What is Usual and How Does it Work?
Usual Labs is an innovative startup specializing in stablecoins, with its flagship product being USD0. Earlier this year, the company secured $7.5 million in funding, spearheaded by IOSG Ventures, with contributions from renowned players like GSR, Mantle, Starkware, Flowdesk, Avid3, Bing Ventures, and X Ventures. USD0 is backed by M0-level highly liquid, short-term, risk-free assets, ensuring unparalleled stability and security. Moreover, Usual Labs introduces USUAL, a governance token designed to revolutionize the profit-sharing and revenue distribution models within the stablecoin ecosystem. The project has already gained significant traction, with a Total Value Locked (TVL) of $360 million and an active user base of 55,000 individuals.

A Holistic Product Ecosystem by Usual

Usual Labs serves as a bridge between traditional finance (TradFi) and decentralized finance (DeFi). It has integrated Real World Asset (RWA) token liquidity from platforms like Hashnote, Ondo, Backed, M^0, BlackRock, Adapt3r, and Spiko. Its ecosystem is built on three core products: the stablecoin USD0, the liquidity staking token USD0++, and the community-focused governance token USUAL, forming a robust product trio.

1. USD0: A Stablecoin Redefined

Stablecoins like USDT and USDC are pegged to the US dollar, backed by fiat reserves, and serve as the cornerstone of the cryptocurrency ecosystem. They offer users a low-volatility asset to facilitate trading and storing value. However, not all stablecoins are created equal—over-collateralized stablecoins (like DAI) and algorithmic stablecoins (like UST) have faced challenges in maintaining stability.

USD0 stands apart as a fiat-collateralized stablecoin, backed by treasury bonds—arguably the safest financial instruments available. Unlike stablecoins tied to commercial bank reserves, USD0 is collateralized by M0-level assets, sidestepping systemic risks associated with banking failures and monetary policy shifts. This unique structure ensures that USD0 remains secure and liquid, offering users unparalleled confidence in its stability.

2. USD0++: Pioneering Liquidity Staking

The stablecoin industry, led by giants like USDT and USDC, generated over $6.5 billion in profits in 2023, yet the benefits largely flowed to a small group of stakeholders. Usual Labs aims to disrupt this imbalance with USD0++, a liquid staking token that distributes rewards directly to users.

USD0++ operates like a short-term U.S. Treasury Bill (T-Bill). Users lock their USD0 holdings for up to four years, earning rewards in USUAL tokens. Unlike traditional points-based reward systems, USD0++ is tradable in secondary markets, offering users liquidity alongside staking benefits. Additionally, USD0++ integrates with leading DeFi protocols like Pendle to expand its utility and use cases.

3. USUAL: A Governance Token With Real Value

Governance tokens in the current crypto market often lack intrinsic value and serve as vehicles for insiders to exploit retail investors. Usual Labs aims to change this narrative with USUAL, a governance token that prioritizes community benefits.

Deflationary Issuance: USUAL’s supply is tied to the TVL of staked USD0 (USD0++), creating scarcity as adoption grows. Early adopters are rewarded with higher token allocations.

Community-Centric Distribution: Approximately 92% of USUAL tokens are allocated to the community, ensuring fair value distribution. Insiders are limited to holding no more than 8% of the circulating supply, eliminating risks of excessive dilution.

Token Utility: USUAL holders can stake their tokens to earn rewards (up to 11% annually) and participate in governance decisions, giving them direct influence over the protocol's future.

Price Outlook and Growth Potential

The total supply of USUAL is capped at 4.2 billion tokens, with an initial circulating supply of approximately 500 million (around 12% of the total). Based on market trends for new projects, USUAL's opening price is projected to range between $4.25 and $5.75. The token's inflation rate is mild, with 66% of the supply dedicated to community incentives, reflecting Usual Labs’ strong focus on community engagement.

By combining USD0’s stability, USD0++’s profit-sharing mechanism, and USUAL’s governance model, Usual Labs is setting a new standard in the stablecoin ecosystem. Unlike many governance tokens labeled as "empty shells," USUAL provides tangible benefits to retail users and promotes equitable value distribution. However, USD0 faces stiff competition from established stablecoins like USDT and USDC. To capture market share, Usual Labs must differentiate its products and focus on educating the community to build trust and drive adoption.

Usual's Market Expansion and Community Engagement

To promote adoption, Binance is hosting a special event for new users:

Eligibility: New Binance users who complete KYC, achieve a trading volume of at least $105, and visit the Binance app daily can earn 55 USUAL tokens as a reward. The first 260 users to qualify each day will receive these tokens.

For more details, check out Binance’s promotional campaign:
🔗 Join Usual on Binance

Conclusion: Usual’s Transformative Vision

Usual’s trinity of products redefines the stablecoin and governance token landscapes by introducing a fair, community-centric model. With USD0 providing unparalleled stability, USD0++ sharing profits with users, and USUAL offering real governance value, Usual Labs is poised to disrupt the status quo. While challenges in market education and competition remain, Usual’s approach lays the foundation for a transformative future in decentralized finance.

Hashtags

#Usual #Stablecoins #DEFİ #cryptoinnovation #Binance

USUAL is a secure and decentralized Fiat Stablecoin issuer that redistributes ownership and governance through the $USUAL token.
Usual addresses flaws in current stablecoins by redistributing value and ownership through its governance token. Unlike Tether and Circle, which earned over $10B in 2023 without user profit-sharing, Usual ensures fair value distribution. By integrating Real-World Assets into DeFi, it offers a more secure, transparent, and decentralized alternative.
Usual empowers users as true owners, controlling infrastructure, treasury, and governance. This rewards early adopters, supports long-term value, and keeps the stablecoin fully collateralized with secure, short-term assets, avoiding traditional banking risks.
Launched three months ago, it has now grown to $355M TVL and 50k users. The protocol raised $7M overall and is backed by 160 investors.
Understanding the Usual Protocol
#Usual enables users to deposit US Treasury Bills and receive USD0, Usual's USD stablecoin. With USD0, users can purchase the enhanced T-Bill (USD0++), allowing them to earn rewards in USUAL tokens.

USD0 is the first RWA stablecoin to aggregate multiple US Treasury Bill tokens, offering a secure, bankruptcy-remote solution independent of traditional bank deposits. It is fully transferable and permissionless, enabling seamless integration and broad accessibility within the DeFi ecosystem.

$USD0++ is an enhanced T-Bill that lets holders claim either speculative or boosted risk-free yields. It offers a no-cost option to benefit from T-Bill exposure or unlimited $USUAL growth, while protecting the principal and maintaining a risk-free status.
The USUAL token serves as the governance and reward token of the Usual Protocol, redistributing the power on the protocol treasury and aligning user incentives with the protocol’s growth.

Usual Governance Token ($USUAL)
$USUAL is the governance token powering the Usual protocol, uniquely designed with an intrinsic value tied directly to the protocol’s revenue model. $USUAL drives the adoption and use of USD0, aligning incentives for contributors and fueling protocol growth. Its innovative distribution model sets the stage for new DeFi possibilities, accelerating ecosystem expansion and sustainable decentralization.
https://www.binance.com/en/research/projects/usual
USUAL Token Use Cases
USUAL is a utility and governance token with several financial & utility key features:
Governance control: Provides token holders with the power to manage the protocoland influence key financial decisions.Disinflationary issuance: Issuance of USUAL is tied to the TVL of staked USD0 (USD0++), creating scarcity as new TVL enters the system.Revenue based model: USUAL issuance is aligned with future cash flows. The inflation rate of USUAL supply remains lower than the growth of revenue and treasury.Staking rewards: By staking USUAL, holders activate governance rights and receive10% of newly issued USUAL, incentivizing long-term behavior.Gauge mechanism: Directs and optimizes liquidity distribution within the protocol.Collateral management: Governance determines the collateral types and their respective weighting behind USD0, ensuring stability and flexibility.Treasury management: Governance and mechanics will enable USUAL holders to manage the treasury efficiently and maximize the compounding effect.

Steps for Staking to start earning on Binance Launchpool
Binance Launchpool is a platform where crypto holders can earn new tokens by staking their existing assets, such as BNB and other supported tokens. This process is entirely free, and users receive new project tokens in return for staking their assets.
Access Launchpool: Log in to your Binance account and go to the Launchpool section.Stake BNB and FDUSD: Select BNB (Binance Coin) and FDUSD (a stablecoin on Binance) for staking in the Launchpool. Staking these assets allows you to participate in liquidity mining and farming.Participate in Farming: After staking your BNB and FDUSD, you will automatically begin earning rewards in the form of newly minted tokens, often from upcoming projects not yet listed on Binance.Claim Rewards: Regularly claim your rewards from the Launchpool. These can include the newly minted tokens or additional BNB and FDUSD.Convert Rewards: Once you’ve claimed your rewards, you can convert them to fiat currency or other cryptocurrencies available on Binance.
#UsualLaunchpool
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