> For the complete documentation index, see [llms.txt](https://docs.usx.capital/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.usx.capital/overview/why-use-usx.md). # Why use USX? USX offers up to 10% annual APY with diversified, sustainable onchain strategies - significantly higher than competing yield-bearing stablecoins. Built as a flagship component of the Scroll ecosystem with deep utility across major DeFi applications. ### Superior Yield Generation #### Competitive APY USX targets an estimated up to 10% annual return, which is significantly higher than existing yield-bearing stablecoins. This represents intrinsic yield generated purely from strategies, not from token rewards or incentives. ***Important Disclaimer:** The "up to 10%" represents the intrinsic yield generated by the protocol (purely from strategies and not extra rewards or token incentives) from onchain strategies (via Blend). Based on past performance, these combined strategies have delivered an estimated 10% return/year. However, kindly note that past performance does not guarantee future results, as returns depend on market conditions.* #### Battle-Tested Strategies By staking USX, anyone can access a simple, transparent yield model powered by battle-tested DeFi strategies without managing the complexity yourself. sUSX acts as an abstraction layer, packaging the best of onchain yield into a single yield-bearing token. ### Diversified and Sustainable Strategies USX generates returns through multiple onchain strategies across various DeFi apps. This diversification reduces risk and ensures a sustainable return profile. #### How Diversification Works * Returns don't depend on a single protocol * Multiple yield sources reduce concentration risk * Strategies are hedged to minimize volatility * Portfolio rebalances to optimize returns across market conditions ### Always Redeemable at 1:1 #### Full Redemption Guarantee USX is fully redeemable 1:1 for the underlying collateral (USDC). This means your stablecoin value is always backed and you can exit whenever needed. **Exit Options** * **Swap Redemption (all users):** Instant via [Scroll Swap](https://swap.scroll.io/swap) at market price * **Direct Redemption (institutional partners):** Up to 14 days at guaranteed 1:1. Contact `usx_operation [at] scroll [dot] io` to initiate. ### Part of Scroll's Ecosystem #### Flagship Product Integration USX is built as a fundamental component of the Scroll ecosystem, with integrations across major apps for deep utility and adoption. #### Built-In Use Cases * Accepted as collateral on Honeypop (Scroll's money market) * Supported on yield trading platforms * Available for liquidity provision across multiple pairs * Used in lending/borrowing protocols throughout Scroll ### Exclusive Scroll Features #### Scroll-Only Benefits As USX expands to other chains, yield features will be available everywhere. However, these Scroll-exclusive advantages remain: * **Gasless transactions** (via Scroll Cloak) * **Practical privacy** (through Cloak's privacy features) * **Direct spendability** (native integration with Scroll ecosystem) ### Simple Entry: No Complexity #### One-Step Staking Convert your USDC to USX, then stake for sUSX. Yield accrues automatically - you don't need to manage positions or claim rewards. Just hold and earn. *** ### Common Questions **Q: How much yield can I expect?** A: Up to 10% annually based on protocol performance. Actual returns vary with market conditions and strategy performance. **Q: Is up to 10% guaranteed?** A: No. Past performance doesn't guarantee future results. Returns depend on onchain strategy performance and market conditions. **Q: What makes USX better than other stablecoins?** A: Combination of returns (up to 10%), diversified strategies, full 1:1 redeemability, deep Scroll ecosystem integration, and lower fees. **Q: Can I withdraw anytime?** A: Yes. Regular users can swap USX → USDC instantly via [Scroll Swap](https://swap.scroll.io/swap). Institutional partners can redeem directly at guaranteed 1:1 (up to 14 days, via `usx_operation [at] scroll [dot] io`). **Q: Why is it only up to 10% and not higher?** A: This number is conservative and sustainable. It comes from real onchain yield sources, not unsustainable token incentives. **Q: Do I need to do anything to earn yield?** A: No. Just hold sUSX and yield accrues automatically. No claiming required. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.usx.capital/overview/why-use-usx.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.