World

Liberty

DeFi

World Liberty Financial

President Donald Trump

Donald Trump-linked&nbsp;<a href="https://bsc.news/post/world-liberty-financial-wlfi-analysis" rel="noopener noreferrer nofollow">World Liberty Financial</a> has launched its first decentralized finance web app, World Liberty Markets, offering onchain lending and borrowing services built around its dollar-pegged&nbsp;<a href="https://bsc.news/post/understanding-stablecoins-how-they-work-guide" rel="noopener noreferrer nofollow">stablecoin</a>, USD1. The new platform allows users to supply digital assets to earn yield or borrow against their holdings, using infrastructure provided by the DeFi protocol Dolomite.
The launch marks the first major product rollout from World Liberty Financial, a crypto venture backed by U.S. President Donald Trump and members of his family, and places USD1 directly inside active DeFi markets.
<h2 id="span-span-strong-what-is-world-liberty-markets-strong-span-span">What Is World Liberty Markets?</h2>
World Liberty Markets is a lending and borrowing interface that lets users interact with Dolomite’s money market system through a WLFI-branded front end. Instead of building a protocol from scratch, World Liberty Financial chose to rely on Dolomite’s existing infrastructure, which is already used for onchain credit markets.
At launch, users can supply assets, earn interest, or borrow against collateral directly onchain.
Supported assets include:
<ul>
 <li>USD1 stablecoin</li>
 <li>WLFI governance token</li>
 <li><a href="https://bsc.news/post/what-is-ethereum-eth-how-it-works-explained" rel="noopener noreferrer nofollow">Ether (ETH)</a></li>
 <li>Coinbase wrapped bitcoin (cbBTC)</li>
 <li>USDC</li>
 <li>USDT</li>
</ul>
USD1 is established as the core asset in the system. Users can lend USD1 to earn yield or use it as collateral to borrow other assets.
<h2 id="span-span-strong-how-does-the-lending-market-work-strong-span-span">How Does The Lending Market Work?</h2>
World Liberty Markets operates like a standard DeFi money market. Users deposit supported tokens into smart contracts. Those deposits become liquidity that other users can borrow.
Key mechanics include:
<ul>
 <li>Interest rates that adjust based on supply and demand</li>
 <li>Overcollateralized borrowing, meaning users must deposit more value than they borrow</li>
 <li>Onchain execution using Dolomite’s contracts</li>
</ul>
Early data suggests the markets are still thin, which is common at launch. Initial rates indicate users can borrow USD1 at around 0.83% and lend it to earn roughly 0.08%. These figures are expected to change as more capital enters the system.
<h2 id="span-span-strong-why-is-usd1-central-to-the-platform-strong-span-span">Why Is USD1 Central To The Platform?</h2>
USD1 is World Liberty Financial’s flagship product. It is a US dollar-pegged stablecoin designed for trading, payments, and settlement onchain.
According to project data, USD1 recently surpassed $3.4 billion in circulating supply. That growth places it among the largest dollar-backed stablecoins, competing with established players like USDT and USDC.
World Liberty Financial describes USD1 as the asset that ties its ecosystem together. The goal is to keep the stablecoin active across DeFi, payments, and future tokenized asset products, rather than leaving it idle in wallets.
In simple terms:
<ul>
 <li>USD1 is the product users hold and use</li>
 <li>WLFI is the governance token that controls how the system evolves</li>
</ul>
<h2 id="span-span-strong-what-role-does-governance-play-strong-span-span">What Role Does Governance Play?</h2>
World Liberty Markets includes onchain governance through the WLFI token. Token holders are expected to influence how the platform develops over time.
Governance rights include the ability to propose and vote on:
<ul>
 <li>New collateral assets</li>
 <li>Incentive structures</li>
 <li>Market parameters such as borrowing limits</li>
</ul>
This governance model mirrors other DeFi protocols, where control gradually shifts toward token holders rather than remaining with a central team.
<h2 id="span-span-strong-what-is-the-usd1-points-program-strong-span-span">What Is The USD1 Points Program?</h2>
Alongside the lending launch, World Liberty Financial activated a USD1 Points Program inside World Liberty Markets.
Users who supply USD1 may earn points under terms set by launch partners. The project notes that:
<ul>
 <li>Terms may vary by partner</li>
 <li>Conditions can change or end at any time</li>
 <li>Participation carries user risk</li>
</ul>
Points programs are commonly used in DeFi to reward early liquidity providers, though they do not guarantee future benefits.
<h2 id="span-span-strong-how-does-this-fit-into-wlfi-s-broader-strategy-strong-span-span">How Does This Fit Into WLFI’s Broader Strategy?</h2>
World Liberty Financial has made it clear that World Liberty Markets is intended to be a unified interface for a wider set of services.
The platform is designed to expand over time to include:
<ul>
 <li>Tokenized real-world asset products</li>
 <li>Third-party and WLFI-issued assets</li>
 <li>Improved on- and off-ramps</li>
 <li>Card-based spending tied to USD1 balances</li>
</ul>
The project has also applied for a&nbsp;<a href="https://bsc.news/post/world-liberty-financial-occ-trust-bank-usd1" rel="noopener noreferrer nofollow">national trust bank charter</a> through WLTC Holdings LLC. If approved, this would place USD1 issuance and custody under federal supervision, a step that could differentiate it from many crypto-native stablecoins.
The announcement&nbsp;<a href="https://x.com/worldlibertyfi/status/2010849291938488352" rel="noopener noreferrer nofollow">coincided</a> with Trojan adding full USD1 support to its new trading terminal, allowing traders to use the stablecoin directly as market conditions change.
<h2 id="span-span-strong-what-did-world-liberty-financial-propose-using-treasury-funds-strong-span-span">What Did World Liberty Financial Propose Using Treasury Funds?</h2>
In December, World Liberty Financial&nbsp;<a href="https://bsc.news/post/world-liberty-five-percent-treasury-usd1" rel="noopener noreferrer nofollow">proposed</a> using a portion of its WLFI token treasury to support USD1 growth. The proposal asked token holders to approve deploying less than 5% of unlocked WLFI tokens to expand USD1 supply and adoption.
The proposal included several commitments:
<ul>
 <li>Treasury usage capped below 5%</li>
 <li>Full public disclosure of incentive deployments</li>
 <li>Any future use requiring new governance votes</li>
</ul>
The stated aim is to help USD1 compete in a crowded stablecoin market by supporting integrations across centralized and decentralized platforms.
<h2 id="span-span-strong-how-does-real-world-asset-tokenization-fit-in-strong-span-span">How Does Real-World Asset Tokenization Fit In?</h2>
World Liberty Financial&nbsp;<a href="https://bsc.news/post/wlfi-rwa-january" rel="noopener noreferrer nofollow">plans to launch</a> real-world asset products in January, according to comments made by co-founder Zach Witkoff at a Binance-hosted event in Dubai, last December.
Real-world asset tokenization refers to converting traditional assets, such as equities or commodities, into blockchain-based tokens. These tokens can be traded onchain, settled instantly, and divided into smaller units.
WLFI’s upcoming products are expected to build on USD1, using the stablecoin as a settlement layer.&nbsp;
World Liberty Financial&nbsp;<a href="https://icodrops.com/category/ended-ico/" rel="noopener noreferrer nofollow">raised $590 million</a> in a WLFI token sale last year, placing it among the ten largest token sales in crypto history. The project’s political connections have also drawn scrutiny from regulators, industry observers, and the public.
<h2 id="span-span-strong-conclusion-strong-span-span">Conclusion</h2>
World Liberty Financial’s launch of World Liberty Markets introduces a functional DeFi lending platform built on Dolomite and centered on the USD1 stablecoin. The system allows users to lend, borrow, and supply assets onchain, with governance controlled by WLFI token holders. Early liquidity is limited, but the platform establishes USD1 as an active component of a broader ecosystem that includes governance, incentives, and planned real-world asset products.
<h2 id="span-span-resources-span-span">Resources</h2>
<ol>
 <li><a href="https://x.com/worldlibertyfi" rel="noopener noreferrer nofollow">World Liberty Financial on X</a>: Announcements (January, 2026)</li>
 <li><a href="https://www.businesswire.com/news/home/20260107876750/en/World-Liberty-Financial-Announces-that-WLTC-Holdings-LLC-has-Submitted-an-Application-for-a-National-Trust-Bank-Charter-to-Issue-and-Custody-USD1-Stablecoins" rel="noopener noreferrer nofollow">Press release by World Liberty Financial</a>: World Liberty Financial Announces that WLTC Holdings LLC has Submitted an Application for a National Trust Bank Charter to Issue and Custody USD1 Stablecoins</li>
 <li><a href="https://governance.worldlibertyfinancial.com/t/proposal-utilize-unlocked-wlfi-treasury-holdings-to-support-the-growth-of-usd1/51008" rel="noopener noreferrer nofollow">Proposal by World LibertyFi</a>: Utilize Unlocked $WLFI Treasury Holdings to Support the Growth of USD1</li>
 <li><a href="https://www.reuters.com/business/wlf-launch-real-world-asset-products-january-co-founder-says-2025-12-03/" rel="noopener noreferrer nofollow">Report by Reuters</a>: WLF to launch real-world asset products in January, co-founder says</li>
 <li><a href="https://www.coindesk.com/markets/2025/03/14/trump-backed-world-liberty-financial-wlfi-completes-token-sale" rel="noopener noreferrer nofollow">Report by CoinDesk</a>: Trump-backed World Liberty Financial (WLFI) Completes $590M Token Sale</li>
</ol>

Trump-Linked WLFI Launches DeFi Lending Market Built Around USD1 Stablecoin

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