Announcing Mezo Hackathon 2 Winners

Mezo Hackathon 2 has concluded and brought in 64 projects from 81 builders across three tracks:

• The Bitcoin Banking track was for products built around BTC-backed borrowing, MUSD liquidity, collateral management, and treasury workflows.
• The Supernormal dApp track was for products centered around MUSD payments, savings, commerce, creator monetization, and new consumer flows.
• The MEZO Utilization track was for products giving MEZO tokens real utility, like staking, governance, dApp integrations, developer infrastructure, and more.

41 of the 64 projects built on MUSD, using it as money to pay, save, stream payroll, and settle prediction-market bets. Payments and commerce made up 45% of all submissions. DeFi and lending primitives made up 33%.

First and second place in each track were awarded by the Mezo team, with the engineering team scoring submissions on working demo quality, code, testnet deployment, and protocol integration. Third place in each track is the community award, chosen by the hackathon's community jury.

Bitcoin Banking Winners

Mezo lets Bitcoin holders borrow MUSD against BTC at a 1% fixed rate. That is the sole primitive Builders had to work with in this track.

Cermin won first place.

How it works
Most people do not want to manually track loan health, danger lines, and repayments. Cermin makes that work visible and handles it for them. A user deposits BTC once, picks a risk setting, and Cermin borrows MUSD against that BTC at Mezo’s 1% fixed rate. Cermin then splits the MUSD into money the user can spend and money set aside to earn. When Bitcoin rises, Cermin can add more spendable MUSD from the extra room created by the higher BTC value. When Bitcoin falls, Cermin uses the user’s own MUSD set-aside first, then the spendable balance if needed, to pay down the loan before the position gets too close to the danger line. The user does not have to sell BTC, watch charts all day, or repay at the perfect moment. Cermin keeps the BTC posted, keeps the dollar balance usable, and records each action so the user can see what happened.

Cark said that it “cannot build Cark anywhere else.” Mezo is the only chain that combines native Bitcoin collateral, a Bitcoin-backed CDP stablecoin in MUSD, and a liquidation engine in a single stack. Check out the full project details in the Cermin Github repository.

Mezo TreasuryOS took second place.

How it works
Mezo TreasuryOS aimed to use the Bitcoin Banking primitive in an institutional workflow. A BTC-heavy company needs more than the ability to borrow. It needs to decide who can move money, how much MUSD must stay liquid for operations, what surplus can be put to work, what happens when Bitcoin falls, and how those decisions get explained to finance teams, boards, and auditors. TreasuryOS provides that company with a single workspace for the full flow. The company borrows MUSD against BTC, keeps a required cash buffer, routes only approved surplus into savings, pays down debt when the position needs protection, and produces reports that show what happened and why. An AI layer can read the treasury’s position and prepare memos, but it cannot move funds or approve actions. Check out the full project details in the Mezo TreasuryOS Github repository.

AdaptiveGuard Protocol won the community award.

How it works
AdaptiveGuard adjusts the collateral requirement to match Bitcoin's volatility. It reads BTC volatility every hour, raises the requirement up to 160% when volatility climbs, and lowers it back toward 110% when markets calm. A fixed requirement either over-collateralizes a calm market or leaves loans exposed in a crash. AdaptiveGuard avoids both. Tested against a Black Thursday-style drop, it produced about 73% less bad debt than a fixed 110% ratio. It works as a piece any Liquity-style system can adopt, MUSD included. Try the live demo or check out the full project details in the AdaptiveGuard Protocol Github repository.

Supernormal dApp Winners

The strongest projects in this track used MUSD as the unit inside a real flow.

Cark won first place.

How it works
Cark brings rotating savings circles to Mezo. These circles already exist across the world under names like altın günü, tanda, susu, paluwagan, chit fund, hui, and pardna. A group contributes the same amount on a schedule, and each round, one person receives the full pot. The wheel turns until everyone has had a turn. Cark uses Mezo to tackle the issue of trust. If someone takes their payout and stops contributing, everyone still waiting absorbs the loss. Cark keeps the social pattern intact and changes the guarantee underneath it. Members contribute in MUSD, and each commitment is backed by BTC on Mezo. If a member misses a required payment, Cark uses that member’s BTC backing to make the group whole, so the next payout can still happen. Idle MUSD can earn while it waits between rounds. Members who complete a circle build a reputation record they cannot buy or transfer. Cark keeps the savings circle people already understand and removes the failure point that breaks it. Check out the full project details in the Cark Github repository.

MezoPay took second place.

How it works
MezoPay makes MUSD feel like money people can use every day. A user claims an @username, then sends MUSD to a person. Payment requests arrive as private messages with a simple pay button. Group tabs let friends split dinner, rent, or shared expenses and see who has paid. Savings pots let a user set MUSD aside for a goal instead of keeping every dollar in the same balance. The product is simple on the surface, which is the point. MezoPay takes Bitcoin-backed MUSD and gives it the familiar shape of a payments app, with sending, requesting, splitting, and saving all running on Mezo. Check out the full project details in the MezoPay Github repository.

SuperPage won the community award.

How it works
SuperPage gives AI agents a wallet to spend and earn MUSD. An agent finds a resource, such as an API, a dataset, or a Shopify product, checks the price, asks the user to confirm, pays in MUSD on Mezo, and gets the resource back with an on-chain receipt. Agents can also set an MUSD price and collect payment each time an agent or a person buys it. Any web endpoint can become a paid resource with one line of middleware. SuperPage runs on the x402 standard for payments and ERC-8004 for agent identity and reputation. Try the live demo or check out the full project details in the SuperPage Github repository.

MEZO Utilization

With Mezo Earn in full swing, the MEZO token has plenty of use cases. Builders recognized this and developed tooling around it.

Mezoir won first place.

How it works
Mezoir makes Mezo’s ve-economy easier to operate. Mezoir believes ve-participation should be streamlined through an ntent-based autonomous agent. The user connects a wallet, states a goal, and Mezoir reads what is happening across Mezo before choosing a path. It can help a BTC-heavy participant look for better yield, help a MEZO-heavy participant route voting power, or help a more cautious participant stay flexible. Check out the full project details in the Mezoir Github repository.

BynD took second place.

How it works
BynD coordinates veMEZO that would otherwise sit fragmented across many holders. A veMEZO holder deposits once and receives veBYND, a tradeable token that tracks their claim on the pooled position. From there, BynD keeps the locked positions active, refreshes them weekly, and routes the group’s combined boost to the veBTC positions with the strongest rewards. Holders do not have to remember weekly votes, chase every opportunity by hand, or be stuck in their position with no exit. BynD turns scattered boost power into a shared block that can move with more weight. veMEZO holders get a simpler way to participate, and veBTC holders get a clearer market for attracting boost. Check out the full project details in the BnyD Github repository.

Fractals won the community award.

How it works
Fractals turn a locked veBTC or veMEZO position into fungible tokens. A user deposits and receives fractions that represent a claim on the underlying position and its rewards, with no lock durations, gauge votes, or boost mechanics to manage. The fractions trade on a built-in MUSD marketplace, so a holder can exit before the lock ends rather than wait for the unlock. Rewards from the position are claimed and passed to the fraction holders, and at the settlement window, holders redeem the underlying value. Try the live demo or check out the full project details in the Fractals Github repository.

Honorable Mentions

Six projects did not quite make the cut, but deserve honorable mentions. Nih turns any social profile into a one-click MUSD tip target and lets creators borrow against accumulated tips at 1 percent. KinVault handles Bitcoin inheritance. A user locks BTC, designates heirs, maintains a liveness heartbeat, and, if the heartbeat lapses, heirs receive MUSD borrowed against the BTC, with no keys transferred and no coins sold. Croesus and Sat Salary both stream MUSD payroll from BTC collateral. Wager is a prediction market where MUSD is the only asset. MUSDirect automates recurring MUSD payments while checking the collateral ratio onchain before every transfer.

What this wave of projects says about Mezo

This hackathon shows that builders are honing in on MUSD. 41 of 64 projects used or referenced the MUSD track, and nearly half of all submissions pointed to payments and commerce. Remittances, payroll, treasury workflows, tipping, recurring payments, savings circles, and prediction markets all converged on the same pattern.

Underneath that usage is the same primitive repeated across the strongest work. Builders are borrowing MUSD against BTC at Mezo’s 1% fixed rate, then turning that liquidity into consumer apps, treasury tools, risk systems, and payment flows. Mezo treats the hackathon as the start of a relationship that outlasts the prize announcement. Builders who keep going get follow-on grant support, while those who don't ship a full product stay on as contributors to bounties and shared infrastructure.

Congrats to all the winners and everyone who shipped during the hackathon. Stay tuned for more news on future hackathons and other Mezo developments.

Interested in building on Mezo? Check out the developer docs and join the Discord.

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