the Protocol
Conventional stablecoins drain value from their users. Banks and issuers pocket the yield produced by your deposits — while you walk away with nothing. Usual Money was created to fundamentally overturn this model.
By issuing stablecoins backed by real-world assets (RWAs) and directing protocol revenues back to participants via the USUAL governance token, Usual Money brings the incentives of users, liquidity providers, and long-term stakeholders into alignment.
Our mission is to build the most transparent, fully collateralized, and community-owned stablecoin ecosystem on Ethereum — one where value flows to those who generate it.
"Stablecoins should serve the people who rely on them. Usual Money returns ownership, yield, and governance to those who make the protocol thrive."
How Usual Money Works
Usual Money operates the Usual Success Module — a transparent framework where collateral is deployed into yield-generating real-world assets, and the resulting revenue is shared with protocol participants. The entire collateral base is auditable on-chain.
Deposit Collateral
Users and institutions deposit approved assets — from USDC to high-quality RWA instruments — to mint Usual Money stablecoins like USD0, EUR0, and ETH0.
Generate 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.
Redistribute Revenue
Protocol revenue flows back to participants: sUSD0 holders receive risk-free yield, and USUALx stakers receive a weekly USD0 revenue share plus governance rights.
Usual Money Token Ecosystem
Usual Money offers a suite of stablecoins and yield-bearing tokens, each crafted to fulfill a unique role within the DeFi landscape. From stable savings to active governance, every token serves a clear purpose.
The USUAL Token: Your Stake in the Protocol
USUAL is more than a governance token — it is your on-chain equity in the Usual Money protocol. When you help the protocol grow by supplying liquidity, minting stablecoins, or staking, you automatically accumulate USUAL.
The USUAL token is underpinned by the protocol's treasury — which holds a portion of all collateral yield. This creates a direct relationship between protocol growth and token value, with the USUAL market cap benchmarked against actual treasury holdings.
Earn USUAL Automatically
Contribute to Usual Money by minting stablecoins or supplying liquidity and receive USUAL as a reward — proportional to your contribution to protocol growth.
Stake into USUALx
Stake USUAL to receive USUALx. USUALx entitles you to 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 its own revenue.
Token Metrics
USUALx Staking APY
Stake USUAL to collect both USUAL staking rewards and a USD0 revenue share sourced from the protocol treasury.
Three Ways to Earn with Usual Money
Whether you favor risk-free savings, amplified 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 — Enhanced Earnings
Deposit into USD0a for delta-neutral strategies targeting higher returns than the base savings rate, balancing risk with amplified DeFi yields. ~3.7% APY.
Bonds — Ownership Rewards
Commit USD0 into bUSD0 for lasting protocol alignment. Earn up to 4.5% APY plus USUAL rewards, and steadily grow your stake in the Usual Money ecosystem.