# \[IP\] eUSD FinTech Revenue Share Update 2025-12-29

**URL:** <https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-12-29/1386>\
**Category:** eUSD RFC\
**Created:** [December 30, 2025, 3:23am UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-12-29/1386 "2025-12-30T03:23:54Z")\
**Posts on this page:** 2\
**Page:** 1

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**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 30, 2025, 3:23am UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-12-29/1386/1 "2025-12-30T03:23:54Z")

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### 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/bc69235a511a702b2208f2b92f7826f23361dd1d.png)

_Current eUSD FinTech RevShare Split:_  
Ugly Cash: 31.2%  
Sentz: 5.4%  
stRSR: 60.4%

_Proposed eUSD FinTech RevShare Split:_  
Ugly Cash: 34.4%  
Sentz: 4%  
stRSR: 58.6%

eUSD Market Cap(At Snapshot): $28,050,205  
Ugly Cash eUSD Holdings(At Snapshot): $9,662,409  
Sentz eUSD Holdings(At Snapshot): $1,127,874

Change Since Last Proposal:

| **FinTech** | **Previous Proposal** | **Current** | **Delta** |
| --- | --- | --- | --- |
| UglyCash | $6,445,359 | $9,662,409 | +39.9% |
| Sentz | $1,124,184 | $1,127,874 | +0.33% |

\*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

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. The current overcollateralization percentage is 24%. This level of protection provides a sufficient buffer so that, even in the event of a collateral default or during a governance led rebalance, eUSD holders are unlikely to be affected.

_Poll ([view on site](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-12-29/1386/1))_

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<div class="post-metadata">

**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:** [January 3, 2026, 2:47pm UTC](https://forum.reserve.org/t/ip-eusd-fintech-revenue-share-update-2025-12-29/1386/2 "2026-01-03T14:47:01Z")

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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/90592528367092978488472892297837302317838132588782195405546480561602685146403)