Time to market
Digital dollar capability on existing, operating infrastructure — not a multi-year build with a licence application at the end of it.
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.
Three ways in
- Connect
Named virtual accounts and local payments connectivity on Australian rails, through one API.
- Distribute
Offer AUDD to your customers for settlement, treasury or on-chain use, with the issuer behind it.
- Issue
Operate 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.
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.