M0 Stablecoin Issuance Platform

M0 is a universal stablecoin infrastructure platform that enables businesses to launch their own application-specific, branded stablecoins and empowers regulated financial institutions to power stablecoin issuance at scale.

Product Overview

Built from first principles to reconstruct the monetary stack, M0 operates as an open platform where multiple regulated issuers can connect, pledge eligible collateral, and mint stablecoins to a common standard — ensuring interoperability and shared liquidity across the entire ecosystem from day one. Builders create programmable stablecoins called M0 Extensions, tailored to their brand, currency, compliance rules, and yield model using audited, open-source smart contracts.

Key Features

• Three audited issuance models: Treasury Model (yield to a single wallet), User Yield Model (yield passed to token holders), and Institutional Model (yield distributed to whitelisted accounts with custom fee rates)
• Regulated issuer infrastructure: Financial institutions operate as permissioned issuers holding eligible reserves (U.S. Treasuries, BlackRock BUIDL Fund) under governance-enforced compliance standards
• Programmable on-chain economics: Loyalty rewards, referral incentives, distributor payouts, and yield streaming configurable directly on-chain
• Shared liquidity network: Seamless conversion to/from USDC, USDT, and other major stablecoins across multiple chains
• Multi-chain deployment: Live on Ethereum, Solana, and additional chains with cross-chain bridging infrastructure
• Developer APIs: GraphQL Protocol API and REST Orchestration API for querying on-chain data and facilitating stablecoin conversion
• On-chain governance: M0 Governance Portal for proposing and voting on protocol changes, collateral types, and earner approvals

Use Cases

M0 serves Web3 companies and fintechs launching branded stablecoins (MetaMask mUSD, Exodus XO Cash, Playtron Game Dollar, KAST neobank stablecoin), as well as regulated financial institutions and enterprises seeking to power stablecoin products at scale (MoonPay enterprise suite, PYUSDx with PayPal, Noble USDN on Cosmos, Citrea ctUSD for the Bitcoin ecosystem).