# Collateral Pool (Backing Assets)

The Collateral Pool consists of curated onchain strategies and assets. Through [Accountable](https://yuzu.accountable.capital/), it is verified in near real-time that yzUSD is backed by >$1 of assets.

* When the Backing’s NAV exceeds the amount required to maintain full backing, the surplus (excess NAV) is transferred to the Reserve Fund.
* Conversely, any NAV shortfall is covered from the Reserve Fund.
* “Excess” or “shortfall” refer to deviations from the value needed to keep each yzUSD fully backed at US$1.


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