15 Januari 2026
Mezo, the bankless Bitcoin financing platform developed by Thesis*, a leading venture studio that supports brands on Bitcoin builds, today announced its Mainnet launch. As the industry’s first full Bitcoin economy, Mezo allows users to unlock the practical utility of Bitcoin without having to sell it. Powering Mezo’s economy is MUSD, the first fully Bitcoin-backed stablecoin, which provides users with instant spending capabilities using Bitcoin as collateral.
Mezo enables Bitcoin holders to conduct everyday financial transactions without the need for banks as intermediaries. Immediately, users can use Bitcoin as collateral to mint and spend MUSD within various decentralized applications (dApps) in the Mezo ecosystem. Without sacrificing their assets, they can gain access to credit and fixed MUSD loans against Bitcoin. Notably, Mezo sets a new standard in affordability for lending and borrowing, with a flat 1% interest rate on MUSD loans, compared to regular Bitcoin lending rates of 5% to 20% APR.
Matt Luongo, CEO of Thesis* and co-founder of Mezo, made a big statement on this day: “After a decade of building on Bitcoin, I’ve learned one thing: people don’t want to spend their BTC – they want to earn more. Bitcoin is better money. You spend fiat, you save in BTC. The problem is that holders don’t have many options to use their Bitcoin without giving it up. Mezo changes that. With Mainnet live, I can park my BTC, access a line of credit, and live my life – from morning coffee to a new home. This is what being your own bank was always meant to be. It finally allows HODLers to have their cake and eat it too.”
Mezo’s Mainnet launch follows a successful Testnet phase that began in November 2024. This phase saw impressive community participation, with over $322 million in total stablecoin deposits, including USDe/USDT/USDC and wrapped Bitcoin currencies such as WBTC, tBTC, SolvBTC, and cbBTC; $1,8 billion in MUSD borrowed; and 154.000 transactions.
Brian Mahoney, co-founder of Mezo, emphasized the importance of ease of use, saying, “To make Bitcoin financing mainstream, people need to stop thinking about slippage, transaction fees, bridging, and other inconveniences. With Mezo, the goal is to abstract away the complexity on the blockchain and unlock real use cases for the Bitcoin financing experience. This will allow both institutions and developers to harness the next generation of Bitcoin financing users.”
Key technological upgrades to Mezo will include Tigris, the native incentive engine designed to drive flexible, scalable rewards and strengthen long-term participation in the ecosystem. Tigris will ignite Mezo’s validator rewards, the flow of protocol revenue, and a system for distributing, tracking, and managing the flow of funds within Mezo’s Bitcoin economy.
Additionally, Mezo is launching a partnership with Lolli, a leading rewards platform that enables over 600.000 users to earn free Bitcoin and cashback rewards on everyday purchases and mobile games. This partnership will unlock new ways for users to earn, spend, and interact with Bitcoin by integrating Lolli rewards directly into the Mezo ecosystem and will also support Lolli’s international expansion, creating new opportunities for global users.
Alex Adelman, founder and CEO of Lolli, said: “The partnership with Mezo is an important step forward in our mission to make bitcoin a seamless part of everyday life by creating intuitive, easy-to-use experiences. Over the past seven years, Lolli has enabled over 600.000 users to effortlessly earn bitcoin on everyday purchases and mobile games. Together with Mezo, we’re excited to create new ways for people everywhere to save, earn, and live with bitcoin and be part of an economy powered entirely by bitcoin.”
With Mezo’s launch today, the “Maynet” campaign begins. Over the coming months, Mezo will roll out additional updates to its product and unveil new partnerships. Through educational content, users will learn about new MUSD applications and how to earn rewards through various dApps on the Mezo marketplace. Mezo’s other ecosystem partners include projects within decentralized finance (DeFi), SocialFi, and interoperability, such as:
This year, Mezo will continue to build on technological updates and partnerships to further the productivity of Bitcoin as a capital asset. Beyond 2025, Mezo will continue to create opportunities for both retail and institutional users to enter the next phase of personal banking without the need for bank access, unlocking the true value of Bitcoin to maximize personal well-being.
What is Mezo and what makes it special?
Mezo is a bankless Bitcoin financing platform that allows users to use Bitcoin without having to sell it. It offers direct spending options to Bitcoin holders with low borrowing costs using the MUSD stablecoin.
How is Mezo different from other Bitcoin platforms?
Mezo stands out through its offering of MUSD, the first fully Bitcoin-backed stablecoin, and its focus on reducing the cost and complexity of using Bitcoin for everyday transactions.
What are Mezo's plans for the future?
Mezo will be launching technology updates and new partnerships in the coming months, as well as providing educational content on how users can leverage their MUSD and earn rewards through partners within the ecosystem.
Bitcoin (BTC)
Ethereum (ETH)
XRP (XRP)
