stUSD
Stablecoin that
automatically earns interest.
Secured by RWA P2P lending.
Be the first to get protocol updates.
Earn interest from loans backed by high-quality real‑world assets.
Stablecoin stUSD (“Stable USD”) is built on Certo — a P2P lending protocol designed to work with tokenized real-world assets in the form of U.S. Treasuries.
Step 1
Deposit USDT and receive stUSD
stUSD is a receipt token for lent funds.
Step 2
Protocol lends USDT to borrowers
Debts are secured by tokenized RWA collateral.
Step 3
Holders of tokenized RWA can borrow USDT against the value of their assets
Step 4
Borrowers pay interest on their loans — Lender's stUSD balance grows
How it works
Get stUSD & Receive ~4% APY
As a USDT lender, you receive the interest accrued to the borrowers at a variable rate, which depends on the utilization of lent funds.
Secure P2P lending
Loans are overcollateralized and backed by non‑volatile tokenized 1‑3 months U.S. Treasury Bills.
Liquid Stablecoin
After supplying USDT you receive fully backed, liquid stUSD, which can be used across multiple DeFi platforms.
Redeemable loans
Stablecoins which are lent through the protocol can be redeemed by burning stUSD receipt tokens.
Your Loans are Collaterized by Tokenised U.S. Treasuries
Certo supports the ZPR1 token from Backed as collateral. ZPR1 tracks the price of the SPDR® Bloomberg 1-3 Month T-Bill ETF.
Transparency at Every Step
Certo is built with complete transparency and security in mind.
Audits
The protocol is implemented with safety as a priority. All code has been thoroughly audited.
Open market
The protocol is an open market for lenders and borrowers. Anybody can participate!
Open Source
The protocol's contracts are open‑sourced. Everyone is welcome to contribute towards the development of the protocol.
FAQ
Who is eligible to receive stUSD?
Anyone who deposits stablecoins accepted by the protocol can provide them for lending and receive stUSD back as a receipt token.
What tokens can be used as a collateral by borrowers?
The protocol uses Backed ZPR1 token as a borrowing collateral. The token is backed by U.S. 1-3 Month Treasury Bills.
What will happen if the collateral price drops?
All USDT loans are overcollateralized by U.S. 1-3 Month Treasury Bills. Their very rare price volatility is less than 0.5%, they are highly stable over time. As a contingency, the protocol implements liquidation mechanism.
Keep up with the latest news
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