# What is Virtue? Virtue is a decentralized stablecoin protocol built on IOTA, enabling users to mint $VUSD by locking crypto assets into a secure, over-collateralized system. It offers a capital-efficient borrowing experience with predictable costs, while maintaining strong price stability for $VUSD. Whether you’re a long-term holder of IOTA ecosystem assets or a DeFi user looking for yield and leverage, Virtue is designed to support your goals. **Key highlights** * Borrow $VUSD using supported collateral like $IOTA and $stIOTA * Enjoy fixed, predictable fees with long-term cost efficiency * Benefit from liquidation by deposit $VUSD into Stability Pool. * Participate in arbitrage and flash strategies to enhance returns --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.virtue.money/overview/quickstart.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.