Welcome to U's Resources

Asset Eligibility Criteria

Reserve assets are generally selected based on criteria relating to credit quality, liquidity, and maturity. United Stables Limited seeks to prioritize assets that can typically be liquidated within 24–48 hours under normal market conditions.

Concentration Limits

To mitigate counterparty risk, no single financial institution or asset class may account for more than 25% of total reserves.

Liquidity Requirements and Stress Testing

United Stables intends to maintain a minimum liquidity buffer of 10% of outstanding $U in overnight cash to meet immediate redemption requests. Regular stress tests simulate extreme market conditions to ensure resilience.

Rebalancing Frequency

The reserve portfolio is rebalanced weekly to maintain target asset allocation and liquidity levels.

Engagement of Investment Managers

United Stables Holdings Limited and United Stables Limited may engage professional investment managers to support reserve oversight and management.

Reserve Administration Structure

$U cash reserves are administered primarily by United Stables Holdings Limited, an entity in process to be registered as a 'Registered Person' under the Securities Investment Business act in the Cayman Islands, which is responsible for administering the reserve accounts associated with $U. In certain circumstances and for operational purposes, United Stables Limited may also hold portions of the cash reserves directly. Reserves are held in segregated bank accounts under accredited banks, separate from United Stables Limited's and United Stables Holdings Limited operational funds. Stablecoins reserves are custody by Ceffu, a regulated digital assets custody provider for institutions.

Segregation of Assets

Reserve assets administered by United Stables Holdings Limited and United Stables Limited are intended to be maintained in accounts separate from operating funds. Such segregation is for operational purposes only and does not create a statutory trust, fiduciary duty, proprietary right, or priority claim in favour of $U holders. In an insolvency scenario, recovery of reserve assets would depend on applicable law and the specific legal arrangements in place at the time.

Real-Time Proof of Reserve

United Stables Limited publishes real-time or near real-time on-chain Proof of Reserve for the Stablecoin reserves, allowing users to independently verify that the circulating supply of $U is supported by corresponding reserve assets to the extent such assets are capable of on-chain verification.

Quarterly Third-Party Audits

Leading audit firms conduct quarterly attestations of $U reserves, both fiat and stablecoins. Audit reports are published on u.tech webpage and include:

• Verification of total $U supply.
• Confirmation of reserve asset composition and valuation.
• Assessment of compliance with reserve management policies.

The global cryptocurrency trading market represents one of the largest opportunities for stablecoin adoption. Stablecoins account for 70-80% of all trading volume, serving as the essential bridge between fiat and crypto assets. Currently, this liquidity is fragmented across multiple stablecoins, creating inefficiencies and limiting capital velocity.

Our strategic approach focuses on comprehensive exchange listings across both centralized and decentralized venues, intended to offer superior liquidity depth and tighter spreads, creating a differentiated trading experience.

The DeFi ecosystem represents a rapidly growing market where stablecoins serve as the primary medium for lending, borrowing, and yield generation. As institutional capital increasingly enters DeFi, demand for compliant, transparent, and yield-bearing stablecoins continues to accelerate.

Strategic partnerships with yield aggregators will enable optimization of returns across multiple protocols simultaneously.

A critical growth driver for $U is to participate in new token sales, benefiting from price stability during subscription periods, instant settlement for token distribution, and borderless participation without banking friction. This positions $U as the standard currency for primary market access in the digital asset ecosystem, creating natural demand cycles as new projects launch and investors seek stable entry points.

The OTC market serves as the primary venue for institutional-scale transactions, accommodating hedge funds, family offices, corporations, and high-net-worth individuals. These trades require stable, compliant settlement currencies with deep liquidity and institutional-grade custody infrastructure.

$U may be used as a primary settlement currency for block trades, portfolio rebalancing, and cross-desk arbitrage. For institutional clients, $U seeks to provide transparent reserves verified through real-time Proof of Reserve and quarterly third-party audits, and deep liquidity facilitating large-scale transactions without market impact.

Beyond OTC trading, $U may be utilized by certain institutional platforms as part of their collateral for margin financing, support lending or financing arrangements where allowed, and provide unified account management across spot, derivatives, and DeFi positions. Corporate treasurers seeking crypto exposure or treasury diversification may use $U to hold stable reserve assets earning yield, execute international supplier payments, and deploy idle cash for superior returns compared to traditional bank accounts. This institutional adoption creates a virtuous cycle where corporate treasury usage drives broader payment adoption across supply chains and business networks.

The global cross-border payments market represents a massive opportunity where traditional rails such as SWIFT and correspondent banking suffer from significant inefficiencies—slow settlement times (3-5 days), high costs (3-7% including FX markups), and limited transparency. $U will serve as an alternative payment rail for both B2B (business-to-business) and B2C (business-to-consumer) transactions, offering fundamental improvements in speed, cost, and accessibility, by partnering with Stablecoin payment companies, wallets, payment networks and merchants.

The AI agent economy represents one of the most transformative emerging trends in technology. Autonomous AI agents are increasingly managing economic activity across trading, portfolio management, supply chain optimization, and service procurement. These agents require programmable, instant, and borderless payment capabilities—precisely what stablecoins offer. $U is architectured to be EIP-3009–compliant, enabling gasless, signature-based authorization of token transfers.

This standard provides the foundational capability for x402-based payment flows on BNB Chain, where verified Facilitators can execute authorized transfers on behalf of users or AI agents.

Through this dual-layer integration — EIP-3009 at the token-contract level and x402 at the application-protocol level — $U becomes a native payment medium for autonomous and verifiable transactions across the emerging AI payment ecosystem.

Independent Third-Party Audits

Prior to deployment, all $U smart contracts undergo comprehensive security audits by leading security and consultancy firms. Audit reports are publicly available on u.tech webpage.

Continuous Security Monitoring

Post-deployment, United Stables employs continuous monitoring tools to detect anomalies and potential security threats. A bug bounty program incentivizes white-hat hackers to identify vulnerabilities.

United Stables Limited is incorporated in the British Virgin Islands as a BVI Business Company. The issuance, holding, and transfer of $U do not constitute a regulated activity under the Securities and Investment Business Act, 2010 ("SIBA"), and United Stables Limited is not licensed, authorised, or supervised by the Financial Services Commission of the British Virgin Islands or any other governmental authority.

United Stables Limited has not obtained registration or licensing for $U under the following regulatory regimes: the Stablecoins Ordinance of Hong Kong (Chapter 656), the United States GENIUS Act of 2025, the Securities Act of 1933 of the United States (as amended), or any securities laws of any U.S. state or other U.S. or Hong Kong jurisdiction.

Consequently, $U and all associated products and services referenced in this document are not directed at, and may not be accessed or used by, any individual or entity located in, incorporated in, or otherwise subject to the jurisdiction of, the United States. This document, including its contents and any reproductions, shall not be distributed, published, transmitted, or otherwise made available—whether directly or indirectly—in or into the United States, or to any U.S. persons or entities.

$U is not an e-money token or asset-referenced token approved under Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA). Accordingly, $U may be subject to restrictions on marketing, trading, or availability within the European Economic Area (EEA), as it may not be offered to the public or admitted to trading under MiCA.

United Stables Limited will not process any minting or redemption requests originating from, or made on behalf of, restricted or prohibited jurisdictions.

This Business Proposal is published for informational purposes only and does not constitute an offer or solicitation to purchase, sell, or subscribe for $U or any other financial instrument. This document is not a prospectus, offering memorandum, or contractual document, and should not be relied upon for investment, legal, tax or financial decisions. Any offer or solicitation can only be made through formal offering documents in compliance with applicable laws and regulations.

United Stables Limited seeks to maintain reserves designed to support redemptions of $U; however: redemption may be delayed, restricted, or suspended due to operational, regulatory, banking, market, or compliance requirements, and $U does not represent a claim, deposit, or debt obligation of United Stables Limited or any affiliate.

Holding $U does not entitle the holder to any interest, profits, dividends, voting rights, or ownership in United Stables Limited, United Stables Holdings Limited, or any related entity.

All minting, redemption, and account-related activities are subject to customer due diligence, ongoing monitoring, and sanctions screening requirements under the laws of the British Virgin Islands. United Stables Limited may refuse, delay, or reverse any transaction where required for compliance with applicable AML, CFT, or sanctions obligations.

Blockchain networks, smart contracts, custody systems, and third-party service providers may experience vulnerabilities, cyber attacks, downtime, or failures. United Stables Limited does not guarantee uninterrupted access to $U or error-free operation of any related technology.

Reserve assets are held with third-party financial institutions and custody providers. United Stables Limited does not guarantee the solvency, performance, or operational continuity of any banking or custody partner, and is not liable for losses arising from their actions or failures.

Segregation of reserve accounts does not create a statutory trust or confer any priority rights in insolvency. Holders of $U do not have a proprietary, secured, or preferential right over reserve assets unless expressly provided in separate binding documentation.

References to future features, integrations, or ecosystem developments are forward-looking statements and may change without notice. No representation or warranty is made that any described functionality will be implemented.

$U may not be used, held, or accessed in any jurisdiction where such activity would be unlawful. Users are responsible for ensuring compliance with all applicable laws.

United Stables does not provide legal, tax, or investment advice. Holders are solely responsible for assessing the suitability of $U for their individual circumstances and should consult with professional advisors as needed.

This document may contain forward-looking statements regarding future development, features, or initiatives. These statements are aspirational and subject to change and should not be interpreted as commitments, guarantees, or assurances of future performance.

This document may be amended, supplemented, or updated at any time without prior notice. The most current version is available at u.tech.