What is Mezo?
Mezo is the onchain Bitcoin banking platform owned by its users. Users can access self-service Bitcoin finance without interacting with loan officers, undergoing credit checks, or observing operational hours. It’s just you, your Bitcoin, and permissionless access to financial services 24/7. Mezo eliminates traditional banking middlemen, giving you the power to manage your finances intelligently on your own terms. The platform is built on tBTC, the most battle-tested decentralized Bitcoin bridge with 24k+ BTC bridged since 2020.Key Features and Advantages
Flagship Feature: Fixed Rate Bitcoin Loans
MUSD: Bitcoin-Backed Money with Complete Autonomy Deposit Bitcoin as collateral, mint MUSD (a dollar-pegged stablecoin), and use it however you need. Your Bitcoin stays yours while MUSD provides you with instant liquidity. Fixed rates start as low as 1% and stay fixed for the entire life of the loan. This is self-service banking with complete autonomy. Unlike any traditional banking experience, there are no minimum payments, set repayment schedules, or penalties for early repayment. Close your position tomorrow or keep it open for years.Core Features
- Bitcoin Loans (MUSD): Self-service loans at fixed 1% rates. Borrow MUSD against your Bitcoin and manage everything yourself. Access up to 90% of your Bitcoin’s value.
- Bitcoin Savings Accounts (Yield Vaults): Deposit BTC or MUSD into automated vaults that generate yield through lending, liquidity provision, and DeFi strategies. Like a high-yield savings account, but transparent, onchain. No minimum balance, withdraw anytime.
- Native Swaps: Trade directly on Mezo without leaving the platform. Swap between BTC, MUSD, and other assets with deep liquidity and competitive rates.
- Mezo Market: Spend your MUSD on real goods and services. Buy gift cards, pay for subscriptions, and access everyday purchases, all without selling your Bitcoin.
- BTC as Gas: Every transaction on Mezo is paid in Bitcoin. This keeps the experience pure Bitcoin while creating a revenue stream that flows back to participants in the Mezo ecosystem.
Network Specifications
- Technology Stack: EVM-compatible blockchain
- Gas Token: BTC (Bitcoin)
- Network Type: EVM-compatible Layer 2
- Base Bridge: tBTC (decentralized Bitcoin bridge)
- Reserve Verification: Verifiable 24/7 reserves
Developer Tools & Infrastructure
- Full EVM Compatibility: Support for standard Ethereum development tools
- Permissionless Building: Developers can build without permission
- Open Source: Contracts and documentation are open source
- Infrastructure:
- Cross-chain bridges
- DeFi integrations
- Payment systems
- Financial primitives