Smart USD is Bancoli's USD-equivalent balance view for eligible components.
It may combine eligible balances such as USDC, USDi, and RLUSD into one USD-equivalent view so you can understand your available USD-denominated value more easily.
What Smart USD is
A USD-equivalent balance view
A way to display eligible components at a 1:1 USD peg value
A dashboard view that may include USDC, USDi, and RLUSD components where eligible
What Smart USD is not
It is not a separate currency.
It is not a fiat USD bank account.
It is not a deposit account.
It is not a standalone wallet.
It is not a new asset.
Where Smart USD components come from
USDC and USDi components come from your self-custodial wallet.
RLUSD components, where available, come from a Rail-provided custodial wallet and are limited to eligible Premium and Enterprise non-MSB accounts.
Can everyone use Smart USD?
Availability depends on your account type, plan, verification status, location, and compliance checks.
USDC may be available broadly through the self-custodial wallet, subject to sanctions, wallet-access, and prohibited-jurisdiction controls.
USDi may be displayed as part of Smart USD, but redemption can require verification or a higher plan.
RLUSD is available only to eligible Premium and Enterprise non-MSB accounts where approved.