USDX Whitepaper

You can read the USDX Whitepaper in Stable's Docs or find the PDF file (USDX Whitepaper.pdf) in this GitHub Repository.

Abstract

The global financial system sits on vast untapped asset equity while increasingly relying on fiat issuance, fueling inflation and instability. Value should flow from assets, not to them.

Stable proposes an asset-based financial system, using a medium of exchange backed by real-world value. Advances in AI and real-time monitoring enable increasingly precise asset valuation, making large-scale implementation more feasible each year.

Real estate is the ideal starting point—globally traded, deeply embedded in finance, yet largely untapped in equity. Stable aims to dissolve that complexity, unlocking its true value.

Table of Contents

1. Introduction
2. Solution
3. Benefits
   • Debt Repayment
   • Spend without Selling
   • Increasing Margins
4. Practical Overview of USDX
5. Technical Overview of USDX
6. Evaluation of Deposits and Depositors
7. Maintaining USDX Peg Stability
8. Rate Determination
   • Real Estate Provides Cheaper Capital
   • LTV Matters
   • Fixed and Range Rates Opportunity
9. Roadmap
10. Future Improvements
11. Conclusion
12. Appendix
    • Staked USDX (USDXS)
    • Stable Real Estate Fund I
13. Glossary
14. References