Question 1

What is pmUSD?

Accepted Answer

pmUSD is a gold-backed stablecoin pegged at 1 pmUSD = $1.00, issued by the RAAC ecosystem. It is over-collateralized at 111% by ION.au, a gold-reserve-backed digital security from I-ON Digital Corp (OTCQB: IONI), a U.S. publicly-traded company with patents on digitizing unrefined commodities.

Question 2

How is pmUSD collateralized?

Accepted Answer

pmUSD uses a three-layer collateral model: (1) verified in-situ gold reserves with NI 43-101 reports and UCC-1 liens, (2) ION.au tokens backed 5:1 by gold and recorded on I-ON Digital's audited balance sheet, and (3) a 111% over-collateralization ratio where only 90 pmUSD is minted per $100 of ION.au collateral.

Question 3

How can I verify pmUSD's reserves?

Accepted Answer

Verification follows three steps: check the on-chain Collateral Contract on Etherscan to confirm ION.au holdings, review I-ON Digital Corp's SEC filings (10-K, 10-Q) on OTC Markets for audited balance sheet confirmation, and access the Claims Documentation Portal for NI 43-101 reports, geological assays, and legal filings.

Question 4

Where can I use pmUSD in DeFi?

Accepted Answer

pmUSD is integrated across major Ethereum DeFi protocols: Curve Finance pools (pmUSD/crvUSD, pmUSD/frxUSD, OUSD/pmUSD, pmUSD/USDT), Convex Finance and Stake DAO for boosted staking, Yearn Finance vaults, and Beefy auto-compounding vaults. Use the pmUSD dApp at pmusd.io/dapp to deposit, stake, and earn yield.

Question 5

What makes pmUSD different from other stablecoins?

Accepted Answer

pmUSD is backed by tangible gold reserves rather than bank deposits or algorithms. It features layered over-collateralization (111% at the pmUSD level, 500% at the ION.au level), is structured like an institutional-grade asset-backed security with perfected UCC liens, and offers full auditability through a publicly-traded issuer with SEC filings.

Question 6

What is ION.au?

Accepted Answer

ION.au is a gold-reserve-backed digital security issued by I-ON Digital Corp (OTCQB: IONI). Each ION.au token represents one ounce of gold, backed by five ounces of verified in-situ gold reserves (5:1 over-collateralization). ION.au is priced against the LBMA PM Gold Price and is recorded on I-ON's audited balance sheet under Mark-to-Market accounting.

Question 7

Is pmUSD audited?

Accepted Answer

Yes. The underlying ION.au collateral is held by I-ON Digital Corp, which has been audited in 2023 and 2024 by two independent auditing organizations. I-ON files with the SEC and OTC Markets. The pmUSD smart contracts were also audited by Pashov Audit Group, with all identified issues mitigated.

Question 8

What blockchain is pmUSD on?

Accepted Answer

pmUSD is deployed on Ethereum Mainnet. The pmUSD token contract address is 0xC0c17dD08263C16f6b64E772fB9B723Bf1344DdF. All DeFi integrations (Curve, Convex, Stake DAO, Yearn, Beefy) operate on Ethereum.

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Copyright 2025 - RAAC Advisory All Rights Reserved

Copyright 2025 - RAAC Advisory All Rights Reserved