Quick answers to the questions we get most often. For deeper dives, follow the links to the dedicated articles.

Usual is a DeFi bank where your money is actually yours. You open an account, deposit dollars or euros, and your balance is backed by US Treasury Bills or European Treasury Bills. You always hold the keys. See What is Usual?.

Usual is owned by its community. The DAO owns 100% of protocol assets. Usual Labs builds and maintains the platform as a service provider — it does not own the protocol. See Who owns Usual?.

Ethereum, Arbitrum, Base, and BNB Chain. Ethereum is the primary deployment. See Which chains does Usual support?.

Usual is a DeFi bank. It provides banking-like services (deposits, savings, credit) but it is not a traditional bank. There is no government deposit insurance. You are responsible for your own account security.

The on-chain protocol is accessible wherever the underlying blockchain is accessible. Some services (fiat on-ramps, specific integrations, KYC flows) may have geographic restrictions. Check the terms in your jurisdiction.

USD0 is backed by tokenized US Treasury Bills held on-chain, not by commercial bank deposits. It is community-owned, with 100% of revenue distributed to USUAL holders. USDC relies partly on bank deposits and is operated by a private company. See USD0 Overview.

EUR0 is backed by Eurozone Treasury Bills (via Spiko's EUTBL fund). It is one of the only community-owned euro stablecoins backed purely by sovereign assets. See EUR0 Overview.

Yes. Primary market redemption at par is always available through Usual's collateral contracts. Secondary market prices can fluctuate slightly, but arbitrage and primary redemption keep the peg tight. See How USD0 stays at $1.

No. There is no government deposit insurance. USD0's safety comes from the quality of the underlying Treasury Bills and from the transparency of the reserves. See Risk Overview.

Three ways: deposit USDC into the app, swap on a DEX like Curve or Uniswap, or (for institutions) deposit tokenized Treasury Bills directly. See How to deposit and withdraw USD0.

From the real yield on US Treasury Bills backing USD0. A portion of protocol revenue is allocated to sUSD0 holders as USD0 yield. See sUSD0 — your savings account.

bUSD0 pays a daily coupon in USUAL, distributed from the platform's emission program. The rate depends on total supply and USUAL market price. See How bUSD0 generates yield.

Neither is strictly better. sUSD0 pays a steady rate in USD0 with no lock-up. bUSD0 pays a variable rate in USUAL and matures in June 2028. Pick based on your preference for stability versus upside. See bUSD0 vs sUSD0.

A higher-yield savings product using a market-neutral basis carry strategy on CME futures. Yield is variable, redemptions may take up to 7 days for large amounts. See USD0 Alpha.

No. You can exit early by recombining bUSD0 + rt-bUSD0 (no haircut), by selling bUSD0 on the open market, or by selling rt-bUSD0 separately. See Staking, unstaking, and early exit.

USUAL is the ownership token of the platform. Holders share 100% of protocol revenue and vote on every major decision. See What is USUAL?.

By holding bUSD0 (daily coupon), providing liquidity (LP rewards), staking into USUALx (staking rewards), or receiving airdrops and incentive programs.

3 billion USUAL (revised from 4 billion via UIP-11, November 2025). Full distribution is planned through June 2028. See USUAL tokenomics.

Deposit USUAL into the staking module and receive USUALx. Basic staking earns USUAL emissions. Locking USUALx earns additional USD0 revenue share. See How to stake and unstake.

The governance decision (January 2025) that directed 100% of protocol revenue to the community — 30% to locked USUALx holders in USD0, 70% to the DAO treasury. See The Revenue Switch.

rt-bUSD0 is the early-exit ticket for bUSD0. When you deposit USD0 into bUSD0, you receive both bUSD0 and rt-bUSD0. Keep rt-bUSD0 if you might exit early at full value. See What is bUSD0?.

These are receipt tokens that represent your position in the corresponding savings product. Their balance stays constant, but their exchange rate to the underlying asset grows as yield accrues.

Any EVM wallet — MetaMask, Rabby, Rainbow, WalletConnect, Coinbase Smart Wallet, Ledger, Trezor, Safe, and others. Use any wallet that supports the chain you are transacting on.

Your balance is public (as with all on-chain balances), but Usual does not have custody or control. It cannot move funds without a transaction you sign.

Go to the governance page in the app, connect your account, and vote on active proposals. Voting power is calculated from your USUAL and USUALx balance. See How voting works.

Yes. Any USUAL holder can propose. The process starts on the governance forum. See How to propose a UIP.

The protocol has an emergency pause mechanism and a $7.5M bug bounty via Cantina. In the event of a confirmed exploit, Usual Labs and the DAO coordinate a response — investigation, communication, and mitigation. See Smart contract risk.

Collateral is diversified across multiple providers. Ring-fencing legal structures protect assets in the event of provider insolvency. The DAO can replace a provider via governance. See Collateral and counterparty risk.

Not in the traditional sense. Usual maintains an Insurance Fund for small residual losses, and the DAO treasury can be deployed for larger events. But there is no government deposit insurance. See Insurance fund and protections.

Usual cannot recover your wallet. You are responsible for the security of your own recovery phrase. If you lose access, the funds are lost. Always back up your recovery phrase securely.

Technical note (for DeFi users): For specific technical questions (contract addresses, ABI, mint/redeem flows, oracle feeds, governance contracts), the docs have a complete technical reference. The litepaper contains the full economic and security models.