What was once reserved for the wealthiest institutions on earth is now fractionalized — and available to anyone willing to participate.
Token Structure
Targeted Annual Yield
7%
Distribution
Monthly
Backing
1:1 U.S. Treasury Deposit
Liquidity
Daily
Fees
None
Yield in Practice
Deposit
Monthly Income
Annual Income
$10,000
$58.33
$700
$100,000
$583.33
$7,000
$1,000,000
$5,833.33
$70,000
How It Works
01
Verify Your Identity
Complete one-time KYC onboarding. Your self-sovereign digital identity is issued and remains entirely yours.
02
Deposit & Mint
Transfer your funds to the LenderLab treasury account. USYTBT mints 1:1 as your digital receipt of deposit. No fees deducted.
03
Earn Monthly
Your deposit is backed by U.S. Treasury holdings. 7% annual yield is distributed directly to your wallet, every month, automatically. Hold longer than one year and your rate steps up by 0.25% for each additional year — reaching a maximum of 8% at the four-year mark.
04
Redeem Anytime
Burn your tokens whenever you choose. Receive your full principal back. No waiting period, no penalty.
Regulatory Alignment
GENIUS Act
✓
FinCEN
✓
NIST Cybersecurity
✓
W3C DID / SSI
✓
SEC FinHub
✓
On-Chain Transparency
✓
Seven percent. Every single month.
Deposit once. Earn monthly. Redeem whenever you choose.