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1Money 1USD Stablecoin

Every 1USD is backed at least 1:1 by cash and U.S. dollar-denominated reserve assets. Each month, an independent accounting firm examines management's assertion that reserve assets equal or exceed redeemable 1USD outstanding, and 1Money publishes the resulting reports.

1USD reserve assets

Reserve Attestation

This attestation report provides an opinion on management's assertion that reserve assets equal or exceed the redeemable 1USD outstanding as of the report date. The examination was conducted by The Network Firm LLP in accordance with attestation standards established by the American Institute of Certified Public Accountants (AICPA).

1USD Smart Contract Code

Download the audited 1Money 1USD Stablecoin smart contract source code.

1USD: a dollar you can trust,
move anywhere, instantly

1:1 USD-backed

Each 1USD is designed to be redeemable 1:1 for U.S. dollars, backed by cash and U.S. dollar-denominated reserves such as short-duration Treasury funds.

Issued on a compliance-first platform

1USD is issued by 1Money USA, Inc., a FinCEN-registered MSB, licensed as required in the U.S. jurisdictions where it operates.

Built for fast, low-cost payments

Transfers generally settle in under a second with fixed, predictable fees.

Launch your stablecoin with 1Money

1Money gives you everything needed to issue, custody, and move a branded stablecoin, built on a regulated platform with money transmitter licenses across U.S. jurisdictions. Get in touch to scope your launch.

Frequently asked questions

Quick, clear answers to your most common questions.

OverviewTrust & ComplianceReservesMint & Redeem MechanicsBuilding with 1USD

Overview

1USD is a U.S. dollar–denominated payment stablecoin issued by 1Money USA, Inc. (“1Money”). Each 1USD token is designed to maintain a one-to-one value with the U.S. dollar and is fully backed on at least a one-to-one basis by reserves. 1USD is built to function as reliable, programmable money for payments and on-chain settlement.

Trust & Compliance

Trust and compliance are the foundation of 1USD. 1USD is issued by a regulated U.S. money services business. Every token is fully backed on at least a one-to-one basis, and our compliance program is built around the obligations of a FinCEN-registered money services business and state-licensed money transmitter, including BSA/AML, sanctions screening, and applicable consumer-protection standards.

  • Issued by a FinCEN-registered money services business, licensed as a money transmitter or its jurisdictional equivalent where required.
  • Currently regulated under state money-transmission law, and designed to be issued and regulated as a payment stablecoin under the GENIUS Act.
  • Fully reserved, with reserves held in cash and short-dated U.S. dollar assets of the categories permitted under the applicable stablecoin terms.
  • Subject to a comprehensive BSA/AML and sanctions compliance program.

Reserves

1USD is fully backed on at least a one-to-one basis. For each 1USD issued and outstanding, 1Money holds one U.S. dollar or an equivalent amount of U.S. dollar-denominated reserve assets. Reserves may consist of cash and short-dated U.S. dollar assets of the categories permitted under the applicable stablecoin terms, selected for safety and liquidity, so that 1USD can be redeemed for its dollar value.

Mint & Redeem Mechanics

Eligible, onboarded participants mint 1USD by delivering acceptable funds to 1Money. Upon receipt and clearance of those funds, an equivalent amount of 1USD is issued to the participant’s designated wallet address.

1USD is issued against U.S. dollars at a rate of one 1USD per one U.S. dollar. 1USD may also be obtained by exchanging supported digital assets, including USDC, at the exchange rate 1Money determines at the time of conversion, which may include a spread or fee.

Building with 1USD

Integration details, supported networks, contract addresses, API references, and onboarding steps are published in the Developer Portal. Begin with the integration guide and the onboarding workflow to obtain access credentials and complete eligibility requirements.
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© 2026 1Money USA, Inc. All rights reserved.

1Money USA, Inc. (NMLS ID # 2628653) is a FinCEN-registered Money Services Business that offers its regulated products and services across the United States through its various money transmitter licenses or their jurisdictional equivalents, where applicable. For more licensing information, including regarding support and/or filing complaints, see our Licenses here. You may also consult www.nmlsconsumeraccess.org for additional information.1Money Bermuda Ltd. is a digital asset business licensed by the Bermuda Monetary Authority to operate as a digital asset exchange and services vendor, provide custodial wallet services, operate as a payments service provider, and issue, sell, and redeem digital assets.Neither 1Money USA, Inc. nor 1Money Bermuda Ltd. are licensed or chartered as depository institutions or directly offer or provide banking services. Digital assets are not bank deposits or other deposit accounts. Digital assets, including stablecoins, available through or from either of 1Money USA, Inc. or 1Money Bermuda Ltd., are not insured by the FDIC, SIPC, or any other public or private insurer, including against cyber theft or theft by other means. Neither 1Money USA, Inc. nor 1Money Bermuda Ltd. intend for any digital assets offered to its customers to constitute a securities offering or an investment in a securities offering.Stablecoins, including payment stablecoins are not legal tender, and are not be backed by the full faith and credit of the United States, guaranteed by the United States Government, subject to deposit insurance by the Federal Deposit Insurance Corporation, or subject to share insurance by the National Credit Union Administration.When you buy, sell, or convert digital assets on our platform, we will disclose the fees you will be charged for that transaction. See our fee schedule for more information.Virtual currencies and digital assets of all types, including stablecoins, are subject to a number of risks. Engaging in any activity regarding virtual currencies or digital assets may result in losses. Certain platforms that offer virtual currencies and digital assets may not be regulated and may not implement or maintain appropriate customer protections available with regulated platforms, products, and services. Accordingly, the level of risks may be too high for some based on their unique circumstances. Virtual currencies and digital assets, including stablecoins, may not be deemed not legal tender. While a person currently may be able to acquire and hold virtual currencies and digital assets, including stablecoins, there is a risk that, in the future, it may not be possible to transfer, trade, use, or redeem virtual currencies and digital assets, including stablecoins. The past performance of a virtual currency or digital asset is not a benchmark for future performance, nor is it a reliable indicator of future results or performance. Neither 1Money USA, Inc. nor 1Money Bermuda Ltd. makes any recommendations regarding buying or selling digital assets. Consider seeking advice from your professional, financial, or tax advisor.WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.Additional disclosures can be found on the Legal and Privacy page.