Everything You Need to Know About OpenStocks and USDOS

01: The Basics

What is OpenStocks?

OpenStocks is a DeFi protocol built on BNB Smart Chain that gives on-chain users direct access to institutional-grade private equity exposure — specifically in pre-IPO companies like SpaceX, OpenAI, and Anthropic.

Traditionally, investment in these companies has been gated behind accredited investor requirements, minimum cheque sizes in the hundreds of thousands, and relationships with venture brokers. OpenStocks removes all of that. Through a tokenized stablecoin called USDOS, anyone with a Web3 wallet and USDT can now participate in yield generated by these equity positions — starting with any amount, on-chain, immediately.

The protocol describes this as giving everyday investors access to "American Dynamism" — the most transformative, high-growth private companies in the world, before they ever list publicly.

What is USDOS?

USDOS is OpenStocks' native yield-bearing stablecoin. It is minted 1:1 against USDT — meaning one USDT always produces one USDOS — and is backed by real pre-IPO equity positions in SpaceX, OpenAI, and Anthropic held by the protocol.

Unlike traditional stablecoins such as USDC or USDT, which simply hold their dollar peg passively, USDOS is productive. When staked, it generates real yield from the institutional lending activities that the protocol conducts against its equity collateral. You get dollar stability with equity-grade upside on the yield.

In short: USDOS is a dollar-pegged token that earns yield generated from private equity — two things that have never coexisted in a single on-chain instrument before.

Which blockchain does OpenStocks run on?

OpenStocks is deployed on BNB Smart Chain (BSC) Mainnet. BSC was selected for its combination of low transaction fees, fast block finality (around 3 seconds), and broad wallet compatibility — making it practical for users transacting in amounts that would be economically unviable on Ethereum mainnet.

To interact with the protocol, your Web3 wallet needs to be connected to BSC Mainnet, and your USDT must be on BSC (BEP-20 format, not ERC-20). The app provides a one-click "Add BSC Mainnet" button to configure your wallet automatically.

02: How It Works

How does OpenStocks work, step by step?

The process is three steps and takes under two minutes from start to earning:

1. Connect your wallet. Use MetaMask or any BNB Smart Chain-compatible Web3 wallet. OpenStocks is fully non-custodial — you retain ownership of your assets throughout. Navigate to app.openstocks.xyz and connect.

2. Mint USDOS. On the Mint tab, enter the amount of USDT you want to deposit. The protocol mints USDOS at a 1:1 exchange rate, backed by its institutional pre-IPO equity positions.

3. Stake and earn. Head to the Earn tab, stake your USDOS to receive USDOS, and begin earning up to 15% APY from the protocol's institutional lending activities. Unstake at any time — no lockups.

Where does the yield come from?

Yield is generated from institutional lending activities conducted against the protocol's pre-IPO equity collateral. OpenStocks holds equity positions in SpaceX, OpenAI, and Anthropic. These positions are used as collateral in institutional lending arrangements — structurally analogous to prime brokerage lending in traditional finance, where securities are lent out in exchange for fees.

The fees generated from those lending activities are passed back to USDOS stakers in the form of on-chain yield. This is not speculative — it is real income derived from the economic value of the underlying equity collateral.

Note: The APY is based on projected returns from these equity holdings. Lending income can vary with market conditions. Always refer to the live Earn tab for the current on-chain rate.

Which companies back the USDOS yield?

The protocol's equity collateral currently includes positions in three of the most valuable private companies in the world:

• SpaceX — Aerospace, reusable rockets, and Starlink satellite internet. Valued at over $350 billion in recent secondary market trades.

• OpenAI — The research company behind ChatGPT and GPT-4. One of the fastest-growing AI companies by revenue in history.

• Anthropic — AI safety and applied AI research, creator of the Claude family of models. Backed by Google and Amazon.

OpenStocks refers to these as "American Dynamism" — foundational technology companies defining the next decade of innovation, available to on-chain investors before their public listings.

What is the current APY?

The current staking APY is up to 15%, set and updated on-chain by the protocol. This significantly outpaces other dollar-denominated yield options available today:

Fintech and Treasury figures as of December 2025. All data for informational purposes only.

03: Minting and Withdrawals

How do I mint USDOS?

Go to app.openstocks.xyz, connect your Web3 wallet on BNB Smart Chain, and navigate to the Mint tab. Enter the amount of USDT you want to deposit — you will see the exact USDOS you receive displayed at a 1:1 exchange rate before confirming.

Once minted, your USDOS will appear in your wallet as a BEP-20 token. From there, head to the Earn tab, stake your USDOS, and you will start accruing yield immediately upon confirmation of the staking transaction.

Is there a minimum or maximum mint amount?

There is no stated maximum mint cap. The practical minimum is determined by BNB Smart Chain gas economics — very small amounts may not be economical once gas fees are factored in, though BSC gas is generally cheap (under $0.01 per transaction in most conditions). Check the app at time of minting for any protocol-level minimums applied on-chain.

How long do withdrawals take?

Withdrawals are entirely on-chain with no lock-up period. You can unstake your USDOS and redeem USDOS at any time, and BSC transactions typically confirm within a few seconds. There are no withdrawal windows, queuing mechanisms, or cooldown timers enforced by the protocol.

This is a key design decision — the protocol prioritizes liquidity. Your capital is not locked, and you retain full flexibility to exit at any time.

Can I hold USDOS without staking it?

Yes. USDOS is a standard BEP-20 token on BNB Smart Chain. You can hold it in your wallet, transfer it, or use it across any BSC-compatible DeFi protocol without staking. However, yield only accrues when USDOS is staked and held as sUSDOS. Unstaked USDOS maintains its dollar peg but does not generate rewards.

Think of it this way: USDOS is the principal, sUSDOS is the yield-earning position.

04: Risk and Security

How are positions protected?

The protocol uses overcollateralization as its primary protection mechanism. The pre-IPO equity held by the protocol exceeds the total value of USDOS in circulation, creating a structural buffer against equity price fluctuations.

Additionally, institutional risk management protocols govern the lending activities that generate yield — similar to how regulated lending desks operate in traditional finance, with exposure limits, counterparty controls, and collateral monitoring.

Is OpenStocks custodial?

No. OpenStocks operates on a fully non-custodial architecture. Your USDT and USDOS remain under the control of your own wallet keys at all times. The protocol interacts with your assets via smart contracts — you approve specific transactions, and the contract executes on-chain logic. At no point are you required to hand custody to a centralized entity, exchange, or intermediary.

What are the risks involved?

As with any DeFi protocol, users should understand the key risk vectors before participating:

• Smart contract risk. Bugs or vulnerabilities in on-chain code could result in loss of funds. The protocol implements risk controls, but no smart contract is entirely risk-free without a comprehensive audit.

• Equity collateral risk. Pre-IPO equity is illiquid and can fluctuate significantly in value. A sharp decline in the underlying equity positions could impact the protocol's collateral ratio.

• Yield variability. The 15% APY figure is projected, not guaranteed. Lending income depends on market demand, counterparty availability, and equity performance — all of which can change.

• Regulatory risk. The tokenized real-world asset space is evolving rapidly. Changes in regulation affecting DeFi protocols or private equity tokenization could impact operations.

Nothing on OpenStocks constitutes financial advice. Do your own research before depositing.

Has the protocol been audited?

Audit details are not currently published on the public website. For information on smart contract audits, security reviews, and third-party attestations of the equity collateral, reach out to the OpenStocks team directly through the contact channel on the app. As with any DeFi protocol, independent audit documentation is an important consideration before committing significant capital.

05: Integrations and Access

What wallet do I need to use OpenStocks?

Any Web3 wallet that supports BNB Smart Chain works with OpenStocks. MetaMask is the most common and most tested option. You will need to add BNB Smart Chain as a network (the app has a one-click "Add BSC Mainnet" button), hold BEP-20 USDT (not ERC-20), and keep a small amount of BNB for gas. Hardware wallets connected via MetaMask are also supported and recommended for larger positions.

Can I integrate USDOS into my own product?

Yes. OpenStocks is open to integration partnerships. If you are building a DeFi protocol, fintech product, or any application that wants to offer users access to USDOS as a yield-bearing dollar instrument, the team is available to discuss API access, liquidity arrangements, and co-integration. Contact OpenStocks through the official website or app for documentation and next steps.

Can I use the Borrow feature?

Borrow is currently listed as an alpha-stage feature in the app navigation. This indicates it is in limited or early access and not yet broadly available. Follow OpenStocks' official channels and the app for updates on availability, collateral requirements, and terms.