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Usual USD (USD0) is a decentralized stablecoin designed to combine the stability of traditional finance with the transparency and efficiency of blockchain technology.

Key takeaways

• Usual USD (USD0) is a decentralized stablecoin fully backed 1:1 by U.S. Treasury Bills (T-Bills).
• It operates on the Arbitrum network, offering fast and low-cost transactions with Ethereum Virtual Machine (EVM) compatibility.
• The protocol is governed by a Decentralized Autonomous Organization (DAO), ensuring community-led decision-making.
• USD0 aims to provide a transparent, regulatory-compliant, and capital-efficient stablecoin alternative in the DeFi ecosystem.
• Users can mint USD0 by depositing collateral or trade it on supported exchanges like BTCC.

What is Usual USD? Key Specifications & Tokenomics

Usual USD (USD0) is a decentralized stablecoin that aims to bridge traditional finance and decentralized finance (DeFi) by offering a transparent, yield-bearing digital dollar.

Who created Usual USD (USD0)?

Usual USD was created by Usual Labs, a company focused on building compliant and transparent financial infrastructure for the digital age. The project is backed by notable investors in the crypto space, reflecting strong institutional confidence. The development and ongoing governance of the USD0 protocol are managed by a Decentralized Autonomous Organization (DAO), the Usual DAO. This structure ensures that key decisions about the protocol's parameters, treasury management, and future development are made collectively by the community of USD0 holders and stakeholders, aligning with the core principles of decentralization.

How does Usual USD (USD0) work?

USD0 operates through a transparent, collateral-backed model on the Arbitrum blockchain. Its core mechanism involves several key processes:

• Minting and Redemption: Users can mint new USD0 tokens by depositing approved collateral, primarily U.S. Treasury Bills, into the protocol's vaults. Conversely, users can redeem their USD0 for the underlying collateral, ensuring the stablecoin remains pegged to its $1 value.
• Collateral Backing: Each USD0 in circulation is backed 1:1 by high-quality, liquid real-world assets (RWA), specifically short-term U.S. Treasury Bills. These assets are held with regulated, qualified custodians, and their holdings are regularly verified and publicly auditable on-chain.
• Yield Generation: The interest earned from the Treasury Bill collateral is managed by the protocol. A portion of this yield is used to cover operational costs and ensure stability, while the remainder can be distributed to USD0 holders or reinvested, making USD0 a potential yield-bearing asset.

What makes Usual USD (USD0) unique and valuable?

USD0 distinguishes itself in the crowded stablecoin market through its focus on regulatory compliance, transparency, and capital efficiency.

• Regulatory-First Design: Unlike many algorithmic or crypto-collateralized stablecoins, USD0 is built with compliance in mind from the ground up. Its 1:1 backing by U.S. T-Bills, held with licensed custodians, positions it as a stablecoin designed to meet existing financial regulations.
• Full Transparency and Audibility: All collateral backing USD0 is verifiable on-chain. Regular attestation reports from third-party auditors provide proof of reserves, giving users unparalleled confidence that every token is fully backed.
• Capital Efficiency and Yield Potential: By being backed by yield-generating assets like T-Bills, the USD0 protocol creates a capital-efficient model. This structure allows the protocol to be sustainable and opens the door for value accrual to token holders, setting it apart from non-yield-bearing stablecoins.

What is Usual USD (USD0) used for?

USD0 serves as a stable medium of exchange and store of value within the digital economy, with several primary use cases:

• DeFi Trading and Liquidity: As a stablecoin, USD0 is ideal for trading, providing liquidity in decentralized exchanges (DEXs), and serving as a base trading pair to hedge against crypto market volatility. You can trade the USD0/USDT spot pair or the USD0USDT perpetual contract on platforms like BTCC.
• Cross-Border Payments and Remittances: It enables fast, low-cost, and transparent international money transfers without the delays and high fees associated with traditional banking systems.
• Collateral in Lending Protocols: Users can deposit USD0 as collateral to borrow other assets in DeFi lending markets, leveraging their stablecoin holdings without needing to sell them.
• Savings and Yield Farming: Due to its yield-generating collateral model, holding USD0 can be part of a savings strategy. Users can also stake or farm USD0 in various DeFi protocols to earn additional rewards.

How Is the Usual USD (USD0) ecosystem developing?

The USD0 ecosystem is in its growth phase, focusing on building robust infrastructure and expanding its reach.

• Protocol Development and DAO Governance: The Usual DAO is actively steering protocol upgrades, treasury management, and strategic partnerships. Community proposals and voting are central to its decentralized development roadmap.
• Multi-Chain Expansion: While initially launched on Arbitrum for its scalability and low fees, plans for expansion to other Ethereum Virtual Machine (EVM)-compatible chains are likely to increase USD0's accessibility and utility across the broader DeFi landscape.
• Strategic Integrations: The team is pursuing integrations with major decentralized finance (DeFi) protocols, centralized exchanges, and payment gateways. Being listed on major platforms like BTCC enhances its liquidity and adoption. Check the latest price on the BTCC price page.

How to mine Usual USD (USD0)?

USD0 is not mined through traditional proof-of-work or proof-of-stake mechanisms. As a collateral-backed stablecoin, it is minted through a financial process rather than computational mining. The primary ways to acquire USD0 are:

• Minting via the Official Protocol: Users can mint new USD0 by depositing approved collateral (like other stablecoins or eventually direct fiat) into the Usual protocol's smart contracts on Arbitrum.
• Providing Liquidity: Users can earn USD0 rewards by providing liquidity to USD0 trading pairs on supported decentralized exchanges (DEXs), though this involves impermanent loss risk.
• Purchasing on Exchanges: The most straightforward method for most users is to buy USD0 directly on a cryptocurrency exchange that lists it, such as BTCC.

How to keep your USD0 Coin safe?

Securing your USD0 involves standard practices for safeguarding cryptocurrency assets.

• Use Reputable Wallets: Store your USD0 in a secure, non-custodial wallet where you control the private keys. Hardware wallets (like Ledger or Trezor) offer the highest security for long-term storage. For frequent trading, consider the secure wallet integrated within the BTCC exchange platform.
• Enable Strong Security Measures: Always use two-factor authentication (2FA) on any exchange or wallet account. Never share your private keys, seed phrases, or passwords with anyone.
• Verify Contract Addresses: When interacting with DeFi protocols to mint or stake USD0, always double-check the official smart contract addresses from the Usual Labs website to avoid phishing scams.

How to buy USD0 Coin?

USD0 is a cryptocurrency available on select exchanges. For higher liquidity and a secure trading experience, using a major platform like BTCC is recommended.

1. Register a BTCC Account: Sign up using your email or mobile number and complete the KYC verification to unlock more features and benefits of the platform.
2. Deposit Funds: Deposit fiat currency (via bank transfer, card, or third-party payment) or transfer USDT from an external wallet into your BTCC account. You can follow this guide.
3. Start Trading: Go to the trading page and search for the spot trading pair USD0/USDT or the perpetual contract USD0USDT.
4. Place an Order: Enter the amount of USD0 you wish to purchase and submit the order. For contract trading, you can also choose to go short (sell) and adjust the leverage multiplier according to your strategy and risk tolerance.
5. Confirm Your Purchase: For spot purchases, check your personal account to see if the coins have arrived. For contract trades, check the trading page to see if your order was filled successfully.