trUSD & strUSD FAQ

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Getting trUSD

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How do I get trUSD?

The easiest way is to swap through our app:

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What assets can I swap for trUSD?

Currently supported input tokens:

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Is there a minimum amount?

No minimum. Swap any amount you want.

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How long does swapping take?

Swapping is instant once your transaction is confirmed on Ethereum (typically 12-15 seconds).

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Can I mint trUSD directly instead of swapping?

Yes. Verified participants can mint and redeem trUSD directly at NAV. This is ideal for larger amounts and institutional use. See Minting & Redemption for verification details.

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Staking for strUSD

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How do I stake trUSD for strUSD?

Staking is instant. Only unstaking has a waiting period.

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How does strUSD earn rewards?

strUSD uses an exchange rate mechanism:

1. When you stake, you receive strUSD at the current exchange rate
2. As rewards are generated, the exchange rate increases
3. When you unstake, you receive trUSD at the then-current exchange rate, collecting any rewards accrued

Example: How the exchange rate works

Day 1:

• Exchange rate: 1 strUSD = 1.00 trUSD
• You stake 10,000 trUSD
• You receive 10,000 strUSD

After 6 months:

• Exchange rate has increased to 1 strUSD = 1.05 trUSD
• Your 10,000 strUSD is now worth 10,500 trUSD
• That’s approximately 5% over the period (hypothetical)

When you unstake:

• You receive 10,500 trUSD for your 10,000 strUSD
• The exchange rate reflects 500 trUSD in accrued rewards

Note: Example for illustration. Actual rewards vary.

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Do I need to claim rewards?

No. Any rewards accrue automatically through the exchange rate. No claiming transactions and no gas costs for rewards.

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What rewards can I expect?

Rewards are variable based on market conditions. Check the app for the current reward rate; the displayed APY is the trailing 7 days of realized performance, annualized with daily compounding.

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What fees are taken from rewards?

A 10% performance fee is taken from generated rewards only: Example: If you earn 100 trUSD in rewards, 10 trUSD goes to the protocol and 90 trUSD accrues to you.

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Unstaking

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How do I unstake?

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Why is there a 7-day cooldown?

The cooldown lets the protocol meet redemptions without forced liquidations that could hurt rewards, keeps operations stable while unstaking is processed, and removes any advantage to being first out the door.

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Can I cancel an unstake request?

No. Once initiated, unstake requests cannot be cancelled. Make sure you’re ready before starting.

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What happens during the cooldown?

Your strUSD is locked until the cooldown completes. After 7 days, return to the app to claim your trUSD.

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What if I need liquidity faster?

The 7-day cooldown always applies when converting strUSD back to trUSD through the protocol; there is no faster protocol path. Both tokens are standard ERC-20s, though: strUSD can be sold on a DEX if a pool with enough liquidity exists, and trUSD you hold directly (unstaked) can be transferred or sold without any cooldown.

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Peg and pricing

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How is trUSD priced?

trUSD is designed to track $1.00 USD. The price is supported through arbitrage incentives that make it profitable to correct deviations.

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Can trUSD trade above or below $1?

Yes. But deviations create profit opportunities: The larger the deviation, the more profit for arbitrageurs to correct it. See Peg Mechanism.

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What’s the difference between market price and NAV?

During normal conditions, these stay very close together.

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Backing and transparency

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What backs trUSD?

trUSD is fully backed by the protocol’s reserve assets deployed in hedged trading positions. Every trUSD has corresponding backing at NAV. See Backing & Reserves for full details.

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Can I verify the backing?

Yes, in several ways:

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DeFi usage

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Can I use strUSD in DeFi?

Yes. strUSD is a standard ERC-20 token, fully composable with DeFi: See DeFi Integrations for the current set of venues.

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Can I use strUSD as collateral?

Yes, in supported lending protocols.

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Can I transfer trUSD/strUSD to other wallets?

Yes. Both are standard ERC-20 tokens that can be transferred to any Ethereum address.

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Can I use trUSD/strUSD on other chains?

Both tokens support native cross-chain transfers via Chainlink CCIP using the Cross-Chain Token (CCT) standard, with Ethereum as the hub chain. The bridge in the app shows the networks currently supported, and the list grows as new chains are added.

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Taxes and reporting

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Does Tori provide tax reporting?

No. Tori does not provide tax advice or reporting. Consult a qualified tax professional in your jurisdiction.

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How do I track my transactions?

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Troubleshooting

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My transaction is pending for a long time

Ethereum transactions can be slow during network congestion. Options:

1. Wait - Transaction may still confirm
2. Speed up - If your wallet supports it, increase gas
3. Cancel and retry - With higher gas price

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I don’t see my trUSD/strUSD in my wallet

Try these steps:

1. Add token manually - Import using contract address
2. Check network - Make sure you’re on Ethereum mainnet
3. Verify transaction - Check Etherscan to confirm it completed

Contract addresses: Contracts

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The app isn’t loading

Try:

1. Refresh the page
2. Clear browser cache
3. Try a different browser
4. Disconnect and reconnect wallet

Still having issues? Join our Discord for support.

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More questions?