Use Cases

What can you do with USDM?

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

01/Use Cases

Real financial applications

Individuals & Institutions

Use your USD across Cardano DeFi

DeFi Liquidity & Lending

USDM is integrated across Cardano DeFi for lending, borrowing, and liquidity provision. Use it where you already operate, with no bank or intermediary in the loop.

  • Wide protocol coverage
  • Self-custodied
  • No lockup required
Businesses & Freelancers

Move USD globally on Cardano

Cross-Border Payments

Send USDM to any Cardano wallet worldwide. Settles on-chain without correspondent banking, SWIFT routing, or FX conversion losses.

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
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 on-chain liquidity through DEXs, aggregators, and our network of institutional market makers.

  • No counterparty risk
  • Deep DEX liquidity
  • Institutional settlement
02/Infrastructure

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.

Proof of Reserves

Reserve composition and 1:1 backing are published in the transparency report.

True 1:1 Backing

Every USDM is backed by one US dollar held with tier-one US institutions.

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.

03/Get Started

Start using USDM today

Pick the path that fits your needs.

For Individuals

Mint, hold, and use USDM in DeFi. Mint from $1,000.

Mint USDM

For Institutions

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

Contact Us