How W3i Software Strengthens ADA with USDM Stablecoin and Real-World Blockchain Applications

In March 2025, the Hoskinson Family Office made headlines by investing $1.5 million in W3i Software, Inc., a pioneering fintech company that bridges traditional finance (TradFi) with decentralized finance (DeFi). This investment is a significant step toward advancing Cardano’s ecosystem, particularly through the development of USDM, Cardano’s first fiat-backed stablecoin compliant with the EU’s Markets in Crypto-Assets (MiCA) framework. But what exactly is W3i Software, and why is this partnership so impactful?

This blog explores W3i Software’s mission, its role in strengthening Cardano (ADA), and how its innovative solutions promote liberty and financial inclusion.

Quote: “USDM is critical infrastructure for Cardano’s future. W3i and Moneta Digital have built a stablecoin that meets the highest regulatory standards, and now we’re focused on driving institutional adoption across banks, governments, and financial markets. This is the real-world use of Cardano we’ve been building toward.” — Charles Hoskinson

Who Is W3i Software?

W3i Software, Inc. is a fintech company founded in June 2022 and headquartered in West Lafayette, Indiana, USA. The company specializes in creating secure and compliant financial tools that bridge the gap between TradFi and DeFi. Its flagship product, Moneta USDM, is a fully collateralized stablecoin built on the Cardano blockchain, designed to offer stability, transparency, and regulatory compliance.

Key Details:

• Founded: June 2022
• Headquarters: West Lafayette, Indiana, USA
• Consensus Mechanism: Cardano’s Proof-of-Stake (PoS) via Ouroboros
• Mission: To democratize access to financial services while maintaining the highest standards of security and compliance.

W3i Software is committed to reshaping the financial landscape by enabling businesses and individuals to harness blockchain technology confidently.

Other Investors in W3i Software

Currently, the Hoskinson Family Office is the primary investor in W3i Software, having contributed $1.5 million during its seed funding round in March 2025. While no additional investors have been publicly disclosed, W3i has launched a Regulation Crowdfunding (Reg CF) campaign to invite global supporters to invest and become shareholders.

10 Real-World Applications of W3i Software

W3i Software’s innovative solutions have a wide range of applications that benefit individuals, businesses, and governments. Here are 10 real-world examples:

1. Stablecoin Transactions: Moneta USDM enables secure, fast, and low-cost transactions for businesses and individuals, reducing reliance on volatile cryptocurrencies.
2. Cross-Border Payments: W3i facilitates seamless international transactions, making remittances more affordable and accessible.
3. DeFi Integration: Developers can use W3i’s tools to build decentralized applications (dApps) that offer lending, borrowing, and staking services.
4. Regulated Financial Services: W3i’s compliance with MiCA standards ensures that its products meet strict regulatory requirements, fostering trust among institutional users.
5. Tokenized Assets: W3i supports the tokenization of real-world assets, such as real estate or commodities, enabling fractional ownership and liquidity.
6. Supply Chain Transparency: Blockchain-based solutions from W3i improve tracking and accountability in supply chains, reducing fraud and inefficiencies.
7. Identity Verification: W3i’s blockchain technology enables secure and tamper-proof identity verification for financial institutions and governments.
8. Smart Contract Automation: Businesses can use W3i’s tools to automate contracts, reducing administrative costs and errors.
9. Educational Certifications: W3i’s blockchain solutions can securely store and verify academic credentials, ensuring transparency in education.
10. Charitable Donations: W3i enables transparent and traceable donations, ensuring that funds reach their intended recipients.

How W3i Strengthens Cardano (ADA)

The partnership between W3i Software and Cardano is a game-changer for the blockchain ecosystem. Here’s how W3i strengthens ADA:

1. Regulated Stablecoin: USDM enhances Cardano’s DeFi ecosystem by providing a stable and compliant digital currency.
2. Institutional Adoption: W3i’s focus on regulatory compliance attracts banks, governments, and financial institutions to Cardano.
3. Global Reach: By facilitating cross-border payments and financial inclusion, W3i expands Cardano’s user base.
4. Developer Tools: W3i’s solutions empower developers to build innovative dApps on Cardano.
5. Economic Stability: ADA-backed stablecoins provide a hedge against volatility, increasing Cardano’s appeal.
6. Sustainability: W3i leverages Cardano’s energy-efficient PoS mechanism, aligning with global sustainability goals.
7. Community Engagement: W3i’s crowdfunding campaign fosters a sense of ownership and participation within the Cardano community.

Promoting Liberty Through W3i Software

W3i Software’s mission aligns with the principles of liberty and financial freedom. Here’s how it promotes these values:

1. Decentralization: By bridging TradFi and DeFi, W3i reduces reliance on centralized financial institutions.
2. Financial Inclusion: W3i’s tools empower unbanked populations to access financial services.
3. Transparency: Blockchain technology ensures accountability and reduces corruption.
4. Data Ownership: Users retain control over their personal and financial data.
5. Global Accessibility: W3i’s solutions are available to anyone with an internet connection, breaking down geographic barriers.
6. Regulatory Compliance: By adhering to legal standards, W3i fosters trust and legitimacy in the blockchain space.
7. Empowerment: W3i enables individuals and businesses to participate in the decentralized economy confidently.

Conclusion

The Hoskinson Family Office’s investment in W3i Software marks a pivotal moment for Cardano and the broader blockchain industry. By developing compliant and innovative financial tools, W3i is not only strengthening ADA but also promoting liberty, transparency, and inclusion on a global scale. As W3i continues to grow, its impact on Cardano and the decentralized economy will undoubtedly shape the future of finance.

Important Note: This blog is for informational, educational, and entertainment purposes only. It is not financial advice. Readers are encouraged to conduct their own research and consult with experts before making any financial or investment decisions.