A new DeFi application has entered the market, debuting its core lending and borrowing protocol. USD1, a stablecoin mechanism, operates as the foundational layer of this ecosystem. Governance responsibilities and decision-making power flow to holders of the native governance token, ensuring community-driven development. The protocol's incentive structure is further bolstered by an active Points Program, designed to reward early participants and liquidity providers. This multi-layered approach combines essential DeFi primitives—credit markets, token-based governance, and reward mechanisms—into a cohesive platform. The launch marks an important expansion in the DeFi landscape, particularly for users seeking integrated lending solutions with transparent governance structures.