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MoonPay enables you to launch a US-regulated, branded stablecoin without building the regulatory, custody, or smart contract stack yourself. MoonPay USA LLC acts as issuer of record, handling licensing, reserve custody, compliance, and mint and burn execution. You keep the brand, the economics, and the user experience.

Regulated US issuer

MoonPay USA LLC is the issuer of record for your stablecoin. At launch, your stablecoin can be bought and sold in 48 US states (excludes NY and CO).

Rewards from day one

Earn a share of reserve rewards on circulating supply, distributed as newly minted tokens on a cadence you set.

Instant liquidity

A professional solver network delivers USDC and USDT swaps with no slippage, no bridge delay, and no pre-seeded pools.

Full distribution

Live on Iron Virtual Account APIs, MoonPay Ramps, Swaps and Deposits from launch.

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How it works

1

Configure your stablecoin

Define token name, ticker, supported chains (EVM and/or Solana), rewards recipient address, and access controls. Iron deploys audited smart contracts on your behalf through our partnership with M0.
2

Mint via API or Dashboard

Authorized counterparties send USD (wire, SWIFT, ACH), USDC, or USDT to Iron. Iron places funds in a segregated reserve account and mints the matching supply to the destination wallet.
3

Reserves are managed automatically

MoonPay holds reserves in GENIUS-compliant assets. Reserve accounts are segregated and designed to protect holders in line with GENIUS regulations.
4

Rewards accrue on-chain

Rewards accrue per block to outstanding supply and compound continuously, then distribute as newly minted tokens to your designated recipient address.
5

Redeem at any time

Iron burns the stablecoin, releases funds from the reserve account, and pays out. No minimums, no volume caps.
The mint and burn window for USD wire, SWIFT, and ACH rails is Monday to Friday, 9:00 PM ET (previous day) to 5:00 PM ET. Requests received after 5:00 PM ET are processed at the start of the next window. Stablecoin-funded mints and redemptions (USDC, USDT) are not subject to this window.

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Next steps

Mint, Redeem and Swap

Move between your stablecoin and USD, USDC, and USDT.

Reserve Management and Rewards

How MoonPay manages reserves and how to claim rewards.

MoonPay Stablecoin FAQ

Common questions about issuance, reserves, and rewards.

Autoramp

The primitive that powers mint, redeem, and swap.

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In the press

MoonPay Enters Stablecoin Rush, Launches Issuance Business

Bloomberg, Nov 2025

Exodus Joins Stablecoin Race With MoonPay-Backed Digital Dollar

CoinDesk, Dec 2025

Citrea Unveils U.S. Treasury-Backed Stablecoin for Its Bitcoin Ecosystem

CoinDesk, Jan 2026