Moneta (USDM) stablecoin analytics
USDM is Moneta's MiCA-compliant dollar stablecoin on Cardano, redeemable 1:1 via Moneta (USA) or NBX (EEA) with reserves at Fidelity, Western Asset, and Amundi.
Static Profile
Static stablecoin profile
Moneta (USDM) static profile: governance model Centralized (CeFi); backing model Real-World Asset Backed; peg US Dollar.
AI summary / Updated May 15, 2026
Moneta's USDM has logged 1,656 depeg events despite pristine MMF reserves and MiCA licensing, because zero observable DEX liquidity on Cardano means no arbitrageurs enforce the peg. Moneta's USDM has logged 1,656 depeg events with deviations as extreme as 18% below and 31%...
AI summary · drafted by claude-opus-4-7 · reviewed by @TokenBrice on May 15, 2026 · facts as of May 15, 2026
- Collateral
- USD bank deposits and money market funds managed by Fidelity and Western Asset Management (Moneta/USA issuance) and Sparebanken Norge / Amundi USD MM fund (NBX/EEA issuance), held in segregated reserve accounts
- Peg Mechanism
- Direct 1:1 redemption through Moneta (USA) or NBX (EEA); KYC required; Charli3 oracle verifies reserve backing on-chain before each mint on Cardano
- Jurisdiction
- Norway / Finanstilsynet / MiCA E-Money Token (EMT)
- Proof Of Reserves
- Real-Time PoR by Charli3 Reserve source
- Contracts
- 1 deployment tracked across Cardano.
Snippet Answer
Is USDM safe?
Pharos does not mark USDM as absolutely safe. Static metadata says Moneta uses a Centralized (CeFi) governance model and Real-World Asset Backed backing, with Real-Time PoR from Charli3; the main caveat is that issuer or admin freeze controls are recorded. Treat the live peg, liquidity, reserve, dependency, and Safety Score sections below as the current risk read.
Next Actions
Exact bot target: /subscribe dews,depeg,safety usdm-moneta
Source: checked-in StablecoinMeta profile fields. Live price, supply, reserve, liquidity, event, and safety data load in the interactive dossier below; the summary above was last updated May 15, 2026.
USDM quick answers
What is Moneta (USDM)?
USDM is Moneta's MiCA-compliant dollar stablecoin on Cardano, redeemable 1:1 via Moneta (USA) or NBX (EEA) with reserves at Fidelity, Western Asset, and Amundi. The static profile records its US Dollar peg mechanism as: Direct 1:1 redemption through Moneta (USA) or NBX (EEA); KYC required; Charli3 oracle verifies reserve backing on-chain before each mint on Cardano
What backs USDM?
Pharos classifies USDM backing as Real-World Asset Backed. Collateral, per the static profile: USD bank deposits and money market funds managed by Fidelity and Western Asset Management (Moneta/USA issuance) and Sparebanken Norge / Amundi USD MM fund (NBX/EEA issuance), held in segregated reserve accounts Reserve evidence: Real-Time PoR from Charli3.
Can USDM 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 USDM, when applicable, appear in the dossier below.