Competitive Advantages

Product

• Block-by-block reward calculation: fair distribution, intuitive accounting, easy integration.
• Building blocks for seamless integration in DeFi lending and AMM protocols.
• Combines payments and savings into one token: whitelisted users are eligible for yield; non-whitelisted wallets can use XUSD as a vanilla stablecoin for payments.
• Secondary market liquidity.

Structure

• Our specialised Segregated Account Company structure is designed to ensure superior client protection and bankruptcy remoteness.
• Fully backed by liquid, low-risk US Treasury and Money Market securities on behalf of clients in a segregated, bankruptcy-remote vehicle with trusted TradFi custodians.
• XUSD has no unsecured creditor risk to its holding company, setting it apart from other stablecoins like USDC and USDT.

Compliance

• Regulated by the Bermuda Monetary Authority, a leading jurisdiction for digital asset issuers and insurance companies.
• Regular reporting on reserves to provide full transparency.
• Eliminate the possibility of Excellar interacting with sanctioned entities or jurisdictions by requiring users to claim rewards using whitelisted wallet addresses.