The Private Dollar

USDm is a privacy-preserving stablecoin pegged 1:1 to USD. Built on Monero with FCMP++ cryptography — your money, your privacy.

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$ 1 USDm = 1 USD — protocol enforced

$1.00
Protocol Peg
FCMP++
Privacy Tech
150%+
Min Reserve Ratio
120s
Block Time

Why MoneroUSD

Private, stable, and decentralized. The stablecoin that doesn't compromise.

🔒

Full-Chain Membership Proofs

FCMP++ proves your transaction is valid without revealing which coins you spent. Every transaction references the entire blockchain, making analysis impossible.

💰

USD-Pegged Stability

1 USDm always equals $1 at the protocol level. On-chain conversions enforce the peg through consensus rules — no centralized issuer, no counterparty risk.

🔀

Overcollateralized Swaps

Deposit $150 of BTC or XMR — receive 100 USDm. The 1.5:1 mint ratio means every USDm is backed by $1.50 from day one. The reserve can only grow beyond the 150% floor.

⛏

CPU Mining & Staking

Mine USDm with one click using RandomX. Stake for yield: 1.5% APR (no lock), 3% (30d), 4.5% (90d), 6% (180d). Yield is funded entirely by lending interest — not by inflating supply.

🛡

Biometric Security

Optional Face ID and Touch ID protect sensitive operations. Your biometric binds to your wallet seed — nobody else can authorize transactions.

🌐

Browser & Desktop

Download the native app for macOS, Windows, and Linux. Your keys never leave your device.

How It Works

Three steps to private, stable money.

1

Create Your Wallet

Generate a 25-word seed phrase. That's your only credential — no accounts, no email, no identity verification. Write it down and you control your money forever.

2

Fund with Crypto

Swap BTC or XMR for USDm at live market rates. The protocol mints at a 1.5:1 ratio — deposit $150 of crypto to receive 100 USDm. This keeps every USDm overcollateralized from the moment it exists.

3

Spend Privately

Send USDm to anyone. FCMP++ full-chain membership proofs make every transaction completely untraceable — your balance, your history, and your identity stay private.

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Native desktop wallet for every platform.

macOS

v1.2.98 — Apple Silicon & Intel
Coming Soon — Mac (Apple Silicon) Coming Soon — Mac (Intel)
💻

Windows

v1.2.86 — 64-bit
Coming Soon — Windows
🐧

Linux

v1.2.86 — AppImage
Coming Soon — Linux

macOS Users: Allow App to Run

MoneroUSD is not signed with an Apple Developer certificate, so macOS will show "damaged and can't be opened." To fix this, open Terminal and run:

sudo xattr -rd com.apple.quarantine "/Applications/Monero USD Wallet.app" && sudo codesign --force --deep --sign - "/Applications/Monero USD Wallet.app"

This removes the quarantine flag and ad-hoc signs the app locally. You will be prompted for your Mac password. If it still doesn't open, go to System Settings → Privacy & Security and click "Open Anyway" next to the MoneroUSD message.

FCMP++ Deep Dive

Full Chain Membership Proofs — the next generation of transaction privacy.

What is FCMP++?

FCMP++ (Full Chain Membership Proofs) is a cryptographic upgrade that allows every transaction to reference the entire blockchain as its anonymity set. Instead of selecting a small ring of decoys, your transaction proves membership across all outputs ever created — without revealing which one you spent.

Why It Matters

Traditional ring signatures use 11-16 decoys, giving statistical heuristics a foothold. With FCMP++, the anonymity set is every output on-chain — millions of possibilities. Blockchain analysis becomes cryptographically impossible, not just statistically difficult.

How It Works

FCMP++ uses a Curve Trees construction — a tree of elliptic curve points representing all on-chain outputs. A zero-knowledge proof demonstrates your output exists somewhere in this tree without revealing its position. The proof is compact, fast to verify, and computationally sound.

Performance

Despite referencing the entire chain, FCMP++ proofs are smaller than current ring signatures. Transaction verification is fast, keeping block validation efficient. The privacy upgrade comes with no cost to scalability.

Ring Signatures (Legacy)

  • 11-16 decoy outputs per input
  • Statistical analysis can narrow candidates
  • Decoy selection heuristics exploitable
  • Privacy degrades over time with chain analysis

FCMP++ (MoneroUSD)

  • Every output on-chain is a candidate
  • Zero-knowledge proof — no information leakage
  • No decoy selection — no heuristic attacks
  • Privacy is cryptographic, not statistical

FAQ

Common questions about MoneroUSD.

USDm is a privacy-preserving stablecoin pegged 1:1 to the US dollar. It's built on Monero technology with FCMP++ cryptography, giving you the stability of a dollar with the privacy guarantees of Monero. There's no centralized issuer — the peg is enforced at the protocol level through consensus rules.
Every USDm is backed by at least $1.50 of BTC or XMR held in the protocol's reserve wallets. Swaps mint at a 1.5:1 ratio (deposit $150 → receive 100 USDm), so the reserve grows with every entry. Auto-mining is gated by reserve health and halts if the ratio would drop below 150%. Staking yield is funded only by loan interest — reserves are never drawn down to pay yields.
Ring signatures hide your transaction among 11-16 decoys, but statistical analysis can narrow down candidates over time. FCMP++ references every output on the entire blockchain as a potential source, using zero-knowledge proofs to verify without revealing which output is yours. The anonymity set goes from ~16 to millions.
Yes. MoneroUSD uses RandomX proof-of-work, which is designed to run efficiently on consumer CPUs and resist ASIC/GPU optimization. You can start mining directly from the wallet app with one click — no external software needed.
No. Your 25-word seed phrase is generated locally on your device and never transmitted to any server. It is the sole key to your wallet — if you lose it, your funds cannot be recovered. Write it down on paper and store it securely.
macOS applies a quarantine flag to apps downloaded from the internet that aren't signed with an Apple Developer certificate. MoneroUSD is open-source and not signed by Apple. To run the app, open Terminal and run: sudo xattr -rd com.apple.quarantine "/Applications/Monero USD Wallet.app" && sudo codesign --force --deep --sign - "/Applications/Monero USD Wallet.app" — this removes the quarantine flag and ad-hoc signs the app locally. If it still won't open, go to System Settings → Privacy & Security and click "Open Anyway."
Open the wallet (browser or desktop), go to the Swap tab, select BTC or XMR, enter the amount, and confirm. The protocol mints at a 1.5:1 ratio — for every $1.50 of crypto you deposit, you receive 1 USDm. This overcollateralizes every mint from creation. Your rate is locked at the moment of swap creation using median oracle pricing.
Yes. The desktop wallet includes a "Create Node" button that can build and run a local MoneroUSD node directly on your machine. Running your own node gives you full sovereignty — you verify transactions yourself without trusting any third-party server.

Download the Wallet

Download the native desktop wallet for macOS, Windows, and Linux. Your keys never leave your device.

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