USDM Litepaper
Explore the design, regulatory framework, and vision behind USDM — a fiat-redeemable stablecoin built natively on Cardano. The Litepaper explains how Moneta Digital bridges traditional finance and decentralized systems through transparency, compliance, and on-chain innovation.
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Key Highlights
What makes USDM a trusted stablecoin for the Cardano ecosystem
1:1 Redeemable
Each USDM token is fully backed by U.S. dollar reserves held in segregated accounts at regulated financial institutions.
Cardano-Native Design
Issued as a native Cardano asset — no wrapped bridges, no custom transfer logic — ensuring security, simplicity, and composability.
Transparent & Regulated
Built on clear disclosures, independent attestations, and compliance with FinCEN MSB registration and state-level licensing.
Secure & Efficient
Fast, low-fee transactions on Cardano's extended-UTxO model with robust operational controls and multi-signer security.
What's Inside
Introduction to USDM
Understand why a fiat-redeemable stablecoin is essential for Cardano's financial infrastructure.
Technical Architecture
See how USDM leverages Cardano's native asset framework for reliability and composability.
Regulatory & Compliance Framework
Learn how Moneta Digital meets global regulatory standards through licensing, KYC/AML, and transparent reporting.
Use Cases & Applications
Discover how USDM powers payments, settlements, DeFi, and cross-border commerce.
Reserve Management & Convertibility
Explore how 1:1 dollar reserves, independent attestations, and redemption mechanisms maintain stability.
Roadmap & Vision
A forward look at expanded attestations, integrations, international rollout, and privacy-enhanced settlement.