> For the complete documentation index, see [llms.txt](https://docs.ocean.fi/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.ocean.fi/getting-started/02-yield-bearing-stablecoin.md).

# Yield-Bearing Stablecoin

A **yield-bearing stablecoin** is a stable-value crypto asset (typically USD-pegged) that automatically accrues yield from on-chain activity.

## Why OCUSD?

Most stablecoins are passive. They simply store value but do not grow it.

**OCUSD** is different. It:

* Aggregates yield across multiple stablecoins
* Automatically reallocates capital to optimize returns
* Diversifies credit exposure and mitigates concentration risk across yield sources
* Bridges multi-chain investment opportunities and unlocks incentive access for users

> Think of OCUSD as a "smart stablecoin" that works for you.