About Usual Money
Usual Money is a trusted, 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 built to fundamentally transform this relationship.
By issuing stablecoins backed by real-world assets (RWAs) and directing protocol revenues back to participants via the USUAL governance token, Usual Money aligns the interests of users, liquidity providers, and long-term stakeholders.
Our mission is to create the most transparent, fully collateralized, and community-owned stablecoin ecosystem on Ethereum — where value flows to those who generate it.
"Stablecoins ought to 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-generating real-world assets, and the resulting revenue is shared among protocol participants. The entire collateral base is verifiable on-chain.
Provide Collateral
Users and institutions deposit approved assets — from USDC to premium RWA instruments — to mint Usual Money stablecoins such as USD0, EUR0, and ETH0.
Produce Yield
Collateral is channeled into institutional-grade, yield-bearing instruments including T-bills, money market funds, and other RWAs — generating genuine revenue for the protocol.
Share Revenue
Protocol revenue flows back to participants: sUSD0 holders receive risk-free yield, while 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 fill a distinct role within the DeFi ecosystem. 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 contribute to Usual Money's growth by supplying liquidity, minting stablecoins, or staking, you automatically earn USUAL.
The USUAL token is underpinned by the protocol's treasury — which holds a portion of all collateral yield. This establishes a direct link between protocol growth and token value, with the USUAL market cap tracked against real treasury assets.
Earn USUAL Automatically
Engage with 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) and full governance authority over the protocol.
Lock for Maximum Yield
Lock your USUALx to participate in 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 a USD0 revenue share from the protocol treasury.
Three Ways to Earn with Usual Money
Whether you prefer risk-free savings, boosted DeFi yields, or long-term protocol ownership, Usual Money's earn modes offer a path that suits your goals.
Savings — Risk-Free Yield
Mint USD0, EUR0, or ETH0 and deposit into sUSD0 / sEUR0 to earn risk-free yield generated by RWA collateral. ~3.5–4% APY with no lock-ups.
Alpha — Amplified Returns
Deposit into USD0a for delta-neutral strategies targeting higher 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 deepen your stake in the Usual Money ecosystem over time.