Regulated money infrastructure, built deliberately.
Stellus brings together bank-grade deposits and compliant stablecoin settlement into one network — so dollars move at internet speed without leaving the regulated lane.
Compliance and speed shouldn't be a trade.
Most companies moving money online are forced to choose: the speed and openness of crypto, or the trust and supervision of a bank. Stellus exists to erase that tradeoff.
We built our own regulated banking layer under a Wyoming SPDI charter, and paired it with ozUSD and OZD — an open stablecoin and a tokenized deposit — connected by OzID, our identity and conversion gateway. The result is a single network that carries a dollar through its entire life: in, held, moved, and out.
We built it the slow way — charter first, compliance first — because the businesses we serve can't afford anything less.
- A general-purpose crypto exchange.
- A consumer wallet.
- A DeFi protocol or a chain.
- A bank for retail customers.
- A stablecoin selling yield to holders.
Five operating principles.
Stated in plain language — partly because we re-read them when product choices get hard, and partly because we expect you to hold us to them.
- 01
Compliance is the product, not the paperwork
We build to the framework before we build to the demo. If a feature can't be defended in a regulator's office, we don't ship it.
- 02
Full reserves, no exceptions
We don't lend against backing and we don't pay yield to chase volume. Reserves are reserves; if they aren't there in cash and short-dated Treasuries, they aren't real.
- 03
Transparency by default
If we hold your dollars, you should be able to see how. Attestations are scheduled, ledgers are auditable, and disclosures are written to be read.
- 04
Two tokens, one ledger
Stablecoin and deposit token are different legal objects with different uses. We let them be two — and we run them on one ledger of record so nothing falls between.
- 05
Boring on purpose
The institutional buyer wants the rails, not the rhetoric. Our marketing is restrained because our settlement is — and the two should match.
A Wyoming SPDI at the center.
Wyoming's special-purpose depository institution charter was purpose-built for digital-asset banks — full 1:1 reserve requirements, no fractional lending against customer deposits, ongoing state-banking supervision. It's the right shape for the work we do.
Our SPDI sits at the center of the platform. It holds the reserves backing ozUSD, it's the home of the deposits that OZD tokenizes, and it gives us a supervised, examined posture from day one — instead of bolting compliance on top of a non-bank.
That's the difference between a stablecoin platform that asks regulators to trust it and a chartered operator that already lives under their supervision.
- Full reserves
SPDIs cannot lend customer deposits — funds stay 1:1, in HQLA.
- Digital-asset native
Charter shape was written for institutions whose primary activity is digital-asset custody, issuance, and settlement.
- Supervised today
Under ongoing Wyoming state-banking supervision and examination — not a sandbox, not a wait list.
- PPSI-aligned
Posture and balance-sheet shape map cleanly to the federal payment-stablecoin framework's expectations.
What we work on
Stellus runs four interlocking workstreams in parallel: the regulated rails (charter, custody, reserves), the ledger (issuance, transfer, conversion, reconciliation), the policy engine (identity, screening, rules), and the network (last-mile partners, multi-chain).
We hire operators from banking, payments, and infrastructure who've watched the gap between those four workstreams cause every interesting failure in money movement — and who'd rather close it once than route around it forever.
- Regulated rails
Charter, custody, reserves, attestations. The institutional posture, kept current.
- Ledger
Issuance and burn for ozUSD, mint and burn for OZD, conversion between the two, and continuous reconciliation across legs.
- Policy engine
OzID, KYC/KYB, sanctions, Travel Rule, monitoring, programmable rules. Inline on every transfer.
- Network
Last-mile partners across 190+ countries, custody integrations, and the multi-chain settlement layer underneath.