what's Universal Private Dollar?

UPD is a decentralized, permissionless stablecoin protocol designed as a privacy-first dollar alternative, pegged 1:1 to USD. It uses over-collateralization with stETH for transparent, verifiable reserves, enabling fully on-chain minting, redemption, and DeFi composability. Native privacy allows users to selectively shroud transaction details—sender, receiver, amounts, or balances—while maintaining auditability. The system features sUPD, a liquid vault share token that accrues real yield from basis trades and stETH staking rewards (0-0% APY range), convertible to UPD without emissions-based incentives. Upcoming enhancements include yielding UPD directly and card integrations for spending, prioritizing unstoppable access and financial sovereignty.