Hugo Sallé de Chou

Cofounder & COO @usualmoney 🚀 Ex-founder at Pumpkin (fintech pioneer) 🧠 Redesigning finance for a fairer future 🔮

[Hugo Sallé de Chou @hugosdc]

Not all yield lovers like roller coasters 📈
We’ve built @Fira_Lend for those who want to plan, anticipate — and sleep.

Fixed-rate credit is now live 👇

[Fira @Fira_Lend]

Fixed-rate lending is live on Ethereum.

Fira is deployed. First maturity set. Market-discovered rates. Zero-coupon bonds onchain.

The fixed credit layer starts now.

[Hugo Sallé de Chou @hugosdc]

@Fira_Lend Slightly biased — but this might be one of the most interesting reads in DeFi today ☝️

[Hugo Sallé de Chou @hugosdc]

Fixed-rate lending is one of the most underexplored primitives in DeFi.

Excited to finally share our full take on it.

Whitepaper is live 👇

[Fira @Fira_Lend]

Fira's documentation and whitepaper are live.

How fixed-rate lending works onchain. Why maturities matter.

The full technical picture.

[Hugo Sallé de Chou @hugosdc]

The DeFi meta: find the best yield, understand the strategy, open the docs, close the docs, do nothing.

Multiply is for everyone who stopped at step 3.

[Fira @Fira_Lend]

$bUSD0 trades at a discount to par. At maturity, it redeems at 1:1.

The gap between current price and par is the return. The dominant strategy in UZR has always been to scale into that gap.

Until now, doing that efficiently required manual assembly.

With Multiply now live on Fira, that all changes

https://t.co/W3bK5C0FjO

[Hugo Sallé de Chou @hugosdc]

@usualmoney IBAN is more than a bridge, it's a shortcut!

[Hugo Sallé de Chou @hugosdc]

Fintech and crypto have been solving the same problem from opposite sides for years.
One had the banking rails. The other had the programmable money.

Pumpkin App was on one side. @usualmoney is on the other.
EUR ↔ EUR0 direct from your bank is a small but real step across the divide.

[Usual @usualmoney]

For years, getting euro stablecoins in meant going through an exchange.

Exchanges were built for trading, not for connecting your bank to your money.

That changes today.

Every Usual account now has a dedicated IBAN. Deposit euros from any bank via SEPA and your EUR0 balance updates automatically. SEPA Instant settles in seconds.
Standard SEPA settles in one to two business days.

To exit, send EUR0 back over the same rail. Euros land in your bank account.

The infrastructure runs on @monerium, Europe’s first licensed issuer of regulated electronic money, fully MiCA-compliant. Funds safeguarded by law. Redemption at par. No exceptions.

We built this as the foundation. From here, everything Usual develops connects directly to the financial system you already use.

Your euros. Your terms.

https://t.co/UL8E7f8n89.

[Hugo Sallé de Chou @hugosdc]

Another brick in the wall!
Welcome Fira 👋

[Fira @Fira_Lend]

/ Welcome to Fira

Onchain credit today is mostly variable.
Rates move. Outcomes shift. Planning becomes guesswork.

Fira exists to make credit onchain more legible.

Fixed rates.
Clear maturities.
Market-driven pricing.

Not to reinvent lending -
but to give it structure

[Hugo Sallé de Chou @hugosdc]

@Fira_Lend gm @Fira_Lend !

[Hugo Sallé de Chou @hugosdc]

In crypto, security matters. Not just for protocols — users also need robust protection from scammers and other internet threats.
Thanks @ChainPatrol for watching over us! 🛡️🚨

[ChainPatrol @ChainPatrol]

@usualmoney is protected by @ChainPatrol 🌌

🛡️ Shield users, staff and community from online threats! 💪

[Hugo Sallé de Chou @hugosdc]

@usualmoney From the start @usualmoney has been all about ownership and alignment - he we are, taking it to the next level

[Hugo Sallé de Chou @hugosdc]

@iamnicki15 We have an open position at @usualmoney that could be a good match! Let's talk if you want.
https://t.co/83P9gZoBQv
Just DM me.

[Hugo Sallé de Chou @hugosdc]

@usualmoney Usual is growing up — this is a major step toward true decentralisation and protocol maturity.

[Hugo Sallé de Chou @hugosdc]

@usualmoney don't get cold this winter, put up your brand new USD0a and stay hottt!

[Hugo Sallé de Chou @hugosdc]

Another big step toward Usual V2.
USD0a brings structured, delta-neutral yield to stablecoins — a powerful addition to our savings and stability stack.

[Usual @usualmoney]

https://t.co/330CkkihT0

[Usual @usualmoney]

https://t.co/xHkG9pQQL4

[Hugo Sallé de Chou @hugosdc]

If you’ve been yelling at crypto teams for bad comms… here’s your chance to do it right.

[Usual @usualmoney]

Our social media is mid — i know because i’m the one posting

if you’re cracked af, know your way around stables, LRTs, and yield without breaking a sweat - we need you

2 twitter accounts, our Discord, and a whole protocol comms stack

link below. come take my job.

(for real, i’ll hand you the keys)

https://t.co/hsqGqJewzs

[Hugo Sallé de Chou @hugosdc]

@usualmoney Yoda looks for Skywalker

[Souk @Red_Souk]

If you were banned from the @UsualMoney Discord and want back in, drop your username below or DM the Usual account.

We’re resetting the slate - Bringing key users back is part of getting the system in order.

[Hugo Sallé de Chou @hugosdc]

@usualmoney From bootstrapping to maturity!

[Hugo Sallé de Chou @hugosdc]

Vote YES if you’re done with emissions dragging down every pump.
Vote YES if you want real revenue to actually matter.
Vote YES if you want USUAL to scale with conviction, not inflation.
UIP‑11 = tighter supply, stronger foundation, long‑term alignment.
This is the upgrade that gets us ready for V2!

[Usual @usualmoney]

https://t.co/h9Pf5ZuQAj