The Universal Capital Layer
Bit Protocol turns any asset on any chain into working capital by issuing the universal stablecoin, $bitUSD, eliminating the need to sell your core positions.
Partners
Meet $bitUSD: The Universal Stablecoin
$bitUSD is engineered for maximum capital efficiency and seamless mobility, serving as a single, liquid asset for the omni-chain world.
Multichain
$bitUSD natively exists across supported chains, minting and redeeming as one unified stablecoin.
Decentralized
No centralized entity controls minting, collateral, or governance. Inmutable, On-chain.
Stablecoin
Pegged to the dollar, usable across chains, designed for composability in defi (LP, vaults, yield).
Crypto-Backed
Every $bitUSD is backed by on-chain crypto assets: RWA, LSTs, native tokens, Tbills, AI-agents tokens, and more.
Overcollateralized
CDPs require 110%+ collateral. Risk is covered by automated insurance pools like AAVE's Safety Module.
Multichain
$bitUSD natively exists across supported chains, minting and redeeming as one unified stablecoin.
Decentralized
No centralized entity controls minting, collateral, or governance. Inmutable, On-chain.
Stablecoin
Pegged to the dollar, usable across chains, designed for composability in defi (LP, vaults, yield).
Crypto-Backed
Every $bitUSD is backed by on-chain crypto assets: RWA, LSTs, native tokens, Tbills, AI-agents tokens, and more.
Overcollateralized
CDPs require 110%+ collateral. Risk is covered by automated insurance pools like AAVE's Safety Module.
Available networks
The Universal Liquidity Layer
Powering every corner of DeFi, from individual traders to the protocols of tomorrow
For Traders
Access leverage, hedge volatility, or execute complex strategies using your entire cross-chain portfolio as margin.
For DAO’s & Treasuries
Activate idle treasury assets without selling. Access working capital for payroll, development, or marketing.
For Developers
Integrate a robust, decentralized stablecoin into your dApp with native cross-chain support.
The Bit Protocol Advantage
Universal Collateral Engine
Unlock liquidity from any asset. Use LSTs, LP tokens, RWAs, T-bills, and other tokens that are typically non-collateralizable.
For DAO’s & Treasuries
Activate idle treasury assets without selling. Access working capital for payroll, development, or marketing.
Superior Capital Efficiency
Put idle assets to work. Maximize capital efficiency by turning your entire cross-chain portfolio into a source of liquidity.
Decentralized & Insured by Design
A fully decentralized, self-custody protocol. Peg stability and collateral are safeguarded by automated on-chain insurance pools.
Shared Protocol Growth
Earn from the protocol's success. Revenue from fees is shared directly with stakers and liquidity providers in a single value loop.
How Bit Protocol Works
Deposit Collateral
Choose any supported asset from any network. Your collateral is locked in a personal, smart contract vault that only you control.
Mint $bitUSD
Instantly borrow the omni-chain stablecoin $bitUSD, against your collateral. It's ready to be used anywhere in the DeFi ecosystem.
Use & Earn
Use your $bitUSD for trading, providing liquidity, or yield farming to maximize your returns. Repay your loan anytime to unlock your original collateral.
What assets should we support next?
The best collateral ideas come from our community. Help us prioritize which assets to enable next by submitting your suggestion.
Battle-Tested Contracts
Our smart contracts are proven in a live environment, currently securing over $4M+ in TVL with zero liquidations since launch.
Overcollateralization
Every loan is secured by collateral valued significantly higher than the debt. Minimum collateralization ratios are dynamic parameters set by governance to ensure protocol solvency.
On-Chain Insurance
Powered by
Coverage is provided by on-chain premiums and asset-specific, user-funded insurance pools designed to safeguard the peg.
Roadmap
Update on 24 April 2025
Q3
CDP Deployment
TVL & Liquidity growth
v2 Development
Present
Dynamic interest rate
Defi Integrations
1-click Leverage longs
Q1 26'
KYC-ed RWA Collaterals
Delta-Neutral Strategy
Peg Stability Module
Q2 26'
Peg-reactive interest engine
DAO & Governance
MiCA Compliance
Latest news
Stablecoin
6/11/2025
-
4 min
Can we really trust USDT/ USDC
Over $2 billion in Funds have been frozen already. Let’s talk permissionless alternatives.
Bit Protocol
ApeFest
Stablecoin
+2
31/10/2025
-
4 min
ApeFest Notes: Why Social Collateral Needs BitUSD
Vegas, October 2025 — Field notes from our CTO & CEO
Bit Protocol
Collateral Ratio
Stablecoin Cryptocurrency
+3
30/8/2025
-
3 min
Collateral Ratios: The Quiet Force Behind Stability in DeFi
If you’ve ever experimented with minting a stablecoin, taking out a DeFi loan, or simply peeked into crypto lending platforms, you’ve likely stumbled across the term Collateral Ratio (CR). It’s one of those concepts that keeps appearing, but depending on where you read about it, it either feels oversimplified or buried under complex equations.
Bit Protocol
Stay Updated
Get the latest on new deployments, features, and Bit Protocol news.
FAQs
What is Bit Protocol?
What is BitUSD?
Why should I use it?
Do I need an account?
Which networks are supported?
Is BitUSD always worth $1?
Is this custodial?
Have more questions?
Check out more FAQs, they may be able to help you.