Smart USD is Bancoli's USD-equivalent balance view for eligible components. It may combine eligible balances such as USDC and USDi 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 and USDi 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 where those balances are eligible to be displayed in Smart USD.
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 or conversion can require verification or a higher plan.