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M0 is a modular stablecoin infrastructure offering composable issuance, distribution, and application layers. It enables developers to customize token behavior (e.g., rewards, access control) via Stablecoin Extensions, achieve cross-chain liquidity and 1:1 conversion through Onchain Orchestration, and support reserve-based issuance or wrapped asset models. Its mechanisms include automatic fee distribution, continuous yield streaming, and unified indexing to ensure consistent reward and risk parameters across multi-chain environments.
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About M0
M0 is a modular stablecoin infrastructure that separates the stablecoin stack into three independent layers: issuance, distribution, and application. This allows builders to customize each layer without being locked into a single vendor's end-to-end solution. Its core narrative is "money should be plural" — different use cases require different stablecoin behaviors, and M0 provides the Lego-like building blocks to create them.
The market pain point M0 addresses is the trade-off in traditional stablecoin models: either build your own issuance infrastructure (costly, 18+ month build cycles, regulatory burden) or adopt an existing stablecoin like USDC/USDT (zero customization, no control over economics or compliance). M0's modular approach lets issuers launch in weeks, configure rewards distribution in real time, and maintain optionality across chains and partners.
In the past six months (2026-02-28 to 2026-08-29), M0 has seen notable progress. Anchorage Digital, the first federally chartered crypto bank in the US, selected M0 as its core technology for issuing regulated stablecoins. PayPal, MetaMask, Exodus, and Kast are among builders already demanding M0-standard stablecoins. The GENIUS Act in the US has created a clearer regulatory path for stablecoins, and M0's compliance-focused design (including Predicate onchain screening) positions it well. Stripe, Moonpay, and MetaMask have also adopted M0's infrastructure.
No significant negative events were reported in the past two years. The project is distinct from any same-named entities in other sectors.
M0 was founded in 2023 by Luca Prosperi and Gregory Di Prisco to build modular stablecoin infrastructure, positioning itself as the "layer zero of money."
In August 2025, M0 completed a $40 million Series B funding round led by Polychain Capital and Ribbit Capital, bringing total funding to $100 million. The round will be used to expand its network, enabling more stablecoin issuers to deploy tokens on its platform and advancing stablecoins as the base layer of financial infrastructure. M0's modular design allows issuers to independently configure token behavior, integration, and distribution, avoiding the limitations of a single centralized issuer.
In the past six months, M0's most significant progress was launching the PYUSDx developer platform with PayPal and MoonPay, enabling businesses to quickly issue branded stablecoin products on PYUSD. As of Sept 9, 2026, Saturn, Concrete, and Cap were live, with over $100M processed volume; USD.AI and Fairblock are coming soon. On Apr 30, 2026, M0 partnered with Anchorage Digital as its core technology provider for regulated stablecoin issuance, custody, and reserve management, expanding institutional issuance. M0's modular infrastructure already serves Stripe, MoonPay, MetaMask, etc., supporting configurable token behavior, rewards, access controls, and cross-chain interoperability.
Future focus: continue expanding the modular stablecoin platform to lower issuance barriers and let more institutions/developers deploy compliant stablecoins quickly; advance regulated issuance with Anchorage; enhance liquidity, interoperability, and official PayPal integrations through the PYUSDx ecosystem; Fairblock will build confidential stablecoin CUSD on PYUSDx, exploring on-chain payments that balance privacy and compliance.
Luca Prosperi: Co-Founder & CEO. Previously Director at MakerDAO, Senior Investment Professional at Ripplewood Advisors, Principal at Partners Capital, Associate at Morgan Stanley, Manager at Oliver Wyman.
Gregory Di Prisco: Co-Founder & Chief Architect. Previously Partner at Distributed Capital Partners, Co-Founder at Ajna Labs, CEO at EtherIndex, Head of Business Development at MakerDAO.
Joao Reginatto: Chief Strategy Officer. Previously VP Product for Stablecoins at Circle, led USDC buildout; Director of Product Management at Circle.
Thomas Scott: General Counsel. Previously Chief Legal Officer at an unnamed company (likely Circle), led legal, policy, compliance.
Antonina Norair: CTO. Previously Senior Blockchain Engineer at ConsenSys, Senior Engineer at Compound, Senior Blockchain Engineer at MoonPay.
M0 recently welcomed Elias Moreno as a Senior Solana Engineer, joining in July 2026. He brings a strong background in Rust and payments infrastructure, having led the stablecoin payments API Grid at Squads Labs for clients like Coinbase, and previously served as a founding engineer at Clockwork and CTO at Elmnts. As a modular stablecoin infrastructure with a team across 11 countries, M0 will benefit from Elias's expertise in the Solana ecosystem and Token-2022.