Stablecoins are basically the backbone of crypto. They bring the stability of regular money to the wildly volatile swings of digital assets. But, let’s be real — most stablecoins are just pegged to the dollar and don’t actually help your money grow. That’s where Solayer, the leading restaking marketplace on Solana, is making an impact with sUSD and revolutionizing the crypto space.
Now you may be wondering what sUSD is and what makes it special. Let’s take it step by step for a better appreciation of its value and strengths.
sUSD is a “smart” stablecoin vibrantly shaking things up on Solana. It is the first T-Bill yield-bearing stablecoin on Solana, the first widely adopted implementation of Token 2022, bringing interest-bearing assets on-chain as well as the first restaking-backed stablecoin. It’s safe, it’s smart, and it’s on Solana, a fast and efficient blockchain that offers deep DeFi integrations right from day one.
A powerful feature of sUSD is that it is tied to the value of the U.S. dollar, meaning 1 sUSD should always equal 1 U.S. dollar. It’s like a thermostat set to a comfortable 72°F. Even if the outside temperature changes — the thermostat constantly adjusts to keep the room at that perfect 72°F. The smart mechanism of sUSD constantly maintains its value equal to one U.S. dollar, regardless of market fluctuations.
Now you may be wondering, “how does it generate interest?”
sUSD is unique because it earns interest just by being in your digital wallet. This is made possible because it is backed by US treasury bills (T-Bills), one of the safest short-term government debt instruments that generates 4–5% yield.
Imagine sUSD as a dollar bill that you keep in your wallet. But unlike a regular dollar bill, this one not only keeps its value but also grows a little over time — it’s like having $1,000 in a high-interest savings account at a bank.
Solving the Challenge of Interest-Bearing Tokens on Solana by Solayer
Because of the way account models work on Solana, it’s not easy to send out extra sUSD tokens for the interest directly to every holder. So Solayer’s sUSD came up with the solution: Instead of adding more tokens to each wallet, sUSD increases the “multiplier” applied to the amount you already have.
It’s like you having a gift card with a multiplier on it. Every day, the value of your card grows even though the balance doesn’t directly change. When you check the balance, it’s updated automatically to show the new, increased amount.
It’s too good to be true. Is it Safe?
Solayer’s RWA partner that helps manage sUSD’s assets has the only US treasury product with a top “A” rating from Moody’s, a leading credit ratings, research and risk analysis agency. This “A” “investment Grade” rating automatically signals a high level of security and quality. Moreover, sUSD will also play a crucial role in securing Actively Validated Services (AVSs), because of its stable foundational value together with its reliable and open architecture.
Think of this rating as a “safety badge” showing that sUSD’s backing is highly reliable, similar to investing in a highly-rated, traditional bank.
Here are some more reasons why you should use sUSD?
Passive Income
Compared to other stablecoins that don’t offer returns, sUSD is designed to give users a 4–5% return just by holding it in your wallet. Why stick with old-school stablecoins that do nothing for you?
Helping Secure Other Systems
sUSD holders can choose to “restake” their sUSD to help secure exogenous AVSs (external, Solana-linked systems like oracles, bridges, and rollups). This process generates extra returns for holders. Think of restaking your sUSD like renting your car to your neighbors. Instead of letting your car sit in the shed, you receive payments for the rental.
By restaking your sUSD, you’re lending your digital assets to support important systems in the Solana network. You are contributing to the power of decentralization and the progress of technology.
Liquidity and DeFi Integrations
Because sUSD is closely integrated with DeFi platforms on Solana, its like a universal remote control that works with all your devices from the moment you pick it up.
And as sUSD is stable and pegged to the dollar, it makes a safer collateral option for loans in DeFi. Lenders may be able to offer lower interest rates because they don’t have to worry as much about sUSD’s price changing unexpectedly. Think of sUSD as a stable asset like real estate — banks often offer lower loan rates when you use reliable assets as collateral, lowering borrowing costs and risks.
sUSD isn’t just a chance to keep up with the latest in digital finance; it’s a smart move to maximize your capital without taking on extra risk. Whether you’re a DeFi pro looking for reliable yield or someone new seeking a safe way to earn, sUSD is your solution. Make the switch to sUSD now and start earning while you hold — because your assets should be working smart and hard just the way you are.
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