# Design templates

> Compare M0's stablecoin extension models to find the right monetization strategy and deployment chain for your use case.

M0 provides powerful, battle-tested templates to get you to market faster. These models are audited and have been used by dozens of builders for the most common use cases. Each one offers a different approach to handling the underlying rewards generated by eligible collateral, giving you the flexibility to build the exact product you need.

<tabs>
<tabs-item label="EVM Models">
<card icon="i-lucide-piggy-bank" title="MYieldToOne" to="/build/treasury-model">

## Treasury Model

**For US / Regulated Issuance**

All accrued rewards flow to a single designated treasury wallet. Simple, direct, and easy to reason about.

**Good for:** Loyalty programs, B2B payment products, treasury management tools.

Creates an ERC-20 token backed 1:1 by eligible collateral. All rewards are claimed by calling `claimYield()`, which mints new tokens to a single designated recipient.

- **Rewards Claiming:** Anyone can call `claimYield()` to mint accumulated rewards to the configured recipient.
- **Access Control:** Role-based permissions for managing the recipient address and freezing accounts.
- **Source Code:** `MYieldToOne.sol`

</card>

<card icon="i-lucide-rocket" title="JMIExtension" to="/build/treasury-jmi-overview">

### Multi-Collateral Model

**Just Mint It - For Offshore Issuance**

JMIExtension inherits all the functionality of MYieldToOne - rewards flow to a single treasury wallet - with one important addition: users can mint your stablecoin extension instantly against whitelisted stablecoins such as USDC and USDT. This makes onboarding significantly faster and simpler for end users.

**Good for:** Offshore stablecoin launches where frictionless user onboarding is a priority.

- **Instant Minting:** Users mint your stablecoin directly against whitelisted stablecoins (USDC, USDT, DAI).
- **Configurable Caps:** Set per-collateral limits to manage risk.
- **All MYieldToOne Features:** Inherits rewards claiming, access control, and freezing capabilities.

</card>
</tabs-item>
</tabs>

<tabs-item label="SVM Models">
<card icon="i-lucide-piggy-bank" title="NoYield" to="/build/svm-noyield-guide-overview">

## Treasury Model

Creates a stablecoin backed 1:1 by eligible collateral on Solana. The admin claims all accumulated rewards via the `claim_fees` instruction.

**Good for:** Protocol treasuries and ecosystem funds on Solana.

- **Yield Claiming:** Only the admin can call `claim_fees` to mint accumulated rewards to a chosen recipient.
- **Token Standard:** Uses Token-2022 (or legacy Token Program for compatibility).
- **Source Code:** [solana-m-extensions](https://github.com/m0-foundation/solana-m-extensions)

</card>
</tabs-item>

::

## Choosing Your Path

1. **Choose your issuance geography:**
  - **US / Regulated** → Treasury Model (`MYieldToOne` )
  - **Offshore** → Multi-Collateral Model (`JMIExtension` - recommended, or `MYieldToOne` )
2. **Choose your chain** based on your ecosystem:

  - **EVM chains** for Ethereum, Base, Optimism, and other supported L2s.
  - **SVM chains** for Solana, Fogo, or other SVM-compatible networks.
3. **Review implementation details** by reading the deep-dive documentation for your chosen implementation.

Ready to build? Check out the deployment guides linked above to get started.