# Overview

**Delta Money** is a **digital dollar issuer**, connecting **TradFi institutions** to **on-chain finance**. Powered by **DUSD** — a **fully backed tokenized dollar** collateralized by a **diversified basket** of **fiat currencies**, **crypto assets**, and **derivatives**.

**DUSD**, Delta’s **digital dollar**, offers a **scalable solution** for users seeking **USD-denominated stability**. It is fully **collateralized** by a diversified basket of **cash-equivalents**, **yield-bearing stablecoins**, and a **strategically balanced portfolio** of **long-short positions** on leading **crypto assets**.

The **peg stability** of DUSD is supported by maintaining a **one-to-one or higher collateral ratio** against its **reserve assets**. This is achieved through holding **fiat currencies**, **short-term dated sovereign debt**, **stablecoins**, and **delta-hedging** spot **volatile assets** to mitigate **price fluctuations** in the underlying collateral.

The protocol’s **reserve delta** is a **governance-controlled parameter** that optimizes **stability**, **risk management**, and **revenue generation**. This **dynamic approach** distinguishes **Delta Money** from **fixed market-neutral synthetic stablecoin issuers**, enabling the **Delta ecosystem** to **capture upside exposure** — guided by a specific set of **governance parameters** that size **risk-adjusted allocations** across **reserve assets**, while **limiting downside risks**.

### Get Started With DUSD 

<table data-view="cards"><thead><tr><th></th><th></th><th data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Instant Dollar Liquidity</strong></td><td><strong>Delta Money</strong> is the <strong>fastest</strong> and <strong>cheapest way</strong> to access <strong>DUSD</strong>.</td><td><a href="../products/quickstart">quickstart</a></td><td><a href="https://3827043574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4xsaCFTSOqh8gv5rcWSk%2Fuploads%2FhgfZBp7V24TOOTTLjKBh%2FFrame%2033625%20(1).svg?alt=media&#x26;token=d40ca75f-a48d-41f8-8796-eb8906a756ba">Frame 33625 (1).svg</a></td><td></td><td><a href="../products/quickstart">quickstart</a></td></tr><tr><td><strong>Optimized Saving Solution</strong></td><td><strong>Stake and earn</strong> with <strong>DUSD</strong> — stay <strong>liquid</strong> while securing <strong>+10% APR</strong>.</td><td><a href="../products/delta-save">delta-save</a></td><td><a href="https://3827043574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4xsaCFTSOqh8gv5rcWSk%2Fuploads%2F6rcdwswR5rIjLvljAjeT%2FFrame%2033626%20(1).svg?alt=media&#x26;token=dbec93c3-324e-44ec-913d-2cea0bad4cbe">Frame 33626 (1).svg</a></td><td></td><td><a href="../products/delta-save">delta-save</a></td></tr><tr><td><strong>High-Performance</strong><br><strong>Institutional Asset</strong></td><td>Access <strong>swDUSD</strong> — <strong>secure</strong>, <strong>rewarding</strong>, and <strong>compliant</strong>.</td><td><a href="../products/delta-institutional">delta-institutional</a></td><td><a href="https://3827043574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4xsaCFTSOqh8gv5rcWSk%2Fuploads%2FRNOSBNVDIP03bX2IUTRn%2FFrame%2033627%20(2).svg?alt=media&#x26;token=2fca9b85-4f80-4190-8506-32d6549a8fca">Frame 33627 (2).svg</a></td><td></td><td><a href="../products/delta-institutional">delta-institutional</a></td></tr><tr><td><strong>Global Payments</strong></td><td>Use <strong>DUSD globally with Visa</strong> — pay for <strong>hotels</strong>, <strong>flights</strong>, and <strong>meals</strong> while <strong>earning rewards</strong>.</td><td><a href="../products/delta-pay">delta-pay</a></td><td><a href="https://3827043574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4xsaCFTSOqh8gv5rcWSk%2Fuploads%2FI07y0MZbJlJZ20OzhwRK%2FFrame%2033628%20(2).svg?alt=media&#x26;token=16897a45-474e-4d23-b6e2-a9baf61f6dbf">Frame 33628 (2).svg</a></td><td></td><td><a href="../products/delta-pay">delta-pay</a></td></tr><tr><td><strong>CeFi Integrations</strong></td><td>Utilize <strong>DUSD</strong> on <strong>leading exchanges</strong>, enhance your <strong>trading strategies</strong>, and participate in <strong>reward pools</strong>.</td><td><a href="../products/delta-cefi">delta-cefi</a></td><td><a href="https://3827043574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4xsaCFTSOqh8gv5rcWSk%2Fuploads%2FP0tGtpVHhmTAARK1vDFg%2FFrame%202095585113%20(1).svg?alt=media&#x26;token=0747a0cc-e75b-4803-b23a-7806f38c6e97">Frame 2095585113 (1).svg</a></td><td></td><td><a href="../products/delta-cefi">delta-cefi</a></td></tr><tr><td><strong>DeFi Integrations</strong></td><td>Unlock <strong>sDUSD's power</strong> to <strong>borrow</strong>, <strong>provide liquidity</strong>, and <strong>customize yields</strong>.</td><td><a href="../products/publish-your-docs">publish-your-docs</a></td><td><a href="https://3827043574-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F4xsaCFTSOqh8gv5rcWSk%2Fuploads%2FJf17NyjArOQbktgOjnwX%2FFrame%202095585112%20(1).svg?alt=media&#x26;token=95570b92-b738-4c93-8290-07d8a70b66f0">Frame 2095585112 (1).svg</a></td><td></td><td><a href="../products/publish-your-docs">publish-your-docs</a></td></tr></tbody></table>