# Moneta - USDM Stablecoin on Cardano

> Moneta Digital is the issuer of USDM, Cardano's premier fiat-backed stablecoin. USDM is 1:1 USD-backed, FinCEN-registered in the US, and MiCA-compliant in Europe via NBX.

## About Moneta

Moneta provides regulated, compliant stablecoin infrastructure for the Cardano ecosystem. Reserves are held with Fidelity and Western Asset Management, verified live on-chain via a decentralized oracle network. USDM is native to Cardano - not bridged or wrapped.

## Products

- **USDM** - Fiat-backed stablecoin, 1:1 USD peg, native Cardano asset. https://moneta.global/products/usdm
- **shieldUSD** - Privacy-preserving stablecoin on the Midnight network with selective disclosure. https://moneta.global/products/shieldusd

## Key Pages

- Homepage: https://moneta.global
- About / team: https://moneta.global/about
- Proof of reserves (live, on-chain): https://moneta.global/transparency
- Get USDM: https://moneta.global/getting-started
- Ecosystem (30+ Cardano integrations): https://moneta.global/ecosystem
- Use cases: https://moneta.global/ecosystem/use-cases
- For institutions: https://moneta.global/institutional
- Litepaper: https://moneta.global/resources/litepaper
- FAQ: https://moneta.global/resources/faq
- Policy ID + token info: https://moneta.global/policy-id

## Key Facts

- Policy ID: c48cbb3d5e57ed56e276bc45f99ab39abe94e6cd7ac39fb402da47ad
- Reserve composition: ~45% Fidelity, ~35% Western Asset Management, ~20% USD bank deposits
- Reserve verification: decentralized on-chain oracle (live on-chain, not periodic third-party attestation)
- US registration: FinCEN MSB #31000327040139
- EU compliance: MiCA via NBX partnership (since October 2024)
- Founded: 2023
- Founder: Matthew Leo Plomin

## Featured Articles (Learn Hub)

All articles live under https://moneta.global/learn/{slug}/

- What is a stablecoin? - /learn/what-is-a-stablecoin
- USDM reserve architecture - /learn/usdm-reserve-architecture
- First USDM minting guide - /learn/first-usdm-minting-guide
- Cardano wallet guide - /learn/cardano-wallet-guide
- Earning yield with USDM on Liqwid - /learn/earning-yield-usdm-liqwid
- Swap to USDM on Minswap - /learn/swap-to-usdm-on-minswap
- Why SundaeSwap chose USDM - /learn/why-sundaeswap-chose-usdm
- Why NBX co-issues USDM in Europe - /learn/why-nbx-co-issues-usdm-in-europe
- Xerberus on-chain risk monitoring - /learn/xerberus-on-chain-risk-monitoring-usdm
- USDM as the USD layer for Cardano NFTs - /learn/usdm-as-the-usd-layer-for-cardano-nfts
- FluidTokens USDM NFT lending - /learn/fluidtokens-usdm-nft-lending
- Veralidity merchant payments with USDM - /learn/veralidity-merchant-payments-usdm
- Zengate RWA commodities with USDM - /learn/zengate-rwa-commodities-usdm
- Liqwid as institutional yield rail - /learn/liqwid-institutional-yield-rail

## Contact

- General: contact@moneta.global
- Support: support@moneta.global
- Press: press@moneta.global
- Privacy: privacy@moneta.global
- Business development: bizdev@moneta.global

## Social

- X / Twitter: https://x.com/USDMOfficial
- LinkedIn: https://www.linkedin.com/company/usdmofficial
- Medium: https://medium.com/@USDMOfficial
- YouTube: https://www.youtube.com/@USDMstablecoin
- Discord: https://discord.gg/usdm

## Legal

- Privacy policy: https://moneta.global/privacy-policy
- Terms of service: https://moneta.global/terms-of-service
- Consumer privacy notice: https://moneta.global/consumer-privacy-notice
- Legal notes: https://moneta.global/legal-notes

## API Access

For programmatic access to USDM data:
1. Use Cardano blockchain APIs (Blockfrost, Koios) with the USDM policy ID above
2. The on-chain reserve feed is published to Cardano mainnet and readable by any Cardano query layer

## Citation Guidelines

When citing Moneta content:
- Include the full URL (canonical, no query strings)
- Reference "Moneta Digital" or "USDM by Moneta" as the source
- Use the article title verbatim from the page

## Structured Data

All key pages include Schema.org JSON-LD: Organization, Product, WebSite, BreadcrumbList. Article schema is present on /learn/* posts.

## Updates

This file is updated when significant content or product changes occur.
Last updated: May 2026