United States Accruing Treasury Backed Token

Your deposit.
Compounding.

7–8% — Accruing · Fully Liquid

USATBT compounds your yield daily at a targeted 7–8% annual rate — paid annually, fully liquid, with no lockup period.

Acquire USATBT See the Structure
Backing1:1 U.S. Treasury
TermNo Lockup
Yield7–8% Accruing
FeesNone
CompoundingDaily
RedemptionAt Maturity
StandardGENIUS Act · FinCEN · NIST
Backing1:1 U.S. Treasury
TermNo Lockup
Yield7–8% Accruing
FeesNone
CompoundingDaily
RedemptionAt Maturity
StandardGENIUS Act · FinCEN · NIST
Token Structure
Yield
7–8%
Targeted annual yield, accruing and compounding daily for as long as you hold
Term
Openterm
No fixed term. Redeem at any time and receive your principal plus all accrued yield.
Backing
1:1
Every USATBT is backed dollar-for-dollar by U.S. Treasuries 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
7–8%
Targeted Annual Yield · Accruing Daily · Paid at Maturity
$10,000 Deposit
+$700–800
$100,000 Deposit
+$7,000–8,000
$1,000,000 Deposit
+$70,000–80,000
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 Daily
Your deposit is backed by U.S. Treasuries. Yield accrues and compounds daily at 7–8% annually. You hold your tokens. You hold your receipt.
04
Redeem at Maturity
Whenever you choose, burn your USATBT tokens and receive your full principal plus all accrued yield.
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.

Fully liquid.
Seven to eight percent.
Compounding daily.

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

Start Your Deposit Review the Terms