Dear users,
JustLend DAO has added U as a collateralizable asset on June 20, 2026 (SGT), users will be able to supply and borrow U from that point forward. For more details, please refer to Proposal to add the U Market.
Introduction to U
United Stables (U) is a premier USD-pegged stablecoin issued on the TRC-20 standard, engineered to serve as a high-performance liquidity layer within the global digital economy. Designed to solve the challenges of fragmented capital across decentralized and centralized platforms, U provides a seamless bridge for value transfer. It is specifically optimized for the next generation of commerce, offering the speed and reliability necessary to power autonomous machine-to-machine (M2M) payments and AI-driven financial ecosystems.
The stability of U is maintained through a rigorous 1:1 backing by high-quality, transparent reserves, supported by Proof of Reserves (PoR) to ensure institutional-grade security. By integrating with the TRON network’s low-latency infrastructure, U offers users a scalable and highly liquid asset. Its introduction to the JustLend DAO market provides a robust new stablecoin type that enhances the protocol’s diversity while catering to the sophisticated needs of DeFi participants.
Market Parameters
The collateral factor of U is set at 0%, and its reserve factor is set at 10%.
The U market adopts the jumping interest model, where the interest rate rockets to a higher tier when the utilization rate exceeds 80%. Its Supply APY hits 72% when the utilization rate reaches 100%. Supply and borrow APYs at different utilization rates are as follows:
| Utilization rate | Borrow Base APY | Supply Base APY |
| 0% | 0.00% | 0.00% |
| 10% | 0.63% | 0.06% |
| 20% | 1.25% | 0.23% |
| 30% | 1.88% | 0.51% |
| 40% | 2.50% | 0.90% |
| 50% | 3.13% | 1.41% |
| 60% | 3.75% | 2.03% |
| 70% | 4.38% | 2.76% |
| 80% | 5.00% | 3.60% |
| 90% | 42.50% | 34.43% |
| 100% | 80.00% | 72.00% |
As JustLend DAO has granted the right of governance to the community, the decision to launch a new market needs to be decided by the community through voting. We have initiated the proposal on the parameters mentioned above. Please closely follow JustLend Proposals for more details.
Thank you for your support!
JustLend DAO
June 21, 2026 (Singapore time)