USDB: The Stablecoin That Pays You Bitcoin
A dollar-pegged stablecoin on Spark, Lightspark's Bitcoin Layer 2, that earns 3.5-6% APY paid daily in BTC. Issued by Brale, backed 1:1 by U.S. Treasury bills.
The Problem With Stablecoins Today
Stablecoins solved volatility but created new problems. Hold USDC or USDT and your dollars sit idle. You pay gas fees to move them. Settlement takes seconds to minutes depending on network congestion. And you earn nothing while issuers collect billions in yield from your deposits.
USDB flips this model.
What is USDB?
USDB is a dollar-pegged stablecoin native to Spark, Bitcoin's Layer 2 for instant, zero-fee transactions. Every USDB is fully backed 1:1 by U.S. Treasury bills and cash equivalents, the same reserve model as USDC and USDT.
The difference: USDB holders earn 3.5-6% APY, paid daily in Bitcoin.
No staking. No lock-ups. No gas fees. Just hold USDB and collect sats every day at midnight UTC.
Why USDB?
| Feature | USDB | USDC / USDT |
|---|---|---|
| Chain | Spark (Bitcoin L2) | Ethereum, Solana, Tron, etc. |
| Settlement | Sub-second | Network dependent |
| Transfer fees | Free | Gas fees |
| Yield | 3.5-6% APY in BTC | 0% |
| Who gets the yield | You | Issuers keep it |
How Rewards Work
Hold at least 10 USDB and you automatically earn Bitcoin rewards. Your APY increases with trading volume:
| Daily Volume | APY |
|---|---|
| $0 | 3.5% |
| $1,000+ | 4.0% |
| $2,500+ | 4.5% |
| $5,000+ | 5.0% |
| $10,000+ | 5.5% |
| $25,000+ | 6.0% |
Minimum balance: 10 USDB. Maximum eligible balance: 500,000 USDB per account. Payouts convert to BTC at the prevailing rate and distribute to eligible Spark wallets daily at 00:00 UTC. Rewards are funded by Flashnet; reserves backing USDB are held separately by Brale.
What This Looks Like
At current rates (BTC ~$100k):
Built on Spark
Spark is Bitcoin's Layer 2: infrastructure designed to make Bitcoin fast enough for real-world payments. Lightspark already powers Bitcoin transactions for Coinbase, Revolut, SoFi, and Xapo Bank.
Spark extends that foundation with instant settlement, zero fees, and native asset support, all while maintaining Bitcoin's self-custody model.
What this means for USDB
- Sub-second finality: transfers settle instantly
- Zero network fees: Spark-to-Spark transfers cost nothing
- Self-custody: your Spark wallet remains self-custody; reserves backing USDB are managed separately by regulated custodians on behalf of Brale
- Lightning compatible: move between Spark and Lightning seamlessly
USDB isn't a wrapped token or a bridge. It's native to Spark, built from the ground up for Bitcoin's Layer 2 economy, on infrastructure already trusted at scale.
Backed by Brale
USDB is issued by Brale, a FinCEN-registered Money Services Business with multi-state MTL licenses, SOC 2 Type II certification, and smart contract audits by Certik. Reserves are audited monthly by Abdo with daily public attestations.
All reserves are held in segregated, bankruptcy-remote accounts at regulated U.S. financial institutions. Every USDB is redeemable for $1 worth of short-duration U.S. Treasury bills or cash equivalents.
Where to Trade
USDB is live on multiple venues across the Spark ecosystem:
Minimum trade: $1. Settlement: instant. Network fees: zero.
How to Get Started
- Get a Spark wallet: connect or create a wallet on any supported venue
- Acquire USDB: swap BTC for USDB, or bridge USDC from Solana or Base
- Hold: rewards accrue automatically on balances of 10+ USDB
- Collect: BTC deposited to your wallet daily at 00:00 UTC
No staking interface. No claim buttons. No lock-ups. Your USDB works for you the moment it hits your wallet.
No Lock-ups. No Surprises.
- Exit anytime: swap to BTC, bridge to USDC, or redeem through Brale
- Liquidity and redemptions: same-day processing for swaps and retail redemptions; institutional redemptions may take up to T+3. Reserves are held in highly liquid short-duration T-bills and cash equivalents.
- Rewards separate from backing: rewards are an incentive program funded by Flashnet; if the program ends, USDB remains fully backed and redeemable
The Bottom Line
Stablecoin issuers have kept the yield for themselves long enough. USDB changes the equation: hold dollars, earn Bitcoin, pay zero fees, settle instantly.
Built on Spark. Backed by Brale. Rewards paid daily.