Usual is a DeFi bank that runs on four chains: Ethereum, Arbitrum, Base, and BNB Chain. Your USD0 works on all of them — but you need to understand how to move it between them.
Supported chains
Chain | USD0 address | Gas token | When to use |
Ethereum |
| ETH | Deepest liquidity, most integrations. Higher gas costs. |
Arbitrum |
| ETH | Low gas, solid liquidity, most major apps. |
Base |
| ETH | Low gas, growing ecosystem, Coinbase on-ramp. |
BNB Chain |
| BNB | Low gas, Binance user base. |
On every chain, USD0 is native — not a wrapped or synthetic version. It is deployed directly by the Usual contracts on that chain.
Pick the right chain for your use case
If you want to... | Use |
Access the deepest USD0 liquidity | Ethereum |
Minimize gas costs | Arbitrum, Base, or BNB Chain |
Use USD0 in Ethereum-only apps (Morpho, Aave, Curve mainnet) | Ethereum |
Use USD0 with Coinbase Smart Wallet | Base |
Use USD0 inside the BNB ecosystem | BNB Chain |
Moving USD0 between chains
Because USD0 is native on every chain, you cannot simply send it from Ethereum to Arbitrum like a regular transfer. You need to bridge it.
Option 1 — Usual's bridge (recommended)
Go to the bridge page in app.usual.money
Pick the source chain and the destination chain
Enter the amount
Confirm the transaction on the source chain
Wait a few minutes for the destination chain transaction
Receive USD0 on the destination chain
Option 2 — Third-party bridges
USD0 is supported by several third-party bridges. Always use bridges listed in the docs — phishing bridges are common.
Fees and time
Gas — you pay gas on both the source and destination chains
Bridge fee — usually a small percentage of the amount
Time — a few minutes in most cases, longer during congestion
Important safety rules
Always verify the USD0 contract address on the chain you are using before any transaction.
Always check the network your account app is connected to before sending.
If you send USD0 to a wallet that does not support the chain you are on, the funds may be lost. Always double-check.
Note: The gas token is different on each chain. Make sure you have a small amount of ETH (for Ethereum, Arbitrum, Base) or BNB (for BNB Chain) in your account before attempting any transaction. Without gas, transactions cannot be submitted.
Technical note (for DeFi users): USD0 is deployed natively on each chain, not as a wrapped representation. Cross-chain transfers use Chainlink CCIP and LayerZero in the technical stack. The addresses above are the canonical USD0 token contracts per chain. See the docs for the full bridge configuration and supported routes.
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