One rail is one point of failure
An appetite change, a policy upgrade or an outage at your only AUD provider stops your merchants collecting. Redundancy is the fix.
Payment Service Providers
A second AUD rail your merchants never notice.
PSPs, acquirers and fintechs run on provider redundancy. AUDD is a licensed Australian dollar rail you can run alongside the one you already have — named virtual accounts by merchant, local instant payments, minting and settlement, from one API.
How it slots in
- Route pay-ins
Merchants collect into named virtual accounts carrying their own reference. Attribution is automatic; your ledger stays yours.
- Settle merchants
Pay out in AUD on local rails, or settle in AUDD on-chain for merchants who want it.
- Fail over without a project
If your primary provider changes policy or has an outage, route to AUDD. Your merchants keep collecting.
Why PSPs move to AUDD
Single-provider dependency is a product risk.
Every PSP eventually learns that one banking relationship is a concentration risk — usually on the day it changes. A second licensed rail turns that day into a routing decision instead of an incident.
Sub-accounts without new banking
Named virtual accounts by merchant, product or region — without opening a bank account for each one.
Direct to the issuer
You contract with the licensed issuer of AUDD. There's no additional layer applying its own risk appetite on top of ours.
What you get
A rail that fits the one you have.
Built to run beside an existing provider, not to replace your ledger, your merchant experience or your integration patterns.
Named virtual accounts by merchant
Attribute every inbound payment to the right merchant automatically. Open and close accounts through the API.
Instant pay-in and pay-out
Collect and settle on Australia's instant payment rail, with Direct Entry for batches and RTGS or SWIFT on approval.
Settle in AUD or AUDD
Pay merchants out on local rails, or settle on-chain for the ones who want programmable AUD.
Webhooks and reconciliation feeds
Real-time events and structured reporting designed to feed a PSP ledger, not replace it.
White label issuance
Offer an AUD-denominated digital currency under your own brand, on AUDC's regulated infrastructure.
Sandbox and one API
Build against the sandbox, go live on the same RESTful API for pay-in, pay-out, mint, burn, balances and reporting.
How it works
From merchant pay-in to settlement.
- STEP 01
Collect
Merchant customers pay into named virtual accounts on local rails.
- STEP 02
Attribute
Every payment arrives carrying the merchant reference; your ledger updates by webhook.
- STEP 03
Settle or mint
Pay the merchant out in AUD, or mint AUDD for on-chain settlement.
- STEP 04
Fail over
Route flows to AUDD when your primary rail is unavailable — no merchant-side change.
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 PSPs ask us
Straight answers.
Can we run AUDD alongside our existing provider?
Yes — that's the design. Route some or all merchant flows to AUDD, keep your existing provider for the rest, and change the split without a merchant-side change.
Does the merchant experience change?
No. Merchants pay into a named virtual account the same way they would any bank account. Attribution, reporting and settlement run through your platform as they do today.
How are virtual accounts structured?
By merchant, product, region or any hierarchy you choose. Open and close them through the API; every payment carries the account's reference.
What does the compliance review cover?
Business verification and beneficial ownership, your licences and registrations, your merchant onboarding and monitoring program, sanctions screening, and how you handle source of funds. We assess your controls, not your merchant mix.
How fast is settlement?
Instant Payments (NPP) settle in near real time. Direct Entry settles across business-day batch windows. RTGS and international SWIFT payments are available with prior approval. See all settlement times.
Can we white-label it?
Yes. Issue and operate an AUD-denominated digital currency under your own brand, on AUDC's regulated infrastructure. Talk to our team about the structure.
Add a rail before you need one.
Bring us your pay-in and pay-out flows. We'll show you what redundancy looks like on named virtual accounts, and be clear about what we can support.
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.