What can you do with USDM?

From earning DeFi yield to managing corporate treasury, USDM is the stable layer that makes Cardano usable for real financial applications.

Individuals & Institutions

Put your USD to work on-chain

DeFi Yield Generation

Deposit USDM into Fluid Token lending pools to earn competitive yield, or provide liquidity on Minswap and SundaeSwap to earn swap fees. No bank, no intermediary, just on-chain yield.

  • Competitive yield rates
  • Instant withdrawal
  • No lockup required
Fluid TokenMinswapSundaeSwapWingRiders
Businesses & Freelancers

Move USD globally at near-zero cost

Cross-Border Payments

Send USDM to any Cardano wallet worldwide in seconds. Cardano transactions finalize quickly with near-zero fees. No correspondent banking delays, no SWIFT costs, no FX conversion losses.

  • < $0.01 per transaction
  • Near-instant finality
  • 24/7 availability
CardanoNBXDexHunter
CFOs & Treasury Teams

On-chain USD for modern treasuries

Treasury Management

Hold operating capital on-chain in USDM for payroll, vendor payments, and operational expenses. Full auditability via Cardano blockchain: every transaction timestamped and immutable. No fiat banking friction.

  • 100% on-chain auditability
  • Instant payroll disbursement
  • No banking delays
CardanoFidelity CustodyWestern Asset Management
Trading Desks & Funds

Institutional liquidity without counterparty risk

On-Chain OTC Trading

Trade large USDM positions OTC with institutional counterparties across Cardano's DeFi ecosystem. Deep liquidity via Minswap, DexHunter aggregator, and our network of institutional market makers.

  • No counterparty risk
  • Deep DEX liquidity
  • Institutional settlement
MinswapDexHunterGeniusYieldFluid Token

The infrastructure behind every use case

USDM is purpose-built for real financial use, not speculative trading.

Regulated Infrastructure

FinCEN-registered in the US, MiCA-compliant in the EU. Every use case runs on regulated rails.

Daily Proof of Reserves

A decentralized oracle network verifies reserves on-chain every 24 hours. Use USDM with confidence.

Cardano Performance

Near-instant finality, predictable low fees. Designed for real-world use at scale.

True 1:1 Backing

Every USDM is backed by one US dollar held at Fidelity or Western Asset Management.

Redeem Anytime

Burn USDM to receive USD back to your bank account at any time, no lockup periods.

30+ Integrations

Active across the largest Cardano protocols. More venues than any other Cardano stablecoin.

Start using USDM today

Pick the path that fits your needs.

For Individuals

Mint, hold, and use USDM in DeFi. Start with $10.

Mint USDM

For Institutions

Custom minting limits, KYB onboarding, and OTC desk access.

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