The Fuel ecosystem is growing fast, and to support the next wave of DeFi projects, it needs strong financial building blocks. One of the most important blocks in any DeFi ecosystem is a borrowing engine a system that lets people lock their assets and borrow stablecoins safely.

This is exactly what Moor, created by Rig Labs, brings to Fuel.

Moor introduces USDM, a new over-collateralised stablecoin backed by real and trusted assets like ETH, USDC, and stFUEL. With Moor, users can keep their assets, borrow against them, and use that borrowed liquidity across Fuel DeFi all without selling anything.

And because Moor is designed to become a core financial primitive in the Fuel ecosystem, its security is treated with the highest priority. The protocol follows rigorous audit standards, with multiple layers of review performed by Safe Edges, one of Fuel’s closest and most trusted security partners. Safe Edges’ team of industry-leading blockchain security experts ensures that Moor’s borrowing engine, collateral logic, and liquidation mechanics are reviewed with world-class precision. This gives users and builders confidence that Moor is not only powerful but also protected by top-tier security engineering.

Let’s break this down in the simplest way possible.

What Is Moor?

Moor is a borrowing and liquidity engine built specifically for the Fuel blockchain.

Think of it as:

  • A vault where you can deposit your crypto
  • A system that lets you borrow stablecoins (USDM) against your deposit
  • A way to make your assets more useful without selling them

You lock assets → system checks value → you mint USDM → you use USDM freely.

This is how DeFi borrowing works on chains like Ethereum, and now Fuel has its own version, powered by Moor.

Why People Need Something Like Moor

Without a borrowing engine, your crypto just sits in a wallet.

With Moor, your assets become productive:

  • You can earn yield
  • You can borrow without selling
  • You can use the borrowed stablecoin in DeFi
  • You stay exposed to your original assets (ETH, stFUEL, etc.)

This makes DeFi more flexible and increases activity across the whole Fuel ecosystem.

What Is USDM? (Fuel’s New Stablecoin)

USDM is the stablecoin that Moor lets you mint.

It is over-collateralised, which means the value backing each USDM is more than 1:1.
For example:

  • To mint 100 USDM, you may need to lock $150 worth of ETH or stFUEL.

// Moor: borrowing engine (Fuel)
// ---------------------------------
// Purpose:
// Moor allows users to lock high-quality collateral and mint USDM,
// a stable, over-collateralised token usable across the Fuel DeFi stack.
//
// Key assets accepted:
// - ETH : blue-chip collateral
// - USDC : stable, trusted reserve
// - stFUEL : yield-bearing staking derivative (keeps earning while deposited)
//
// Flow (simple):
// 1) User deposits collateral into Moor (ETH / USDC / stFUEL).
// 2) Moor stores collateral and calculates safe collateral ratios.
// 3) User mints USDM up to permitted loan-to-value (LTV).
// 4) USDM can be used in lending, DEX, vaults, and strategies.
// 5) If collateral value declines below maintenance ratio -> liquidation mechanism triggers.
//
// Benefits (one-liners):
// - Maintain exposure to original assets while unlocking liquidity.
// - Earn staking yield (when using stFUEL) and still borrow.
// - Provide a native, over-collateralised stablecoin (USDM) for builders.
// - Increase TVL and composability across Fuel protocols.

// Example scenario:
// // Alice has 10 stFUEL (worth $1000).
// deposit(stFUEL, 10)
// allowMint = computeMintLimit($1000, collateralFactor=0.66) // example CF
// aliceMints = mintUSDM(allowMint) // Alice now has liquid USDM to use across Fuel

What backs USDM?

USDM is backed by:

  • USDC — stable, trusted
  • ETH — strong, blue-chip collateral
  • stFUEL — Fuel’s staking token that earns yield

This combination gives USDM:

  • High stability
  • Strong collateral protection
  • Useful integrations in DeFi
  • Potential ecosystem-wide adoption

Why stFUEL Support Is a Big Deal

stFUEL is a yield-bearing token:
You stake FUEL → you receive stFUEL → stFUEL earns staking rewards.

Now Moor lets you:

  1. Deposit stFUEL
  2. Borrow USDM
  3. Use USDM across DeFi
  4. Still earn staking yield from the stFUEL you deposited

This creates a powerful loop:

  • You earn yield
  • You get extra liquidity
  • You stay exposed to FUEL
  • You can reinvest or use DeFi strategies

This is how DeFi becomes capital-efficient.

Where Can USDM Be Used?

Once you mint USDM, you can use it across the top Fuel protocols, including:

  • O2
    Money market where you can lend, borrow, and loop positions.
  • BakoSafe
    Secure vaults, multi-sig, and controlled storage for assets.
  • ReactorDEX
    One of the main DEXs on Fuel — trade or provide liquidity.
  • Microchain DLM
    Structured products and DeFi strategies built on Fuel.

This composability makes USDM useful from Day 1.

How Moor Helps the Entire Fuel Ecosystem

Moor isn’t just a standalone borrowing app.
It is a core financial infrastructure block for Fuel.

Here’s how it strengthens the ecosystem:

1. More Liquidity

People can mint USDM without selling ETH, USDC, or stFUEL.
This increases liquidity across all Fuel protocols.

2. Better Capital Efficiency

One asset now does multiple jobs:

  • Collateral
  • Yield
  • Borrowing power
  • Liquidity source

3. Stablecoin for Builders

Developers now have a safe, over-collateralised stable asset to integrate into:

  • Lending
  • Trading
  • Yield strategies
  • Payment systems

4. Stronger DeFi Flywheel

The more people use USDM, the more TVL and activity Fuel gets.
The more protocols integrate USDM, the stronger the Fuel DeFi loop becomes.

       +-------------------+
       |       Moor        |
       |  (borrowing eng.) |
       +-------------------+
         /     |       \
        /      |        \
      ETH     USDC     stFUEL
        \      |        /
         \     |       /
          ->  [ USDM ]  <-   <-- minted stablecoin (over-collateralised)
                    |
----------------------------------------------
|         |             |                    |

Lending DEX Vaults Money Markets / Strategies

Why Moor Stands Out (Compared to Other Chains)

Many chains have borrowing engines like MakerDAO on Ethereum.

But Moor is special because:

  • Fuel has parallel execution, so transactions are extremely fast
  • Fuel’s UTXO architecture avoids congestion
  • Fees are low
  • stFUEL can be used without complicated bridging
  • The system is built natively for Fuel, not ported from EVM

This makes Moor naturally optimized for high performance and smooth user experience.

Acknowledging Rig Labs

Rig Labs deserves credit for designing Moor with:

  • A strong technical foundation
  • Safe collateral management
  • Clear documentation
  • A long-term vision focused on Fuel’s growth

Their work is helping transform Fuel from “just a fast chain” into a complete, self-sustaining DeFi ecosystem.

Moor is not hype it’s a real financial primitive that Fuel needed to unlock the next phase of adoption.

Final Thoughts

Moor is bringing a real borrowing engine and a strong stablecoin (USDM) to Fuel.
This means:

  • More liquidity
  • More opportunities
  • More yield
  • More user-friendly DeFi
  • A stronger economy built around FUEL

With support for ETH, USDC, and stFUEL, Moor is positioned to become one of the most important protocols in Fuel’s DeFi landscape.

As Moor becomes a core financial layer powering Fuel’s DeFi economy, its reliability depends on rigorous security. Every mechanism from collateral validation to liquidation execution is protected through deep, expert-level auditing. The entire system is secured and continuously validated by Safe Edges, Fuel’s most trusted audit partner. With multi-layered code review, adversarial testing, and high-severity vulnerability analysis, Safe Edges ensures Moor operates safely, predictably, and at the highest security standards.

Because in DeFi, stability isn’t just backed by collateral
it’s backed by the strength of the security behind it.

At Safe Edges, we specialise in securing high-value protocols across the Fuel ecosystem and beyond. Our team consists of world-class smart contract auditors, top-ranked white-hat hackers, and experts trusted by leading Web3 brands. We combine advanced manual review, formal analysis, and deep edge-case testing to protect protocols from the most critical real-world attack vectors.

If you’re building on Fuel, Sway, or any blockchain platform and want to launch with confidence,
Safe Edges is your security partner.
Reach out to us for audits, consulting, threat modelling, or end-to-end security strategy and let us help you build safely at scale.

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