Mezo - Self-Service Bitcoin Banking

Mezo is the onchain Bitcoin banking platform owned by its users. Users can access self-service Bitcoin finance without interacting with loan officers, undergoing credit checks, or observing operational hours. It’s just you, your Bitcoin, and permissionless access to financial services 24/7.

Traditional banks profit from your deposits while charging you for access to your own money. Two-sided lending markets trap you with 8-9% variable rates that can spike unpredictably, especially in decentralized financial systems. Both systems put middlemen between you and your wealth.

Mezo eliminates them all, giving you the power to manage your finances intelligently on your own terms.

Flagship Feature: Fixed Rate Bitcoin Loans

MUSD: Bitcoin-Backed Money with Complete Autonomy

Deposit Bitcoin as collateral, mint MUSD (a dollar-pegged stablecoin), and use it however you need. Your Bitcoin stays yours while MUSD provides you with instant liquidity. Fixed rates start as low as 1% and stay fixed for the entire life of the loan.

This is self-service banking with complete autonomy. Unlike any traditional banking experience, there are no minimum payments, set repayment schedules, or penalties for early repayment. Close your position tomorrow or keep it open for years.

It’s your Bitcoin and your decision on what to do with it.

Core Features

Bitcoin Loans (MUSD)

Self-service loans at fixed 1% rates. Borrow MUSD against your Bitcoin and manage everything yourself. Access up to 90% of your Bitcoin’s value.

Bitcoin Savings Accounts (Yield Vaults)

Deposit BTC or MUSD into automated vaults that generate yield through lending, liquidity provision, and DeFi strategies. Like a high-yield savings account, but transparent, onchain. No minimum balance, withdraw anytime.

Native Swaps

Trade directly on Mezo without leaving the platform. Swap between BTC, MUSD, and other assets with deep liquidity and competitive rates.

Mezo Market

Spend your MUSD on real goods and services. Buy gift cards, pay for subscriptions, and access everyday purchases, all without selling your Bitcoin. Coming soon: direct offramps to your bank account and seamless fiat bridges.

BTC as Gas

Every transaction on Mezo is paid in Bitcoin. This keeps the experience pure Bitcoin while creating a revenue stream that flows back to participants in the Mezo ecosystem.

Built on tBTC

The most battle-tested decentralized Bitcoin bridge with 24k+ BTC bridged since 2020. Reserves are verifiable 24/7, so you don’t need to rely on trusted third parties.

Permissionless Building

Full EVM compatibility means developers can build without permission. Create new financial products, integrate existing protocols, or invent entirely new use cases. The same ethos as Bitcoin: open, permissionless, unstoppable.

Build on Mezo

Mezo is a permissionless and EVM-compatible blockchain. Developers can build whatever they want to enrich the global Bitcoin economy.

For Developers

Full EVM compatibility for familiar tooling
BTC as native gas token
Open source contracts and documentation
Build DeFi, payments, or entirely new financial primitives

Getting Started

Away From the System

Bitcoin was the people’s response to 2008, an escape hatch from boom-bust cycles that grow more violent with each round of money printing. But Bitcoin alone isn’t enough. We need infrastructure to use it productively without compromise.

Mezo creates a parallel financial system where you never have to sell your Bitcoin, never have to ask permission, and never have to trust anyone but yourself. Not reforming the old system, but replacing it. Not asking for permission, but building permissionlessly. Not trusting institutions, but verifying code.

This is self-service banking for the Bitcoin era.

Join The Bitcoin Economy

Start borrowing: mezo.org/borrow

Join the community: discord.mezo.org

Follow development: @MezoNetwork

“Actually there is a very good reason for Bitcoin-backed banks to exist, issuing their own digital cash currency, redeemable for bitcoins.” — Hal Finney, 2010