Anzen Finance's USDZ is a stablecoin backed by U.S. private credit loans, not cash. It offers 16% APY through staking and operates on Ethereum and Layer-2 chains. Learn how it works, its risks, and how it compares to USDC and USDT.
USDZ Staking: What It Is, How It Works, and Where to Do It
When you stake USDZ, a stablecoin pegged to the US dollar and built for DeFi yield farming. Also known as USDZ token, it’s designed to let users earn passive income without exposing their holdings to wild price swings. Unlike Bitcoin or Ethereum, USDZ doesn’t try to beat inflation—it tries to hold its value. That makes it perfect for staking, where you lock up your coins to help secure a network and get paid in return. Most USDZ staking happens on decentralized platforms that run on blockchains like Ethereum, Binance Smart Chain, or Polygon. You’re not mining or validating blocks like in Proof of Work—you’re providing liquidity or acting as a validator in a Proof of Stake setup, and the network rewards you with more USDZ.
Staking USDZ isn’t just about earning interest. It’s about using stablecoins as a tool in DeFi. You can stake USDZ to earn yield while still keeping your purchasing power intact. Compare that to staking SOL or ADA, where the coin’s price could drop 30% overnight. With USDZ, your principal stays steady. That’s why traders use it to park funds between trades, and why investors use it to earn 5-10% APY without touching volatile assets. But here’s the catch: not all USDZ staking platforms are equal. Some are audited, transparent, and live on major chains. Others are anonymous, untracked, and could vanish tomorrow. You need to know which ones have real users, real liquidity, and real contracts. That’s why platforms like DeFi lending protocols, systems that let you lend crypto for interest without banks often list USDZ as a supported asset. And why you’ll find USDZ staking options on platforms that also support stablecoin staking, the practice of locking up dollar-pegged tokens to earn rewards.
What you’ll find below isn’t a list of top 10 staking sites. It’s a collection of real stories—some successful, some disastrous—about people who tried to earn with USDZ. You’ll see how a user lost everything because they staked on an unverified contract. You’ll read about a DeFi protocol that offered 18% APY on USDZ… then shut down without warning. And you’ll find one case where someone earned steady returns for over a year by staking on a well-known, audited platform. These aren’t theoretical guides. They’re real experiences from people who used USDZ staking in 2024 and 2025. Whether you’re new to stablecoins or you’ve been staking for years, what’s here will help you avoid the traps and spot the real opportunities.