Bima lets users deposit liquid staked Bitcoin, mint the USBD stablecoin, and pursue yield across multiple chains.
Frankencoin
Frankencoin provides an on-chain Swiss franc stablecoin that users can mint, save, earn yield with, or use for payments.
About Frankencoin
Frankencoin (ZCHF) is an on-chain Swiss franc stablecoin that tracks the value of the Swiss franc at 1:1. It is described as decentralized and over-collateralized, with its value backed by on-chain collateral that can be liquidated rather than by a central issuer. It is deployed across 8 blockchains. Users can borrow ZCHF by depositing crypto collateral, save and earn market-based yield through the protocol's savings module or DeFi applications, and make payments in Switzerland and online. The site also describes Frankencoin Shares (FCS) as a governance and share token for equity participation and time-weighted voting. The homepage states compliance with Swiss law and MiCAR.
Payment and banking features rely on third-party partners and services, including Spar, GnosisPay, Mt Pelerin, and PrivCart. Yield is market-based and not guaranteed. Merchants using crypto checkout remain responsible for their own compliance obligations. Pricing information is not provided on the homepage.
Key features
- Swiss franc stablecoin tracking CHF 1:1, deployed across 8 blockchains
- Borrow ZCHF by depositing crypto collateral while maintaining asset exposure
- Earn market-based yield via protocol savings vault and DeFi apps
- Pay at over 100 Spar stores in Switzerland, with fees described as lower than card/Twint
- Frankencoin Shares (FCS) for equity participation and time-weighted governance
- Integrate as programmable Swiss franc layer for apps and financial services
Best for: Individuals and businesses seeking a decentralized Swiss franc stablecoin for borrowing, saving, making payments, or building on-chain financial services.
Good for
- Decentralized and over-collateralized: value backed by on-chain collateral, not an issuer guarantee.
- Deployed on 8 blockchains and used for payments, borrowing, and yield.
- Homepage states live since 2023 with no significant peg deviations.
Watch out for
- Yield is market-based and not guaranteed; comes from DeFi applications.
- Payment and banking features depend on third-party partners and services.
- Merchants using crypto checkout remain responsible for their own compliance obligations.
Frankencoin at a glance
- Website
- frankencoin.com
- Category
- Crypto & Blockchain › DeFi Protocols
- Type
- Website
- Pricing
- Not confirmed. Check the site
- Platforms
- Web
- Open source
- Not stated
- Last checked
- Oct 6, 2026 · Online when checked
- Listed
- Oct 5, 2026
Frankencoin alternatives
Tools and sites you could use instead, ranked by how closely they match.
Veda provides on-chain vault infrastructure for enterprise earning products, including savings accounts, indexes, and yield-bearing stablecoins.
RIF On Chain offers a Bitcoin-based dollar-pegged stablecoin for payments, savings, and transfers, plus a leveraged token for RIF holders.
BitU combines a CeDeFi trading platform with the BITU yield-embedded stablecoin, which users can mint, stake, or trade.
ether.fi combines crypto, tokenized stock, and metal accounts with earning, borrowing, payments, trading, and transfer features.
Upshift offers vaults for earning DeFi yield on stablecoins and crypto, including strategies that allocate stablecoins across DeFi opportunities.
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Frankencoin FAQ
What is Frankencoin?
Frankencoin (ZCHF) is an on-chain Swiss franc stablecoin that tracks the value of the Swiss franc at 1:1 and is deployed across 8 blockchains. It is over-collateralized and backed by on-chain collateral rather than an issuer guarantee.
How can users earn yield on ZCHF?
Users can deposit ZCHF into the protocol's savings vault for market-based yield. The homepage also mentions yield opportunities through DeFi protocols like Morpho for lending and Curve for liquidity provision.
Where can Frankencoin be used for payments?
The homepage lists payments at over 100 Spar stores in Switzerland, via debit cards through GnosisPay, and through IBAN integration with Mt Pelerin for bank transfers and QR bills.
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