> Named virtual accounts, local payments connectivity and white label AUD issuance for banks, lenders and neobanks — without building an issuer. Source: https://www.audd.digital/financial-institutions/ ◈ Financial Institutions # Stablecoin infrastructure for institutions that already hold a licence . Banks, non-bank lenders, credit unions and neobanks want to offer digital dollar capability without building an issuer. AUDD gives you named virtual accounts, local payments connectivity and — where you want it — Australian dollar stablecoin issuance under your own brand, on regulated infrastructure. [Talk to our team Talk to our team](/contact-us/) [Read the API docs → (opens in a new tab)](https://devhub.audd.digital/) Three ways in 1 ConnectNamed virtual accounts and local payments connectivity on Australian rails, through one API. 2 DistributeOffer AUDD to your customers for settlement, treasury or on-chain use, with the issuer behind it. 3 IssueOperate an AUD-denominated digital currency under your own brand, on AUDC's licensed infrastructure. ◈ Why institutions build on AUDD ## Build on an issuer, not into one. Standing up a stablecoin issuer means licences, reserve structures, attestation, custody and a token on nine chains. Building on one means an integration. The regulatory posture is the difference. ### Time to market Digital dollar capability on existing, operating infrastructure — not a multi-year build with a licence application at the end of it. ### Regulatory posture You keep your licences; we hold ours. AUDC issues under AFSL 700123. Distribution services are provided by its subsidiary, Dexah Advisory Pty Ltd (trading as AUDD Digital), registered with AUSTRAC (Registration No. DCE100737894-001). Your customers see your brand. ### Reserve transparency AUD cash or cash equivalents on bare trust, independently attested and published — reporting your risk committee can review. ◈ What you get ## Infrastructure, not a product to resell. The components an institution needs to offer digital dollars under its own brand, with the issuer's regulated infrastructure underneath. ### White label issuance Issue and operate an Australian dollar digital currency under your brand, on AUDC's regulated infrastructure. ### Named virtual accounts Attributed AUD collection by customer, product or program, opened and managed through the API. ### Local payments connectivity Instant Payments and Direct Entry in Australia, with RTGS and SWIFT on approval. ### Direct issuer relationship One licensed counterparty for issuance, settlement and redemption. No intermediary between your institution and the reserve. ### Attestation and reporting Reserve attestation, transparency reporting and transaction-level data through the API for your risk and audit functions. ### One RESTful API Payments, mint and burn, multichain routing and ledger management from a single integration, with a sandbox to build against. ◈ How it works ## From scoping to launch. STEP 01 ### Scope Define the use case — connectivity, distribution or white label — and the entities involved. STEP 02 ### Integrate Build against the sandbox on one API, with a named integration contact. STEP 03 ### Pilot Run a controlled cohort with full reporting to your risk and compliance functions. STEP 04 ### Launch Go live under your brand, on regulated infrastructure. ◈ How we onboard Services are subject to approval and a client agreement. You remain responsible for any licences or approvals your business needs. ## We assess your controls, not your category. We've been running Australian payment infrastructure since 2022. Regulated digital finance isn't an exception we make room for — it's the customer the platform was built around. Here's the actual path. Application ### Tell us how money moves Where AUD comes in, where it goes, expected corridors and chains, and the entities involved. This is a commercial conversation, not a form to survive. Compliance review ### KYB and your AML/CTF program Business verification, beneficial ownership, licence and registration position, and a look at your KYC, sanctions screening and transaction monitoring. Strong controls are what get a yes. Commercials ### Terms, then a named contact A standard agreement with clear fees, then an integration contact who stays with you rather than a ticket queue. Integration ### Sandbox, then go live Build against the sandbox with our integration guide, or start with no code at all if you would rather send against a reference. Your first transfer carries a standard 24-hour security and compliance check. AFSL 700123 AUSTRAC registered since 2022Dexah Advisory (t/a AUDD Digital) ISO 27001 Reserves held on trust Redeemable at par ◈ Questions institutions ask us ## Straight answers. What does white label actually mean here? Your brand on the token and the customer experience. AUDC's licence, reserves, attestation and infrastructure underneath. We can walk through the structure and the division of responsibilities in detail. Who holds the reserves? AUDC, on bare trust for holders as AUD cash or cash equivalents, never re-hypothecated, independently attested. Reporting is published on our transparency page. Do you offer a New Zealand dollar product? Yes. NZDSC is issued by NZDC Limited, a wholly owned subsidiary of AUDC. Availability is coming soon. Get in touch with our team to talk about how it could fit your needs. How does the compliance split work? You remain responsible for your customers and your obligations; AUDC remains responsible for issuance, the reserve and the token. We document the division clearly before anything goes live. What does integration involve? One RESTful API covering payments, mint and burn, multichain routing and ledger management, with a sandbox, an integration guide and a named contact. Do we need to be an ADI? No. We work with banks, non-bank lenders, credit unions, neobanks and other licensed institutions. Each engagement is assessed on the institution's licence position and controls. ## Offer digital dollars without becoming an issuer. Tell us which of the three paths fits — connect, distribute or issue — and we'll walk through the structure and the materials your risk committee will want. ## What can we do for you? Tell us your industry and a little about what you're looking for. A member of our team will be in touch to discuss how AUDC can help. Full nameBusiness emailCompany Industry Select Crypto Exchanges & OTC Money Services & Remittance Institutional, Funds & Wealth Payment Service Providers FX & CFD Brokers Web3, Gaming & Creators Treasury & Tokenised Assets Financial Institutions Other Other industry Interested in Select AUDD Stablecoin NZDSC Stablecoin AUDD Mint White Label Payments (Receive, Send & Manage) Virtual Accounts Local Payments Connectivity AUDD Direct (No Code) Enterprise API Other / General Enquiry Leave this field empty Submit enquiry Submit enquiry