The Infrastructure Layer for Global Stablecoin Issuance
The regulated stablecoin factory on Cardano and Midnight.
W3i builds, licenses, and operates the compliance-grade infrastructure that regulated issuers use to ship fiat-backed and privacy-backed stablecoins without rebuilding the stack.
01Infrastructure
What We Build
The full-stack regulated stablecoin infrastructure that powers USDM today and ships to licensed issuers worldwide.
Mint & burn engine
Oracle-controlled issuance with deterministic settlement on-chain.
Reserve & treasury
Segregated, on-shore reserves with daily attestation primitives.
Banking & custody
Live integrations with banking, custody, and on-/off-ramp partners.
Compliance layer
Real-time policy enforcement, reporting, and regulator-facing attestations.
Multi-chain issuance
Native on Cardano. Privacy issuance on Midnight. One stack across both.
Issuer licensing
License the operating stack — not just the code — to regulated issuers.
02Track Record
Proven in Production
USDM is the live reference deployment of the W3i factory — fiat-backed, MiCA-aligned, native on Cardano.
Flagship
USDM
Cardano's regulated, fiat-backed stablecoin. Issued by Moneta Digital. Operated on infrastructure built and licensed by W3i.
- MiCA-aligned issuance pathway
- Native on Cardano, fully on-chain
- Daily on-chain reserve attestations
- Licensed issuer — Moneta Digital
30+
Live integrations
On-chain
Reserve attestations
MiCA
Compliance pathway
03Featured
Unshielded Podcast
Jillian Plomin
CEO, W3i Software & Moneta Digital
Dive into what it actually takes to build a regulated, MiCA-compliant, fiat-backed stablecoin like USDM, and why proof-of-reserves style transparency is becoming table stakes.
What You'll Learn
- How to design stablecoins that exceed regulatory requirements
- Why on-chain transparency outperforms traditional audits
- The tension between TradFi and blockchain freedom
- How privacy-enabled stablecoins unlock B2B adoption
- Why you need a menu of stablecoin options
04Competitive Moat
Why W3i Is Hard to Replicate
Regulatory
- Licensing pathways
- On-shore reserves
- Compliance-first design
Technical
- Deterministic mint/burn
- Real-time auditability
- Ledger-native architecture
Operational
- Banking partners live
- Treasury infrastructure built
- Issuance operating at scale
05Structure
How W3i Fits Into the Ecosystem
Company → Product → Proof. Three entities, one architecture.
Technology Layer
W3i
Builds, licenses, operates the stack
COMPANY06For Investors
Investors & Partners
W3i provides equity exposure to a growing portfolio of regulated stablecoins and financial infrastructure products, without direct token exposure.