Usual v2 is live.

It looks like a new app. It’s more than that. V2 is the foundation of a FinTech you own.

The logic is simple. Usual built the stablecoin first because it’s the hardest part to get right: real money, backed one-to-one by Treasury Bills. Everything else gets built on top of it, and it belongs to the people who use it.

100% of the protocol’s revenue goes to USUAL holders. The DAO owns all of its assets. And you can watch the treasury, the revenue, and the assets behind $USUAL in real time.

Here’s what we build on that foundation:

- Money in and out, no CEX and no fees: top up from your bank in a few clicks, then send euros — and soon dollars — back to any account.
- More currencies on-chain: CNY, JPY, GBP, CAD, CHF, so you can hold and spend in the currency you live in.
- clearFX: switch between currencies in one tap, at the tightest spread, priced on the real value of the bonds rather than a trading pool.
- Put idle cash to work with no lockup, then invest it: stable yield, $USUAL upside, and soon tokenized stocks.
- Spend straight from your balance with the Usual Card.
- Borrow against what you hold at a fixed rate, without selling.
- An AI assistant and an MCP connection, so the agents you trust can transact inside Usual while your capital keeps earning.
- A simpler staking flow, easier to manage and exit, pending DAO approval.

V2 is the floor. Everything else gets built on top of it.

Money you actually own.

https://usual.money/blog/we-built-the-fintech-you-own-usual-v2-is-live