# Metallicus

> Infrastructure for real-time money movement.

Metallicus is a company building digital-dollar, payments, identity, and digital asset infrastructure. It serves banks, credit unions, developers, and individuals seeking compliant crypto and payment products.

Metallicus is a financial technology company that builds infrastructure for real-time money movement, connecting traditional financial institutions with digital asset and blockchain technology. It provides digital-dollar, payments, identity, and digital asset services designed for banks, credit unions, developers, and individual users. The company positions its offering as a bridge between regulated finance and onchain financial services.

For institutions, Metallicus offers wallet and payment infrastructure, reusable digital identity tools, digital asset trading and lending capabilities, and support for launching institution branded stablecoins. Banks and credit unions can evaluate these use cases through structured pilot programs before moving to production deployment. The company also supports developers building on multiple blockchain networks suited to different technical and business requirements.

For individual users, the company offers a product suite that includes a fiat on ramp for purchasing digital assets, a decentralized exchange, a lending and borrowing platform, and a self custody wallet secured through biometric and multi device authentication. It publishes research and technical whitepapers supporting its ecosystem. Metallicus is used by financial institutions seeking digital asset pilots, developers building on its supported networks, and individuals managing digital asset payments and holdings.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2016-01-01
- Profile: https://thegrid.id/profiles/metallicus

## Products

- [Metal Blockchain](https://thegrid.id/profiles/metallicus): Metal Blockchain is a Layer 1 blockchain built on Avalanche consensus technology for financial institutions and developers. It provides EVM-compatible smart contract deployment alongside sovereign subnets that let institutions define custom membership rules, token economics, and compliance parameters. Validators secure the network through proof-of-stake participation, and the architecture supports high-throughput financial and enterprise applications. (L1, Live, Main Product)
- [WebAuth Wallet](https://thegrid.id/profiles/metallicus): WebAuth Wallet is a self-custody digital asset wallet that uses WebAuthn-based biometric authentication instead of passwords or seed phrases. It lets users store, send, and manage digital assets while connecting directly to other Metal applications and multiple supported blockchain networks. The wallet targets both experienced crypto users and newcomers seeking a simplified onboarding process for self-custody. (Wallet, Live)
- [Metal Dollar (XMD)](https://thegrid.id/profiles/metallicus): Metal Dollar is a stablecoin issuance platform that mints and redeems Metal Dollar, a reserve-backed dollar token collateralized by a basket of other dollar stablecoins. A smart contract manages the reserve mix, adjusting the composition of the underlying collateral to maintain the token's stability and reduce risk exposure. Users deposit supported reserve-backed stablecoins to mint the token at a one-to-one rate and can redeem it back into any supported collateral asset. (Stablecoin Issuer, Live)
- [Metal X](https://thegrid.id/profiles/metallicus): Metal X is a decentralized exchange that lets users trade digital assets directly from self-custodied wallets using an on-chain order book with market, limit, stop, and take-profit order types. It also offers lending and borrowing markets and staking services, allowing users to earn yield on deposited assets or delegate stake, all accessible from the same account and interface. The platform emphasizes on-chain settlement and transparent pricing without requiring users to give up custody of their assets. (Decentralised Exchange, Live)
- [Metal Pay](https://thegrid.id/profiles/metallicus): Metal Pay is an on/off ramp platform that lets users buy, sell, and manage digital assets using debit or credit cards. It combines a built-in crypto marketplace with fast peer-to-peer transfers, allowing users to move between cash and digital assets from a single account. The platform targets both newcomers and existing digital asset holders seeking a simplified bridge between traditional payments and crypto. (On/Off Ramp, Live)

## Assets

- [Metal (METAL)](https://thegrid.id/profiles/metallicus): METAL is the native token of Metal Blockchain. It is used to pay transaction fees, participate in proof-of-stake validation, and vote on governance proposals. A portion of each transaction fee is burned, making METAL deflationary as network activity increases. (Native)
- [Metal Dollar (XMD)](https://thegrid.id/profiles/metallicus): XMD is a USD-pegged stablecoin governed by Metal DAO. It is minted or redeemed one-to-one against a smart-contract-managed basket of other dollar stablecoins, with reserves rebalanced automatically to maintain price stability, and serves as the primary trading pair on the Metal X decentralized exchange. Unlike single-collateral stablecoins, its treasury dynamically shifts weighting across underlying tokens to reduce concentration risk. (Stablecoin)
- [Metal DAO (MTL)](https://thegrid.id/profiles/metallicus): MTL is the governance token of Metal DAO, a blockchain-agnostic organization overseeing the Metal Dollar protocol. On the XPR Network the same token is represented as XMT and is the operative instance for submitting and voting on governance proposals, while the Ethereum-deployed MTL does not carry governance rights. Following a 2020 rebrand, the token has a hard-capped, fully distributed supply of 66,588,888 units and grants Metal Pay trading fee discounts based on holdings. (Governance)

## Links

- [Documentation](https://docs.metalblockchain.org)
- [Main](https://www.metallicus.com)
- [Blog](https://www.metallicus.com/news)
- [Governance](https://gov.xprnetwork.org)
- [Whitepaper](https://metallicus.com/company/whitepapers)
- [Instagram](https://instagram.com/wearemetallicus)
- [Discord](https://discord.gg/B2QDmgf)
- [LinkedIn](https://linkedin.com/company/metallicus)
- [YouTube](https://youtube.com/@metallicusTDBN)
- [Twitter / X](https://x.com/MetallicusTDBN)
- [Twitter / X](https://x.com/webauthwallet)

## Relationships

- [Metal Pay](https://thegrid.id/profiles/metal_pay): Subsidiary
- [XPR Network](https://thegrid.id/profiles/xpr_network): Subsidiary
- [Metal L2](https://thegrid.id/profiles/metal_l2): Subsidiary
- [Metal X](https://thegrid.id/profiles/metal_x): Subsidiary

## Legal

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The following applies to both licensing models.
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP