USDM Price, Live Chart & Market Cap

USDM stablecoin – 1:1 USD‑backed digital dollar for Cardano DeFi, fast trading, staking and secure low‑fee payments

USDM Overview

USDM is the first fully USD‑backed stablecoin native to Cardano. Mint one USDM by depositing one dollar, then move it without censorship or high gas costs. DeFi platforms quote prices, settle trades and pay yields in USDM, giving builders and traders a dependable dollar anchor.

USDM: Cardano’s Fully‑Backed USD Stablecoin

Utility & Use Cases USDM

Staking Liquidity

Provide USDM in ADA pairs to earn DEX farming rewards while holding a stable asset.

Collateral for Lending

Supply or borrow USDM on Cardano money‑markets to hedge volatility and unlock liquid USD credit.

Base Trading Pair

Swap tokens against USDM on Minswap, Genius Yield and other AMMs for clear dollar pricing.

Instant Payments

Send USDM globally in seconds with network fees under a cent, ideal for remittance or payroll.

DAO Treasury Hedge

Hold reserves in USDM to protect project budgets from ADA price swings while staying on‑chain.

USDM Technologies Overview

$Native token transfers ride Cardano blocks, costing fractions of a cent.$

Ultra‑Low Fees

Native token transfers ride Cardano blocks, costing fractions of a cent.

Scalable Design

Layer‑2 Hydra heads ready USDM for thousands of tps without congestion.

Proof‑of‑Reserve Oracles

Charli3 posts live bank balances on‑chain; minting halts if funds are insufficient.

Audited Smart Policies

Sundae Labs audit, multisig controls and time‑locks guard mint keys and upgrades.

Future Cross‑Chain Bridges

Design supports wrapped issuance so USDM can expand beyond Cardano when demand rises.

Funding

Seeded by Cardano Catalyst grants, USDM later secured a $1.5 M Hoskinson Family Office investment and opened an SEC‑regulated crowdfunding round, letting community members buy W3i equity to fund expansion and compliance.

Roadmap

Retail Minting Roll‑out

Open direct mint/redeem to verified users in 48 U.S. states and EU by Q3 2025.

DeFi Integrations

List USDM as collateral on Liqwid and other lending markets; launch stable‑stable pools with incentives.

Global Expansion

Pursue licensing and partners in Asia, MENA and LatAm, targeting cross‑border payment corridors by Q4 2025.

USDM Security & Audit Reports

USDM’s mint policy is locked behind a multi‑sig with 48‑hour delay, audited by Sundae Labs. Reserves sit in insured bank accounts and treasury funds, while Charli3 on‑chain feeds prevent over‑minting. No freeze function protects user sovereignty.