> 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/resources/faq.md).

# FAQ

### General Overview

<details>

<summary>What is USX and what are its features?</summary>

USX is a fully-collateralized stablecoin that generates stable rewards through onchain strategies. Here's how it works:

Swap to USX - Deposit any token to receive USX.

* Swap to USX - Deposit any token to receive USX.
* Sustainable Rewards - Stake USX and get sUSX to receive rewards
* Immediately Usable - USX is fully backed by USDC, maintaining its stable value for seamless transactions.

</details>

<details>

<summary>What’s the relationship between Scroll and USX?</summary>

USX.capital is a standalone project. While members of the Scroll team are building USX, the project itself operates independently and is not governed by Scroll or SCR token. The project is launching initially on Scroll and will expand to multiple chains in the future.

</details>

<details>

<summary>Is USX safe and audited?</summary>

Security is our top priority. USX features:

* Pre-deposit smart contracts audited by [Zellic](https://zellic.io/). Find the report in [Security & Audits](/resources/security-and-audits.md).
* Blend has undergone multiple [audits](https://docs.blend.money/resources/audits).
* Formal verification processes.
* A pause function that stops fund movement if a security threat is detected.
* Dedicated onchain insurance fund (5% of generated yield is pooled).

</details>

<details>

<summary>How does USX generate rewards?</summary>

USX uses onchain DeFi strategies to generate rewards. It utilizes Blend which provides the onchain execution infrastructure that coordinates yield strategies through lending, tranching, and liquidity provision while enforcing automated policy and safety controls.

</details>

<details>

<summary>What is Scroll Cloak?</summary>

Scroll Cloak is Scroll’s auditable privacy solution. You can read about it [here](https://x.com/scroll_zkp/status/1960326803148407223).

</details>

<details>

<summary>What asset(s) can I use to swap to USX?</summary>

You can use any asset for swapping to USX via the swap page: [https://usx.capital/get-usx](https://www.usx.capital/get-usx). It also supports cross-chain swaps.

</details>

### USX and sUSX

<details>

<summary>What's the difference between USX and sUSX?</summary>

USX is a regular stablecoin pegged to $1 and fully collateralised by USDC. sUSX is the yield bearing version that represents your share in the yield generating vault. While the number of sUSX tokens in your wallet remains constant, their value in terms of USX (USD) increases over time.

</details>

<details>

<summary>When does the value of sUSX change?</summary>

The value of sUSX changes in real time whenever there are pending rewards, reflecting continuous yield accrual as profits are distributed to the protocol.

</details>

<details>

<summary>How do I convert between USX and sUSX?</summary>

You can stake USX for sUSX through our platform with no minimum amount required with zero fees.

When unstaking, your sUSX is burned and you receive your original USX deposit plus accrued yield based on the current exchange rate. A 0.05% unstaking fee applies.

</details>

### Rewards and Yield

<details>

<summary>How does USX generate revenue?</summary>

USX earns revenue through three transparent and sustainable ways:

* Unallocated yield from unstaked USX - When users hold USX without staking to sUSX, their funds don’t earn yield. However, the underlying strategies that back all USX continue generating returns. The yield from these unstaked balances accrues to the protocol, strengthening reserves and sustainability.
* Protocol fee on generated yield (10%) - A 10% fee is applied only on positive yield.
* Unstaking fee (0.05%) - When converting sUSX → USX, a small 0.05% fee applies to cover operational costs and maintain liquidity efficiency.

</details>

<details>

<summary>What does up to 10% return mean?</summary>

This represents the intrinsic yield generated by the protocol (purely from strategies and not extra rewards or token incentives) from onchain DeFi strategies. Based on past performance, these strategies have delivered up to 10% return per year. However, kindly note that past performance does not guarantee future results, as returns depend on onchain market conditions.

</details>

<details>

<summary>Will funds deposited in the pre-deposit campaign generate rewards?</summary>

Yes, you'll get points during the pre-deposit campaign with multipliers based on TVL.

</details>

<details>

<summary>How do I track my earnings?</summary>

Once USX mainnet launches, you'll be able to track sUSX’s value and earnings in real-time through our dashboard. The increasing exchange rate between USX and sUSX reflects your earned yield.

</details>

<details>

<summary>What happens if strategy returns are negative?</summary>

If strategies underperform, the reserve fund absorbs losses rather than passing them to sUSX holders.

</details>

### About Points Program

<details>

<summary>When and where do I see my points?</summary>

Points are updated real time and can be tracked at: <https://www.usx.capital/portfolio>

</details>

<details>

<summary>What happens if I unstake sUSX?</summary>

You won't receive yield and points during the unstaking process. Unstaking is instant and you receive USX in your wallet immediately with no waiting period.

</details>

<details>

<summary>Can I withdraw funds from the protocol and still earn points?</summary>

Points are calculated only on deposits that remain in the protocol. Partial withdrawals reduce your point rate proportionally.

</details>

<details>

<summary>What's the endgame for points?</summary>

Reveal coming in a few weeks. Stay tuned for updates on our official channels!

</details>

<details>

<summary>What if there's an error in my points calculation?</summary>

If you believe there's an error in your points calculation, reach out via [discord](https://discord.com/invite/scroll).

</details>

<details>

<summary>How do I join the USX community?</summary>

Verify your deposit at [era.guild.xyz/scroll-zkp](https://era.guild.xyz/scroll-zkp) to get the "USX pre-depositoors" discord role and share feedback directly with the team.

</details>


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