ThestablecoinCardanowasbuiltfor.
Backed 1:1 by reserves held with tier-one US institutions. Verified on-chain daily. Dual-regulated in the US and EU. Native to Cardano. No bridges, no wrappers.
Can I mint USDM?
Select your country (and state, if you're in the US) to see how to access USDM.
Final access is subject to KYC and the operating policies of Moneta or its regional partners.
Why USDM
Four reasons USDM leads the field on Cardano
Cardano-Native
No bridge risk, no wrapped tokens. USDM is born on Cardano, not ported from another chain. True native architecture means zero third-party dependency.
While bridged stablecoins inherit risk from external chains and third-party custodians, USDM's native architecture means your assets are as secure as Cardano itself.
On-Chain Verified
Every USDM is backed 1:1 by USD reserves held with tier-one US institutions. Reserve composition is published in the transparency report.
Dual Regulated
FinCEN-registered in the US and MiCA-compliant in Europe via NBX. Institutional-grade compliance on both sides of the Atlantic.
How It Works
Three steps from USD to on-chain DeFi
Deposit USD
Send USD to the Moneta reserve through your verified account.
Mint USDM
USDM tokens are minted 1:1 on Cardano and sent to your wallet.
Use in DeFi
Trade, lend, earn yield, or pay across 30+ Cardano protocols.
For businesses and institutions, contact our team
Trusted across the Cardano ecosystem
30+ integrations across DEXes, lending, wallets, infrastructure, and exchanges
Proof of Reserves
Every USDM is backed 1:1 by USD reserves held with tier-one US institutions. The current composition is published in the transparency report.
View full transparency reportTrusted & Recognised
Backed by
FinCEN Registered
MSB #31000327040139
MiCA Compliant
EU coverage via NBX since Oct 2024
Institutional Custody
Reserves held with tier-one US institutions
12,800+ community members on X · 30+ DeFi integrations · MiCA compliant since Oct 2024
Ready to get started?
Choose your path into the USDM ecosystem
Individuals
Hold a stable dollar on Cardano, earn yield in DeFi, and transact on-chain.
Institutions
Treasury management, OTC trading, and institutional settlement on Cardano.
Stay Updated with USDM
Monthly updates on USDM, the reserve, and partner integrations. No noise, easy unsubscribe.