United Stables (U) — a next-generation stablecoin

Stablecoins are becoming increasingly popular because they enable fast and low-cost transactions.

As of May 2026, there are already nearly 300 stablecoins on the cryptocurrency market, with a total market capitalization of $322 billion. In 2025, the total transaction volume in stablecoins reached a record $33 trillion, confirming the growing trend toward the use of stablecoins.

Against the backdrop of high demand from both individuals and businesses, new stablecoins continue to emerge. One of these new stablecoins is United Stables (U).

What is United Stables (U)?

United Stables (U) is a next-generation stablecoin pegged to the US dollar at a 1:1 ratio and launched on the market at the end of 2025. United Stables (U) is not just another payment and savings instrument in the blockchain environment, but rather a universal infrastructure-level stablecoin designed for:

• Unifying global liquidity in the DeFi (decentralized finance) market;
• Cross-border transfers and payments;
• Implementation of cross-chain scenarios (various methods of transferring assets between different networks).

United Stables (U) is positioned as a stablecoin that unifies the liquidity of different stablecoins and blockchain networks into a single settlement system. United Stables (U) uses reserves from several popular stablecoins, aggregating liquidity within a single infrastructure rather than fragmenting it across separate assets. According to the developers, this should simplify cross-chain transfers, trading, and the use of DeFi protocols. Because of this, United Stables (U) has been called a "stablecoin that unifies liquidity."

Another feature of United Stables (U) is that the project creates a unified payment layer for both private and corporate users, as well as for autonomous artificial intelligence (AI) agents.

How does United Stables (U) work?

The issuance and redemption process for United Stables (U) is practically identical to that of other centralized stablecoins such as USDT and USDC. To issue United Stables (U), users must fill out a form on the official website and deposit fiat currencies or digital assets to back the reserves. Redemption of United Stables (U) takes place in reverse order.

To gain access to the issuance of United Stables (U), organizations must complete registration and KYB* (Know Your Business) verification procedures. Only corporate users are granted access to mint United Stables (U), including:

• Exchanges;
• Market makers;
• OTC companies and banks;
• Institutional partners.

* KYB (Know Your Business) is a company verification procedure used by financial institutions and crypto platforms to confirm the legitimacy of a business. As part of the procedure, a company's registration documents, ownership structure, beneficial owners, and compliance with AML (Anti-Money Laundering) requirements are verified.

United Stables (U) reserves

A distinctive feature of United Stables (U) is its reserves, which ensure rapid redemption of the stablecoin. Unlike most stablecoins, which are backed either by fiat currencies (such as USDT and USDC) or exclusively by digital assets (such as DAI and USDD), United Stables (U) uses a hybrid reserve model.

United Stables (U) reserves are backed by both fiat currencies and stablecoins, including:

• Tether (USDT);
• USDC (USDC);
• World Liberty Financial USD (USD1).

In addition, tokenized short-term government bonds issued on the blockchain are used to support reserves and maintain the coin's stability during periods of high market volatility.

The fiat reserves of United Stables (U) are stored in accredited banking institutions, while cryptocurrency reserves are held by licensed and qualified custodians. United Stables (U) vaults are managed by Wallets Trust Limited, and the reserves undergo monthly audits and are monitored almost in real time.

Use cases of United Stables (U)

Institutional settlements and OTC transactions

United Stables (U) provides a transparent settlement system for corporate-level users, including treasury operations compliant with regulatory requirements.

Generating yield in the DeFi market

United Stables (U) supports various yield-generating opportunities in the decentralized environment, such as staking, lending, and RWA (real-world asset) strategies.

Trading

United Stables (U) serves as a base digital currency providing unified liquidity with low spreads for both centralized and decentralized exchanges.

Payments and money transfers

With United Stables (U), users — both individuals and businesses — can make near-instant cross-border transfers using cryptocurrency wallets and money transfer systems, even without being bank clients.

United Stables (U) enables reducing settlement times from several days to just minutes while lowering fees from 5–10% to around 1.5% of the transaction amount.

Currency for autonomous agents

AI agents, ranging from trading bots to autonomous vehicles, can perform autonomous operations using the United Stables (U) stablecoin, including payments and exchanges.

United Stables (U) market data

As of May 2026, approximately one billion United Stables (U) tokens are circulating on the market. With a market capitalization of $1.04 billion, United Stables (U) ranks among the top ten largest stablecoins after Ripple USD (RLUSD) and USDD (USDD), and holds 53rd place in the overall cryptocurrency rankings. Since the beginning of 2026, the market capitalization of United Stables (U) has increased nearly 2.5 times and continues to demonstrate growth.

Since its exchange listing in December 2025, the price of United Stables (U) has not deviated by more than 0.2% from the US dollar exchange rate, indicating the asset's stability.