Every system begins with stability. USD0 and EUR0 gave us that foundation. Now we are introducing Usual Savings, a product that turns stability into growth and extends what can be built with productive digital money.
Introducing Usual Savings
USD0 was our first step toward dependable digital money that feels stable, transparent, and verifiable. EUR0 followed, carrying that same structure into a second currency. Both are already live, trusted by users, and integrated across products that rely on consistent value and liquidity.
Savings builds on that foundation and introduces a new way to earn directly within the same framework — simple, transparent, and composable.
What is Usual Savings
Savings allows holders of USD0 and EUR0 to earn yield through sUSD0 and sEUR0, tokens that increase in value over time. You deposit, yield accrues, and you can withdraw at any time. The experience is familiar, but the design is built for precision and transparency.
This track is permissionless and uses a growing exchange rate to reflect yield. It is accessible to anyone who wants to hold productive stable assets without added complexity.
Alongside it, a separate rebasing track exists for institutions, treasuries, and regulated partners. It reflects earnings through balance updates rather than tokenized growth and operates under specific access controls. Together, these approaches form a unified system where stable money can work in multiple ways.
How it works
Savings operates on the same infrastructure that powers USD0 and EUR0. Yield is sourced from regulated short-term government securities and institutional money-market instruments. The protocol captures these returns and distributes them through onchain mechanisms that maintain accuracy and transparency.
The savings tokens sUSD0 and sEUR0 represent ownership within the system and allow users to benefit directly from the underlying yield. The process is straightforward: transparent accounting, verifiable collateral, predictable returns.
Why it matters
When stable money becomes productive, it shifts from being a static balance to becoming a foundation for broader financial activity.
Savings gives users, builders, and institutions a reliable way to earn and integrate yield without adding layers of risk or complexity. It extends the same stability and transparency of USD0 and EUR0 into instruments that can move value, settle payments, or power liquidity across applications.
This creates a stronger base for collaboration. Builders can integrate consistent yield into their protocols. Institutions can hold stable assets that earn passively within a transparent structure. Users can rely on a system that feels simple, yet is engineered for performance.
Savings is part of a larger direction — one that expands what can be done with digital money and strengthens the foundation for what comes next.
What comes next
Savings aligns with the instruments and integrations already built around USD0 and EUR0. It complements existing ways to earn within the ecosystem and introduces a familiar, accessible path for users and partners to participate in yield.
The work ahead is about refinement — creating financial products that feel natural, perform consistently, and reflect the kind of design we believe in.
