> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usdh.money/llms.txt
> Use this file to discover all available pages before exploring further.

# FAQ

> Quick answers, including the uncomfortable questions.

## The basics

> [accordion] What is USDh?
>
> A digital dollar, 1:1 with the US dollar, lent to the US government. See [USDh](https://docs.usdh.money/usdh.md).

> [accordion] What is sUSDh?
>
> Staked USDh. It lends to other governments, in dollars, and builds up rewards. See [sUSDh](https://docs.usdh.money/susdh.md).

> [accordion] Does holding USDh pay me anything?
>
> No interest. Once Hamilton Prizes start, some holders will receive prizes. See [USDh](https://docs.usdh.money/usdh.md#hamilton-prizes).

> [accordion] How long does it take to leave sUSDh?
>
> 30 days, then you claim. See [Stake and unstake](https://docs.usdh.money/staking.md).

> [accordion] Is there a minimum, an account or an identity check?
>
> No, not to hold, swap or stake.

> [accordion] Which blockchain?
>
> Ethereum.

## The hard questions

> [accordion] Are sUSDh rewards guaranteed?
>
> No. They change, can stop, and can be zero.

> [accordion] Who decides the reward rate?
>
> The staking protocol, overseen by Publius Foundation for now, within a cap in the contract. See [sUSDh](https://docs.usdh.money/susdh.md).

> [accordion] Can I lose money?
>
> Yes. USDh is not insured and its price can slip. sUSDh also carries the risk of the governments it lends to. See [Risks](https://docs.usdh.money/risks.md).

> [accordion] What if a government doesn't pay?
>
> sUSDh takes the loss on that loan. USDh does not. See [Risks](https://docs.usdh.money/risks.md).

> [accordion] What if the issuer goes bust?
>
> Holders would be unsecured creditors of the issuer. See [Reserves](https://docs.usdh.money/reserves.md).

> [accordion] Has anyone checked the reserves or the code?
>
> Not an outside firm, yet. Both are planned. See [Verify on-chain](https://docs.usdh.money/check.md).

> [accordion] Can someone freeze or take my USDh?
>
> An address can be frozen, for sanctions or emergencies. Nobody can take your balance.

> [accordion] Where can't I use it?
>
> USDh is not offered in the US or in sanctioned countries. Staking is also not offered in the UK, the EU, the EEA or Switzerland. See [who can use USDh](https://docs.usdh.money/legal.md#who-can-use-usdh).

## Staying safe

> [accordion] How do I know a site is really usdh.money?
>
> Check it against [Official links](https://docs.usdh.money/official-links.md). Nobody from usdh.money will message you first or ask for your keys.

> [accordion] Where are the live numbers?
>
> On the Transparency page in the [app](https://app.usdh.money/).

> [accordion] Where are the terms?
>
> On [All documents](https://docs.usdh.money/legal.md).

*Last updated: Nov 9, 2026*


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