Profile
U profile facts
United Stables (U) static profile: governance model Centralized (CeFi); backing model Real-World Asset Backed; peg US Dollar.
- Collateral
- Variable reserve mix of cash, U.S. Treasury bills, and fiat-referenced stablecoins approved by United Stables.
- Peg mechanism
- Issuer-managed minting against eligible assets and redemption for issuer-selected cash or stablecoins, restricted to approved Mint Users. Ethereum/BSC token owners can mint without a reserve-oracle check; Chainlink publishes aggregate reserve data.
- Jurisdiction
- British Virgin Islands
- Proof of reserves
- Real-Time PoR by Chainlink U Reserves feed on BNB Chain (0xFa8e834DD2200923C706e6438d9030dB029B0c18; reference data directory identifies Stablemint Labs, third-party off-chain reserves, 18 decimals and an 86,400-second heartbeat). Ceffu separately provides digital-asset custody and MirrorX settlement; custody is not reserve-to-liability assurance. Reserve source
- Contracts
- 4 deployments tracked across BSC, Ethereum, Tron, and Robinhood Chain.
Source: Pharos registry profile fields. Live price, supply, reserve, liquidity, event, and safety data load in the interactive dossier on this page.
U quick answers
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What is United Stables (U)?
U is a BVI-issued dollar stablecoin backed by a variable mix of cash, U.S. Treasury bills, and approved fiat-referenced stablecoins. The static profile records its US Dollar peg mechanism as: Issuer-managed minting against eligible assets and redemption for issuer-selected cash or stablecoins, restricted to approved Mint Users.
Is U safe?
As of Oct 25, 2026, Pharos grades U C (55/100) on its Safety Score. Pharos's reviews record that the issuer or an admin can freeze individual holders' balances, and direct redemption is limited to whitelisted primary-market participants. That is a middle-band grade: it meets baseline expectations but carries meaningful weaknesses. The grade moves as reserve, redemption, peg and control evidence changes; the live Safety Score on this page shows the current reading.
What backs U?
Pharos records U's reserves as of Sep 30, 2026 as 44.9% USDC, USDT and USD1 stablecoins (individual and Binance-Peg weights undisclosed), 24.9% USD current-account balances and money market fund units (mix undisclosed), 16.7% Tokenised US Treasury fund units (fund identity undisclosed), and 1 smaller holding. Reserve evidence: Real-Time PoR, latest period ending Sep 30, 2026. Pharos classifies the backing as Real-World Asset Backed.
Can U be frozen or blacklisted?
Based on tracked contract metadata and blacklist coverage, issuer or admin freeze controls are recorded. Live freeze and blacklist events for U, when applicable, appear in the live dossier on this page.
How do you redeem U?
Under the route Pharos reviewed on Aug 27, 2026, whitelisted primary-market participants can redeem U for a basket of stable assets. Redemption settles atomically on-chain. The fee is variable or not fully published. Whether a given holder qualifies is set by the route's own terms, not by this summary.
