Ondo 美元收益率 (USDY)
USDY 是一種非重新定價的 ERC20 代幣，代表可產生收益的美元存款，其轉帳限制透過白名單和黑名單進行管理。
使用者10萬至20萬
推出2022年
鏈條
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開始建構USDY 是一種非重新定價的 ERC20 代幣，代表可產生收益的美元存款，其轉帳限制透過白名單和黑名單進行管理。
通過 SOC 2 Type II 認證 · ISO 27001
USDY is an ERC20 token developed by Ondo that provides exposure to real-world assets (RWAs) through a non-rebasing yield-bearing token. Unlike rebasing tokens, USDY accrues value exclusively through price appreciation, making it similar to Ondo's OUSG token but with different transfer restrictions. USDY is designed for users who want to hold US dollar-denominated yield-bearing assets on-chain without undergoing the same KYC requirements as other Ondo tokens, instead gating transfers via an allowlist, blocklist, and sanctions list. This approach balances regulatory compliance with user accessibility.
The core of USDY's functionality is built on Ondo's RWAHub protocol, which manages subscriptions and redemptions of RWA tokens by interacting with third-party custodians that hold the underlying assets. Users mint USDY by depositing USDC and requesting a subscription; after off-chain asset purchases and price setting by trusted oracles, users can claim their USDY tokens. Redemption works similarly in reverse, with tokens burned to redeem USDC after asset liquidation. The protocol uses a pricer contract to synchronize prices with an oracle, ensuring accurate valuation.
USDY's architecture includes upgradeable proxy contracts following EIP-1967 standards, allowing for future upgrades without disrupting user balances. Transfer restrictions are enforced through external calls to allowlist, blocklist, and sanctions list contracts, ensuring compliance with regulatory requirements. The allowlist mechanism requires users to self-certify agreement to valid terms, while the blocklist and sanctions list prevent interactions with disallowed addresses. Developers can integrate USDY by interacting with the USDYManager contract, which also supports off-chain redemptions via wire transfers.
To get started, developers can deploy and test USDY using Ondo's open-source contracts and Foundry-based test suites. The repository includes scripts for local blockchain setup, testing, and gas reporting. Comprehensive contract documentation and audit reports for the oracle and pricing mechanisms are publicly available, supporting secure integration and development.
Accessing yield-bearing real-world assets on-chain involves regulatory and compliance challenges, including KYC requirements and transfer restrictions. Managing accurate pricing and redemption processes for these assets is complex, especially when integrating off-chain custodians and oracles.
Manages minting and redemption workflows by coordinating with custodians and trusted oracles.
Ensures accurate and auditable price feeds for deposits and redemptions via external oracle calls.
Allows users to request redemptions serviced through wire transfers, expanding usability.
Financial institutions can gain on-chain exposure to yield-bearing real-world assets without full KYC for every participant.
DeFi developers can integrate USDY as a compliant, yield-bearing stablecoin alternative in their protocols.
Enterprises can use USDY to manage treasury assets on-chain with regulatory controls and upgradeable contract architecture.
橫跨 80 多條區塊鏈的免費 RPC 服務。30 秒內即可建立端點。
探索與 Ondo US Dollar Yield (USDY) 類似的 Web3 競爭對手及應用程式。
標準 | |
|---|---|
| 價格（每月） | 免費 |
| 價格（年度） | 免費 |
| 訊息傳遞 | 不適用 |
| 支援 | 透過 GitHub 獲得社群支援 |
| 分析 |
可靠的 RPC、強大的 API，且完全無需費心。
Ondo provides detailed documentation, open-source smart contracts, and audit reports to support developers integrating USDY. The GitHub repository includes testing frameworks and deployment scripts to facilitate local development and testing.
