# 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