I. Project Overview

United Stables (U) is a US dollar-pegged stablecoin issued by United Stables Limited, incorporated in the British Virgin Islands. Designed as a unified liquidity layer, it connects fragmented liquidity across trading, payments, DeFi, institutional settlement, and AI-driven systems.

U is deployed on BNB Chain and Ethereum, with a circulating supply fully backed by outstanding tokens and no fixed supply cap. On January 13, 2026, Binance listed zero-fee U/USDT and U/USDC spot pairs, providing immediate deep liquidity.

II. Project Introduction

United Stables aims to solve stablecoin fragmentation by creating a single liquidity layer across multiple ecosystems. It supports use cases ranging from global base money to institutional settlement, cross-border payments, and machine-to-machine commerce.

Its reserve model accepts both fiat and trusted stablecoins, accelerating minting and unifying liquidity. The protocol is designed for both human users and AI agents, combining programmability with privacy-enhanced money.

III. Product & Technology

The core product is a one-to-one USD-backed stablecoin whose reserves, consisting of cash and high-quality stablecoins, are held in segregated, audited custody. Key features include gasless transfers via EIP-3009, gas-fee payments through TokenPocket, and zero-fee U/USDT and U/USDC spot pairs on Binance.

The token runs on BNB Chain and integrates with PancakeSwap (v2, v3, and v4 CLAMM) and Uniswap v4. AI-ready programmability enables autonomous trading and machine-to-machine commerce, while enterprise-grade confidential balances enhance privacy. Institutions can mint U with fiat or stablecoins after KYC verification, and users can lend, borrow, and earn through DeFi platforms such as Venus Protocol.

United Stables uses a “stablecoin basket” model in which only the most liquid and thoroughly audited USD-pegged tokens — USDT, USDC, and USD1 — are whitelisted as collateral. A daily on-chain scan of prices and supplies automatically rebalances their weights, keeping the reserve both deep and diversified.

AI integration sits at the protocol level. Through EIP-3009 and x402 delegated payments, AI models can execute gasless micro-transfers in milliseconds. Developers can assign an on-chain spending budget to each AI address, with automatic shutdown once the quota is exhausted, preventing runaway fees. When the planned zero-knowledge balance interface goes live, enterprises will be able to prove sufficient U exists to complete a transaction without revealing the exact amount, satisfying compliance requirements while protecting commercial confidentiality.

IV. Economic Model

• Issuance: U is minted by smart contracts only when US dollars or whitelisted stablecoins are deposited. When redeemed, U is burned, and the corresponding USD or stablecoins are returned, ensuring that the circulating supply never exceeds reserves.
• Fees: Minting is free. Standard gas fees apply to on-chain transfers. A 0.1% redemption fee is directed entirely to an insurance fund designed to cover extreme shortfall scenarios.
• Insurance Fund: The fund targets 1% of the total circulating supply. It is funded by redemption fees, node slashing, and partner rebates, and can be used to purchase reserve assets when coverage falls below full backing.
• Governance: The United States board currently manages key parameters, including whitelisted assets, fees, and the insurance cap. The Q4 2026 roadmap envisions a two-tier DAO governance model, with an institutional-node consensus committee overseeing reserve management and token holders voting on fee changes and asset whitelists.

V. Team & Investors

• Core Team: Public information is limited. Official disclosures cite backgrounds in traditional bank clearing, crypto custody, and payment infrastructure. The CTO previously worked on cross-border payments at SWIFT and J.P. Morgan.
• Investors: There are no publicly disclosed funding rounds. Market speculation, based on CZ’s social activity and BNB Chain teasers, suggests possible strategic backing from Binance or YZi Labs, though this remains unconfirmed.
• Custody Partners: Ceffu (formerly Binance Custody) holds on-chain assets in cold storage. The banking side is managed by Bermuda-registered Wallet Trust Limited, which acts as a bankruptcy-remote trustee.

VI. Roadmap

• 2026 Q1: Launch on Ethereum mainnet, open institutional whitelisting, and release a mobile SDK enabling one-click gas-less transfers.
• 2026 Q2: Integrate Polygon and Arbitrum for four-chain interoperability and introduce Instant Swap, allowing users to exchange U with USDC or USDT at one-to-one rates inside a single smart contract.
• 2026 Q3: Launch the enterprise confidential-balance testnet, onboard hedge funds and payment companies, and partner with a Visa crypto card provider to issue a U-backed physical card usable at over eighty million merchants worldwide.
• 2026 Q4: Transition to hybrid DAO governance, open node applications, and target one billion U in circulation with a ten million US-dollar reserve fund.

VII. Risks & Opportunities

Opportunities include improved accessibility and efficiency through zero-fee Binance trading and BNB Chain gas support, potential expansion into DeFi and AI-driven systems, a liquidity-unification model that appeals to both institutional and retail users, low-cost cross-border payments (below 1.5%), and new applications for AI-integrated autonomous commerce.

Risks include traditional stablecoin vulnerabilities, such as reserve-asset volatility, liquidity fragmentation, and regulatory uncertainty. The project is not currently registered under MiCA, Hong Kong stablecoin regulations, or United States law. In addition, reliance on partner ecosystems introduces integration risk, while an uncapped token supply could affect long-term stability.

VIII. Conclusion

United Stables positions itself as an innovative stablecoin platform focused on unifying fragmented liquidity and supporting AI-era financial applications through a full-reserve model and programmable infrastructure.

While its technology and early ecosystem traction appear strong, limited transparency around the team and governance, and exposure to regulatory risks warrant close monitoring. Early integration within the BNB Chain ecosystem is promising, but broader adoption will depend on execution quality and compliance across jurisdictions.

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Hotcoin Research, the core research and investment arm of Hotcoin Exchange, is dedicated to turning professional crypto analysis into actionable strategies. Our three-pillar framework — trend analysis, value discovery, and real-time tracking — combines deep research, multi-angle project evaluation, and continuous market monitoring.

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