BTC3U is the native stablecoin of the Bitcoin Swift network. Pegged to the US dollar and backed by BTC3 collateral, it is built for both speed and compliance. Users lock BTC3 into smart contracts with a 150% or higher collateral ratio. These contracts are monitored by AI-powered oracles that track the BTC3 price and trigger automatic liquidations if the collateral level drops too low.
Unlike most stablecoins, BTC3U runs entirely on Bitcoin Swift, enabling payments, lending, and DeFi without privacy compromises or off-chain coordination. Its stability fees and oracle settings are governed on-chain, ensuring community control.
With programmable safety and full transparency, BTC3U merges DeFi utility with compliance-grade design, poised to become a key pillar for payments and finance on the network.