# \[IP\] eUSD FinTech Revenue Share Update 2025-11-27 **URL:** \ **Category:** eUSD RFC\ **Created:** [November 27, 2025, 7:01am UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349 "2025-11-27T07:01:30Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![Sawyer](https://dub1.discourse-cdn.com/flex005/user_avatar/forum.reserve.org/sawyer/32/187_2.png) [@Sawyer](https://forum.reserve.org/u/Sawyer)\ **Post date:** [November 27, 2025, 7:01am UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349/1 "2025-11-27T07:01:30Z")
### Summary This is an update to the existing ongoing proposal of sharing some of the eUSD Revenue with FinTechs(Ugly Cash and Sentz). eUSD shares underlying revenue with distribution partners(i.e. fintech apps) who use and promote eUSD for their customers. Original [Proposal](https://forum.reserve.org/t/rfc-eusd-rev-share-with-fintech-apps/801). ![image](https://europe1.discourse-cdn.com/flex005/uploads/reserve/original/1X/a0924d94945485de1ea443496e49ee16833ce17b.png) Current eUSD FinTech RevShare Split: Ugly Cash: 28.5% Sentz: 5.2% stRSR: 63.3% Proposed eUSD FinTech RevShare Split: Ugly Cash: 31.2% Sentz: 5.4% stRSR: 60.4% eUSD Market Cap(At Snapshot): $20,662,461 Ugly Cash eUSD Holdings(At Snapshot): $6,445,359 Sentz eUSD Holdings(At Snapshot): $1,124,184 Change Since Last Proposal: | **FinTech** | **Previous Proposal** | **Current** | **Delta** | | --- | --- | --- | --- | | UglyCash | $6,103,063 | $6,445,359 | +5.4% | | Sentz | $1,122,359 | $1,124,184 | +0.16% | \*The percentages are calculated based on the amount of eUSD the Fintech Apps are holding relative to the eUSD Market Cap. These update proposals happen bi-weekly. This will allow onchain percentages to more accurately reflect FinTech eUSD holdings. ### Abstract The proposed proposal, if enacted, would update the Revenue Share in compliance with the rules set forward in the ongoing RevShare proposal. ### Problem Statement See Original [Proposal](https://forum.reserve.org/t/rfc-eusd-rev-share-with-fintech-apps/801). ### Rationale This update proposal aims to align with previous governance support of the ongoing FinTech RevShare proposal. ### Risks With overcollateralization at 44% the risk of lowering the stRSR percentage is minimal _Poll ([view on site](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349/1))_ ![Untitled (200 x 200 px) (1)](https://europe1.discourse-cdn.com/flex005/uploads/reserve/original/1X/32a7f1920da69be0277d552cc639a09ff06d00e3.png) ---
**Author:** ![Sawyer](https://dub1.discourse-cdn.com/flex005/user_avatar/forum.reserve.org/sawyer/32/187_2.png) [@Sawyer](https://forum.reserve.org/u/Sawyer)\ **Post date:** [November 30, 2025, 3:10pm UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349/2 "2025-11-30T15:10:14Z")
This proposal has been moved onchain. The Request for Comments period has ended and the poll is closed. Link to onchain proposal: [Reserve app | DTFs](https://app.reserve.org/ethereum/token/0xa0d69e286b938e21cbf7e51d71f6a4c8918f482f/governance/proposal/94273816145368158125345436967127491192512013369723130717715859530593335745260) ---
**Author:** ![glock](https://dub1.discourse-cdn.com/flex005/user_avatar/forum.reserve.org/glock/32/892_2.png) [@glock](https://forum.reserve.org/u/glock)\ **Post date:** [December 2, 2025, 11:40am UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349/3 "2025-12-02T11:40:41Z")
Would help if you mentioned how this affects RSR stakers. I’ve been seeing the percentage drop every other week but no explanation how this affects anyone at all. Please be transparent, is this good for the ecosystem? Does this benefit RSR stakers? ---
**Author:** ![Sawyer](https://dub1.discourse-cdn.com/flex005/user_avatar/forum.reserve.org/sawyer/32/187_2.png) [@Sawyer](https://forum.reserve.org/u/Sawyer)\ **Post date:** [December 8, 2025, 2:21am UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349/4 "2025-12-08T02:21:20Z")
Hi, please familiarize yourself with the original proposal [here](https://forum.reserve.org/t/rfc-eusd-rev-share-with-fintech-apps/801) Personal opinions shouldn’t be discussed in the update proposals. It’s important to only present the facts to the governors. My personal opinion is that eUSD’s only distribution is through the FinTechs, and that supporting the FinTech RevShare proposals is the only way that eUSD will find PMF. The overcollateralization percentage is dictated by the following factors: Collateral basket APY, amount of RSR staked, the price of RSR and revenue percent directed towards stRSR. In recent events the revenue percent directed towards stRSR has been going down. However, during this time period the APY to stake your RSR has been going up. ---
**Author:** ![ham](https://avatars.discourse-cdn.com/v4/letter/h/ecb155/32.png) [@ham](https://forum.reserve.org/u/ham)\ **Post date:** [December 9, 2025, 10:08pm UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-11-27/1349/5 "2025-12-09T22:08:25Z")
Hey glock, you should definitely check out the original proposal as Sawyer suggests. I’d also suggest checking out the [latest quarterly report](https://forum.reserve.org/t/report-eusd-quarterly-report-q3-2025/1263/7) and this [forum post](https://forum.reserve.org/t/eusd-revenue-share-historical-view/1226/33) to really get up to speed on eUSD and sentiment around the revenue share programme. I agree with Sawyer on eUSD’s main distribution channel being through fintechs. However to answer your question candidly, while it’s easy to derive from the proposal that supporting these early fintechs and their growth will eventually benefit RSR stakers, there is currently no clear plan for a revenue share to return to them.