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Ondo US Dollar Yield Coin (USDY): Top 5 Ways to Spend It in 2026
Ondo US Dollar Yield (USDY) is a tokenised note from Ondo Finance that gives non-US holders a dollar balance backed by short-term US Treasuries and bank deposits. Ondo launched it in August 2023, and the token has since grown past $2 billion in total asset value across chains.
But what can you actually do with USDY outside your wallet? One of the more useful options is travel. USDY holders can book hotels and flights through Epic at prices up to 30% cheaper than Booking.com. New users can also get $25 off their first booking.
Below, we cover five practical ways to use USDY in 2026, from booking travel to everyday purchases.
Key Takeaways
- Epic is one of the easiest places to spend USDY, where holders can book hotels and flights at rates up to 30% below Booking.com. New users can claim $25 off their first booking.
- USDY accrues yield from short-term US Treasuries and bank demand deposits, and it circulates on Ethereum, Solana, Sui, Aptos, and BNB Chain.
- Polkastarter opens up physical collectibles for USDY holders, from rare trading cards and graded items to sealed products and video games.
- Coinsbee brings USDY into everyday spending, letting holders buy gift cards, prepaid vouchers, and mobile top-ups across 5,000+ brands in 185+ countries.
- USDY can be put toward early-stage token sales on CoinTerminal, with entry starting at $100.
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1. Book Discounted Hotels and Flights With USDY on Epic
Travel is among the most practical ways to spend USDY in 2026. Through Epic, holders can book hotels and flights at rates up to 30% below Booking.com.
Bookings also earn up to 8% cashback in XRP, giving frequent travellers another way to save. Epic gives holders access to more than 2 million hotels and flights worldwide, so you can compare stays by budget, destination, and preferences.
Payment is also simple, with USDY used directly at checkout, alongside 200+ other cryptocurrencies.
New users can also claim $25 off their first booking.
Book your next hotel for up to 30% less
2. Buy Physical Collectibles With USDY on Polkastarter
Polkastarter gives USDY holders a way to spend crypto on physical collectibles. The marketplace offers rare trading cards, graded collectibles, sealed products, and retro and current-generation video games.
USDY is not accepted directly, so holders will first need to swap it for USDC, the balance currency the marketplace uses, before funding an account. From there, you can connect your wallet, choose an item, and complete the purchase.
You can check the Polkastarter marketplace to see what's currently available.
3. Earn Daily Yield With USDY Across the Ondo Ecosystem
USDY holders can use the token directly on Ondo Finance, the platform that issues it. The yield accrues in the token's price rather than in extra tokens, so a USDY balance is worth slightly more each day.
Minting and redemption run through Ondo itself once a holder is verified, and the token is available to non-US individuals and institutions. Outside that route, USDY is bought and sold on exchanges and used as collateral in lending markets on the chains it supports.
USDY circulates on Ethereum, Solana, Sui, Aptos, and Mantle, and Ondo added BNB Chain with instant minting on 4 August 2026. By September 2026 the token covered more than $2 billion in assets, held by roughly 17,800 addresses.
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4. Join Early-Stage Token Sales With USDY on CoinTerminal
USDY holders can also use their crypto to join early-stage token sales through CoinTerminal, an open-access launchpad that lets users invest in early-stage startups before they reach exchanges. There are no platform token-staking requirements, and sales can be joined with a minimum contribution of $100.
USDY is not accepted directly, so holders will first need to swap it for USDT before joining a sale, on an exchange such as Gate or Bybit. All launches are fully refundable, making the investment risk-free.
Check CoinTerminal to see which token sales are currently open.
5. Buy Gift Cards and Mobile Top-Ups With USDY on Coinsbee
Coinsbee makes it simpler to use crypto for day-to-day purchases, with support for 200+ cryptocurrencies and gift cards, prepaid products, and mobile top-ups from more than 5,000 brands in 185+ countries.
Coinsbee does not accept USDY directly, so holders will first need to convert it to USDT or BTC on an exchange. The process is then straightforward: choose a brand, select the amount, pay with the converted crypto, and the redemption code is sent to your email within minutes. The categories cover shopping, food delivery, streaming, gaming, and mobile top-ups.
Browse the Coinsbee catalogue to see what is available in your country.
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Adrian Baschuk is the chief executive officer of Epic. Adrian has spent two decades in media as a producer, journalist, and founder, and has worked in crypto since 2017. He was a founding partner at Crypto Banter, worked on CNBC's Crypto Trader, and has produced and reported for CNN, Current TV, and Discovery.
His television production credits include Disengagement, South Beach Tow, and Kart Life. He became CEO of Epic in 2025 and leads the company's move into travel, building the first travel layer for crypto.
Based in Miami, Adrian earned a bachelor's degree in international relations from Tufts University.
Frequently Asked Questions
Ondo US Dollar Yield is a tokenised note issued by Ondo Finance and secured by short-term US Treasuries and bank demand deposits. USDY is open to non-US individuals and institutions, and it accrues yield in the token's price, so holders keep a dollar balance that grows daily on Ethereum, Solana, Sui, Aptos, and BNB Chain.
Ondo brought USDY to Solana in early 2026 after announcing the expansion on 15 December 2025, then launched it on BNB Chain with instant minting on 4 August 2026. On 15 July 2026 Ondo joined the DTCC Tokenization Service for its tokenised stock products, and by September 2026 USDY covered more than $2 billion in assets.
Yes. Epic accepts USDY and 200+ other cryptocurrencies for hotels and flights across 190+ countries, at prices up to 30% cheaper than Booking.com. New users can also get $25 off their first booking.
Token prices cannot be reliably forecast, and this article is not investment guidance. What USDY does have is a defined role: it is a dollar-denominated note backed by short-term US Treasuries and bank deposits, it pays that yield to non-US holders through a rising token value, and it is used as collateral across the chains Ondo supports.
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