Aug 13, 2025
After originating $80M+ in tokenized business loans, we learned something important: most users want yield without the homework.
They don’t want to research different pools, compare allocation strategies, or monitor individual performance. They want to deposit stables, earn business-backed returns, and get on with their lives.
So we built csUSD.
Why we’re killing the complexity
Here’s what happens when you use lending pools: You analyze yields across different pools. You split your capital. You monitor performance. You rebalance. Repeat.
It’s exhausting for active yield farmers. And honestly? Most users just want sustainable yield without too much homework.
csUSD changes this. One token automatically captures yield from our entire portfolio of institutional borrowers. Your tokens appreciate in value as yields accrue. No manual rebalance. No decision fatigue. Just pure capital efficiency.
How does csUSD generate yield?
Here’s the simple version: we lend to businesses, they pay us back with interest, and that interest makes your tokens worth more.
The longer version: our fund managers spread capital across vetted businesses who make monthly payments on their loans. When those payments come in, we either redeploy the capital or keep some in reserve for withdrawals. Either way, the yield keeps flowing.
It’s the same crypto-uncorrelated returns we’ve been delivering, but packaged way better.
Mint: Get csUSD by depositing USDC, USDT, USDe, and 7 more supported assets
Earn: Token value increases as yield accrues daily
Redeem: Withdraw your balance into any supported asset
Or swap/bridge via our CowSwap and Stargate integrations.
Beating the market’s average yields
At the core it’s very simple: we’re very picky who we lend to.
We only work with businesses that have been around for 3+ years, raised serious money before ($20M+), and operate where the legal system actually works. Our proprietary AI credit engine digs deep into their financials, and every loan comes with real collateral and multiple protection layers.
Other platforms may chase higher yields with riskier strategies, however we focus on businesses that generate actual cash flow and have proven they can pay their bills. These aren’t crypto companies or DeFi protocols. They’re real businesses doing real things in the real economy.
The result? Steady returns that don’t depend on token prices, market sentiment, or spur of the moment narratives.
The mechanics (for those who care)
csUSD operates through dual ERC-7575 vaults that aggregate USDC and USDT deposits. Fund managers deploy capital across our vetted institutional borrowers, the same ones generating 15–20% APR for lenders in our current pools. The difference? You don’t manage anything. Exchange rate calculation happens in real-time through our Asset Oracle.
We’ll be publishing our csUSD whitepaper in the coming weeks as well, so stay tuned for a deep dive!
What happens to Edge pools?
Edge pools will continue operating alongside csUSD to accommodate specialized lending opportunities that may not fit the unified token model. While csUSD acts as a streamlined “index fund” consolidating returns from our core borrower portfolio, certain unique institutional arrangements may require dedicated pool structures.
This dual approach ensures we can serve both users seeking simplicity and those interested in specific lending opportunities. We’ll be sharing additional details about the migration process and timeline in the upcoming weeks.
So, what’s next?
The launch is just around the corner! Follow us to ready and stay updated:
dApp: edge.csigma.finance
Learn More: csigma.finance
Thank you for being part of the journey. The next chapter starts now!