United States Accruing Treasury Backed Token

Your deposit.
Compounding.

4% — Accruing · 6 Months

USATBT locks your deposit for six months and returns it with 4% yield — fully accrued and compounded. Backed 1:1 by U.S. Treasury securities. No guesswork. No fees.

Acquire USATBT See the Structure
Backing1:1 U.S. Treasury
Term6 Months
Yield4% Accruing
FeesNone
CompoundingDaily
RedemptionAt Maturity
StandardGENIUS Act · FinCEN · NIST
Backing1:1 U.S. Treasury
Term6 Months
Yield4% Accruing
FeesNone
CompoundingDaily
RedemptionAt Maturity
StandardGENIUS Act · FinCEN · NIST
Token Structure
Yield
4%
Targeted annual yield, accruing and compounding daily over the full 6-month term. Distributed at maturity.
Term
6mo
Fixed 6-month deposit period. Your principal and accrued yield are returned in full at maturity.
Backing
1:1
Every USATBT is backed dollar-for-dollar by U.S. Treasury securities held in a segregated LenderLab treasury account.
Fees
$0
No minting fees. No platform fees. No hidden charges. You deposit a dollar, a dollar goes to work.
Yield Structure
4%
Targeted Annual Yield · Accruing Daily · Paid at Maturity
$10,000 Deposit
+$200
$100,000 Deposit
+$2,000
$1,000,000 Deposit
+$20,000
How It Works
01
Complete KYC & Onboarding
Verify your identity through our secure, one-time onboarding process. Your W3C Self-Sovereign Digital Identity is issued and remains yours.
02
Deposit & Mint
Transfer your funds to the LenderLab treasury account. USATBT tokens are minted 1:1 as your digital receipt of deposit. No fees deducted.
03
Accrue for 6 Months
Your deposit is backed by U.S. Treasury securities. Yield accrues and compounds daily at 4% annually. You hold your tokens. You hold your receipt.
04
Redeem at Maturity
At 6 months, burn your USATBT tokens and receive your full principal plus all accrued yield — directly to your wallet. No action required ahead of time.
Regulatory Alignment
✓
GENIUS ActFully aligned with the Digital Asset framework under the GENIUS Act.
✓
FinCENAnti-money laundering and BSA compliance built into every transaction.
✓
NIST CybersecurityDigital infrastructure built to NIST cybersecurity framework standards.
✓
W3C DID / SSISelf-sovereign identity — your credentials stay yours.
✓
SEC FinHubStructured in alignment with SEC FinHub proposal standards.
✓
On-Chain TransparencyEvery reserve publicly verifiable on-chain, 24/7.

Six months.
Four percent.
Zero risk.

Deposit today. Collect at maturity. USATBT does the work.

Start Your Deposit Review the Terms