Our Mission

USDhm represents a paradigm shift in stablecoin design, addressing the fundamental limitations of existing solutions through intelligent collateral evolution and decentralized governance.

The Stablecoin Trilemma

Traditional stablecoins face a trilemma: they can achieve two of stability, decentralization, and capital efficiency, but not all three. USDhm solves this through:

Phased Collateral Transition: Starting with 100% U.S. Treasury backing for maximum stability, then gradually incorporating Bitcoin and Gold as the protocol scales.
Dynamic Overcollateralization: BTC reserves at 700% and Gold at 300% overcollateralization ensure stability even during extreme market conditions.
Risk Management: Circuit breakers, yield boosts during volatility, and Swiss legal structure for regulatory compliance.

Technical Architecture

USDhm is built on a robust technical foundation:

Multi-Chain Deployment: Ethereum and Arbitrum with plans for additional Layer 2 networks
Oracle Integration: Chainlink primary oracles with Pyth backup for reliable price feeds
Smart Contract Security: Comprehensive auditing and formal verification
Governance: DAO governance at $3B TVL with community-driven decision making

Revenue Model

The protocol generates sustainable revenue through:

Treasury yield from U.S. government bonds
BTC and Gold lending to institutional borrowers
Transaction fees that scale with TVL
Protocol-owned liquidity and MEV capture

Roadmap to Decentralization

USDhm follows a carefully planned path to full decentralization:

$100M TVL: Launch with 100% Treasury backing and regulatory compliance
$500M TVL: Begin hybrid integration with 6% Gold and 4% BTC
$5B TVL: Significant hard asset integration with floating redemption
$10B TVL: Full decentralization with DAO governance and optional USD decoupling

Team & Governance

USDhm is developed by a team of experienced DeFi professionals, blockchain engineers, and financial experts. The project emphasizes transparency, security, and community involvement.

At $3B TVL, governance will transition to a DAO structure, giving the community control over protocol parameters, collateral ratios, and strategic decisions.