Usual is a DeFi bank where your money is actually yours.
You open an account. You deposit dollars or euros. Your balance is backed by US Treasury Bills, and the backing is verifiable at any time. You keep your assets. We provide the tools.
The problem with the current system
Banks and finance apps hold your money for you. You trust them to keep it, move it, and give it back. If they fail, freeze your account, or use your deposits without telling you, you have no recourse.
Usual was built to remove that dependency.
What Usual does
Usual is a full financial platform with three pillars:
Pillar | What it does | Products |
Currencies & Deposits | Hold dollars and euros that belong to you. | USD0, EUR0 |
Investment | Grow your money at real rates from Treasury Bills. | sUSD0, sEUR0, bUSD0, USD0 Alpha |
Credit | Borrow against what you own, at a fixed cost. | Usual Credit |
Every balance is backed by real assets. Every reserve is verifiable. Nothing is held by Usual on your behalf.
Who runs Usual
Usual is owned by the people who use it. The community holds USUAL, the ownership token, and votes on every major decision. Usual Labs builds and maintains the platform as a service provider. Labs does not own the protocol and does not control the funds.
Revenue generated by the platform goes back to the community. There are no shareholders and no hidden margin.
Quick facts
Founded | 2022, France |
Backed by | US Treasury Bills and equivalent real assets |
Chains | Ethereum, Arbitrum, Base, BNB Chain |
Security | 20+ audits by Cantina, Sherlock, Spearbit, Halborn, Hexens, Paladin, Blackthorne |
Ownership | Community-owned via the USUAL token |
Revenue model | 100% shared with the community |
Max supply | 3B USUAL |
Get started
Open an account → app.usual.money
Read the docs → docs.usual.money
Talk to us → [email protected]
Note: Usual is not a traditional bank. You are responsible for the security of your own account. If you lose access to it, no one can recover it for you. Read Connecting your account to learn how to protect it.
Technical note (for DeFi users): Usual is an on-chain protocol. Your "account" is a self-custodial wallet. "Depositing" dollars means minting USD0 against real-world asset (RWA) collateral. "Verifiable" means the state is visible on-chain. The USUAL "ownership token" is also referred to as a governance token. See the docs for the full technical reference.
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