Trusted. Transparent. Always 1 USD.

FirmaFirma USD reserves bridged to USDUSD

FIRMA USD is always redeemable 1:1 for United States Dollar

Always 100% backed by real cash.Never loaned out or put at risk.

Every dollar backing Firma USD is held in cash only at FDIC-insured, U.S. chartered banks — with up to $285M in aggregate deposit insurance. It is not loaned out, rehypothecated or invested.

FDIC-Insured Charter Banks

Reserves are deposited exclusively with FDIC-insured, U.S. chartered banks — not held in risky or uninsured instruments.

$285M

Aggregate Insurance Coverage

Pooled FDIC protection across our network of partner banks, backing the reserves behind every token.

Protected by Sweep Accounts

Balances are automatically swept across multiple partner banks, keeping each account under the $250K FDIC limit.

The safest smart contract...Don't have one.

Firma USD runs on eCash (XEC), which uses the same proven UTXO model as Bitcoin — not programmable smart contracts. Think of your tokens like digital cash you hold in your hand: there is simply no contract code sitting between you and your money that can be hacked, drained, or exploited.

Digital Cash, Not Code

eCash tracks tokens like physical banknotes and coins (called UTXOs). Each coin is simply owned and spent — there is no program running your balance that an attacker could rewrite.

No Programmable Contracts

Firma's tokens are built on the same simple scripting language in Bitcoin. No smart contract, no smart contract attack surface.

What You Sign Is What Happens

Every transaction is the action itself (WYSIWYG). No hidden contract approvals, no blind signing wallet-drains, and no admin backdoors or freeze switches.

Smart-Contract Stablecoins

  • Funds controlled by programmable contract code
  • Vulnerable to reentrancy, logic bugs & exploits
  • Blind signing can silently drain wallets
  • Admin keys can freeze or seize balances

Firma on eCash (UTXO)

  • Tokens held like digital cash you own outright
  • No contract code to hack or exploit
  • What you sign is exactly what happens
  • No backdoors, freezes, or admin levers