GradientFI builds composable infrastructure enabling banks and fintechs to issue local currency stablecoins backed by a universal reserve system.
GradientFI leverages digital dollars as a core collateral asset within our universal reserve system that backs local currency stablecoins across 150+ currencies. While traditional stablecoins create isolated USD-dependency, we use USDC as foundational liquidity that enables seamless multi-currency stablecoin issuance without requiring each currency to maintain separate reserves.
Digital dollars serve as primary reserve collateral alongside yield-bearing USD stablecoins in our CDO-style reserve structure. This provides the stable foundation that allows banks and fintechs to mint local currency stablecoins (dEUR, dMXN, dNGN, etc.) without needing separate backing for each denomination.
Enable users to access lending, borrowing, and yield farming in their native currency without USD exposure risk. Example: A Brazilian user can lend dBRL and earn yield without worrying about BRL/USD volatility, making DeFi accessible to billions.
Atomic swaps between any currency pairs (dNGN↔dMXN) without USD routing, eliminating unnecessary intermediation costs and compliance bottlenecks. Reduces cross-border transaction costs by up to 90% for exotic currency pairs.
Workers can send money home in recipients' local currency instantly. Example: A Mexican worker in the U.S. sends dMXN directly to family, who receive pesos without exchange rate uncertainty or days-long settlement delays.
Exporters and importers can conduct cross-border commerce in their preferred currencies with smart contract escrows, automated compliance, and instant settlement. Example: A Nigerian exporter sells to Brazilian importers using dNGN↔dBRL without routing through dollars.
Citizens in high-inflation economies can hold local currency stablecoins backed by diversified reserves that appreciate over time, protecting purchasing power while maintaining local currency familiarity and regulatory compliance.
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