yzUSD, issued by Yuzu Money, is a U.S. dollar (USD) referencing stablecoin that constitutes the senior, overcollateralized tranche of the Yuzu Alpha vault, targeting a value of one USD per token through onchain collateral deployed across third-party protocols [S1].

yzUSD targets a value of 1 USD and is backed by onchain collateral allocated to U.S. Treasury Bills, A-grade investment credit, overcollateralized loans, leveraged positions, funding-rate arbitrage, and cross-chain stablecoin arbitrage across protocols including PayPal, Sky, Ethena, Maple, OpenEden, Ripple, Hyperliquid, Aave, Morpho, Euler, and Pendle [S1]. The senior tranche is overcollateralized at 103.3%, with the junior tranche yzPP absorbing first-loss risk [S1]. A staked variant, syzUSD, accrues yield [S1].

Yuzu Money presents yzUSD as the senior tranche token of the Yuzu Alpha vault, structured so that the junior yzPP tranche bears first loss while the senior tranche remains overcollateralized [S1]. The issuer states its infrastructure serves neobanks, wealth managers, and accredited investors [S1]. Redemptions are described as usually 24 hours but up to three days [S1]. Custody of wallet infrastructure uses Fordefi MPC, certified SOC 2 Type II, with audits by Pashov Audit Group and Dedaub and real-time threat monitoring by Hypernative [S1].

yzUSD is the senior token of the Yuzu Alpha vault, with the staked variant syzUSD described as ERC-4626 and the junior tranche yzPP issued alongside it onchain [S1]. Minting and redemption are gated to eligible participants, with redemption settlement usually 24 hours but up to three days [S1]. A Proof-of-Reserves and Proof-of-Solvency dashboard is referenced [S1].

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Stablecoins

Yuzu Money wraps some of the highest yielding DeFi strategies into a single overcollateralized stablecoin (yzUSD). DeFi offers high yields and composability, but it's complex and challenging. It has a steep learning curve and an ever-evolving ecosystem requiring constant research with persistent risks. Yuzu Money aims to bring the best of DeFi to everyone by wrapping curated high yield DeFi strategies in a single stablecoin (yzUSD) layered with institutional grade risk mitigation.

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Stablecoin issuers

Yuzu Money

Yuzu USD (yzUSD) is a U.S. dollar stablecoin issued by Yuzu Money through YUZU FINTECH LLC.

Each token tracks one U.S. dollar and is a collateral-backed contractual exposure rather than a direct claim on the issuer.

Accredited investors, qualified investors, and institutions can mint and redeem directly with Yuzu Money in USDT0 after completing KYC.

YUZU FINTECH LLC is incorporated in Georgia.

Holder terms are governed by the law of Georgia.

yzUSD has been issued on Plasma as an ERC-20 and ERC-4626 token since October 2025, with a bridged version on one more network.

Yuzu USDyzUSD

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