What AUDC does

AUDC Pty Ltd is an Australian fintech company that issues AUDD, a regulated Australian dollar-pegged stablecoin fully backed 1:1 by Australian dollar reserves held in segregated bare trust at Australian Authorized Deposit-taking Institutions (ADIs). Founded in 2022 and headquartered in Melbourne, AUDC operates under Australian Financial Services Licence (AFSL) 700123 granted by ASIC in February 2026, and in March 2026 ASIC authorized AUDD as the first government-licensed Australian-dollar financial instrument directly on-chain on the XRP Ledger. The company also operates in New Zealand through wholly-owned subsidiary NZDC Limited, which issues the NZDSC New Zealand dollar stablecoin for Trans-Tasman settlement use cases. AUDC serves Australian fintechs, money services businesses, commercial solutions providers, individual retail users, remittance providers, Web3 developers, enterprise Merchants, and Distributors, with marquee partnerships including Coinbase (global retail listing) and Stellar Development Foundation (primary network partner).

The company's technology platform is blockchain-agnostic, with AUDD natively deployed across eight networks: Ethereum (ERC-20), Stellar, XRP Ledger, Solana, Hedera, XDC Network, BASE, and Redbelly Network. The platform architecture includes a white-label Stablecoin-as-a-Service (SaaS) layer for token creation, transaction processing, and lifecycle management, supported by modular Wallet-as-a-Service (WaaS) and Compliance-as-a-Service (CaaS) components, and Named Virtual Accounts for fiat payment rails. Reserves are independently attested by William Buck (19 consecutive attestations), with no rehypothecation or proprietary use of funds. As of February 2026, AUDD had processed more than $1.4B in payments volume on Stellar alone, with cumulative platform transaction volume exceeding $2B by June 2026.

AUDC generates revenue through transaction fees on minting/burning and conversions, subscription and usage-based fees on the AUDD Mint B2B platform, trading fees and embedded spreads on the Asset Trading Service, managed services revenue from white-label tokenization deployments, and interest/referral income on reserves. Pricing is quote-based rather than publicly tiered. The go-to-market is hybrid: self-serve AUDD Digital platform for retail and SMB, direct sales for B2B Distributors and Merchants, and partnership-driven distribution through Coinbase and integrated wallets. The company is privately held; Novatti Group Limited holds approximately 45% non-controlling interest, and AUDC raised a US$5M Pre-Series A in December 2025 led by InWelt Holdings AG.

Name

AUDC

Legal name

AUDC Pty Ltd

Website

https://audd.digital

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

AUDC Pty Ltd is a Melbourne-based Australian fintech that issues AUDD, a regulated 1:1 AUD-backed stablecoin operated under ASIC AFSL 700123 across eight blockchains, serving fintechs, money services businesses, enterprises, and retail users with payments, settlement, and white-label tokenization services.

Ownership category

akta.pro rank

Product category

Stablecoin and Tokenization Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Securities and Commodity Exchanges (5232), Securities and Commodity Exchanges (523210)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)

akta.pro primary industry

Stablecoin Issuers (Fiat-Backed) (FSADADAA)

akta.pro secondary industries

Mint/Redeem, Issuance APIs & Treasury Operations Platforms (FSADADAE), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG)

Keywords

• AUD stablecoin issuance
• Tokenization-as-a-service
• Blockchain payment rails
• Regulated digital currency
• Cross-border settlement

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Stablecoin-as-a-Service / Minting & Conversions: Revenue from AUDD conversion (minting) and reverse-conversion (burning) services for approved Clients on the AUDD Mint platform, with fees, charges, costs, spreads and other amounts disclosed in the Commercial Letter of Offer, PDS or platform. AUD is converted into AUDD and credited to Wallets; AUDD can be burned back to AUD.
2. Platform subscription / service fees: Recurring and usage-based fees on Core Platform Services, Blockchain Services, Customer Wallet Services, and add-on Modules (Third Party Payments, CaaS, WaaS, Asset Trading) for Distributors and Merchants. AUDC provides 7 days' prior notice of fee variations.
3. Asset Trading Service fees & spreads: Trading fees, embedded spreads, exchange/broker/liquidity provider/market maker fees, custody/settlement fees, network fees, and FX/conversion costs earned on spot and limit order Digital Currency trades executed on the platform.
4. White-label tokenization SaaS (B2B): Software-as-a-Service offering for businesses to create and manage digital tokens on multiple blockchain networks as a managed, enterprise-grade infrastructure layer, with associated professional/managed services revenue.
5. Interest, earnings and referral income on reserves: To the maximum extent permitted by law, AUDC retains any interest, earnings, benefits, rewards, rebates or other amounts derived from Reserve Accounts, Settlement Accounts and other operational accounts, and may receive referral fees/commissions from third parties in connection with its financial products and services.

Pricing tiers

Go-to-market motion5 records

Distribution channels7 records

Marketing channels8 records

Core offering

AUDC issues AUDD, a regulated 1:1 AUD-backed stablecoin, and provides a tokenization-as-a-service platform for enterprises. Distribution combines the B2B AUDD Mint issuance platform and white-label Stablecoin-as-a-Service modules (WaaS, CaaS) with the consumer-facing AUDD Digital wallet. Revenue is generated from mint/redeem fees, white-label SaaS subscriptions, an Asset Trading Service, and interest earned on segregated fiat reserves.

Differentiator

Problem solved

Functional benefit

Brands

• AUDD: Australian Digital Dollar — AUD-pegged stablecoin issued by AUDC Pty Ltd, available across multiple blockchains (Stellar, XRP Ledger, Ethereum, Solana, Hedera, XDC Network, BASE, Redbelly).
• NZDSC

Quantifiable outcome

• $1B+ in organic on-chain transactions on Stellar after three years of live operations
• +5 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature8 records

Partnerships

22 partnerships are on record, tiered core (ecosystem/grant partner), core (incubator/45% shareholder), flagship (global retail distribution), flagship (primary network & ecosystem partner), core (regulatory milestone network), core (multi-chain deployment), core (industry body member), core (regulatory/consumer protection member), core (wallet integration), core (xrpl wallet integration), core (multi-wallet & exchange coverage), core (regional expansion) and core (industry association member).

• Reserve Bank of New Zealand & 13 New Zealand politicians/regulatorsOthers · 9 June 2026
• XDC Networkcore (ecosystem/grant partner)Strategic or Co-development Partner · 6 April 2026XDC Network is collaborating with AUDC's AUDDapt grant program to help Australian SMEs adopt blockchain-based digital payments using the AUDD stablecoin, with XDC's blockchain infrastructure powering faster, cheaper cross-border transactions.
• Novatti Group Limitedcore (incubator/45% shareholder)Strategic or Co-development Partner · 11 February 2026Novatti Group Limited holds approximately 45% non-controlling interest in AUDC. The AFSL grant highlighted the value created by Novatti's incubation of AUDC, with its interest revalued to $16M following the Pre-Series A round (up from A$7M after Seed). Mark Healy is Novatti CEO.
• Coinbaseflagship (global retail distribution)Strategic or Co-development Partner · 18 November 2025Strategic partnership with Coinbase to support global access to AUDD, and AUDD became the first Australian Dollar stablecoin listed on Coinbase's global retail platform. Drives distribution, liquidity and global brand visibility for AUDD.
• Stellar Development Foundationflagship (primary network & ecosystem partner)Strategic or Co-development Partner · 18 November 2025Stellar is the core operational network for AUDD, with Jose Fernandez da Ponte (SDF President & CGO) publicly endorsing the milestone of $1B+ in organic AUDD transactions. AUDC leverages Stellar's fast settlement and ultra-low cost for real-world stablecoin use cases.
• Ripple / XRP Ledgercore (regulatory milestone network)Technology or IntegrationAUDD is natively deployed on the XRP Ledger, and ASIC authorisation under AFSL 700123 made it the first government-licensed Australian-dollar financial instrument directly on-chain on XRPL. AUDC has been positioned as a regulated payment instrument on XRPL.
• Ethereum Foundation / Ethereum ecosystemcore (multi-chain deployment)Technology or IntegrationAUDD is available as an ERC-20 token on the Ethereum blockchain (contract 0x4cce605ed955295432958d8951d0b176c10720d5). The audd.digital site links to etherscan.io for transparency.
• Solana Foundationcore (multi-chain deployment)Technology or IntegrationAUDD is natively deployed on the Solana blockchain (address AUDDttiEpCydTm7joUMbYddm72jAWXZnCpPZtDoxqBSw), expanding AUDD's reach to Solana-based exchanges and DeFi platforms.
• Hedera Hashgraphcore (multi-chain deployment)Technology or IntegrationAUDD is deployed on the Hedera network (contract 0x39ceba2b467fa987546000eb5d1373acf1f3a2e1), providing institutional-grade, hashgraph-based infrastructure for AUDD transactions.
• BASE / Coinbase's L2core (multi-chain deployment)Technology or IntegrationAUDD is deployed on the BASE Network (address 0x449B3317a6d1efb1Bc3ba0700C9EaA4FFFf4Ae65), extending access to Coinbase's L2 ecosystem.
• Digital Economy Council of Australia (DECA)core (industry body member)GTM or Marketing PartnerAUDC is a member of DECA, which hosted the 2025 Blockies awards where AUDC won Start-Up/Scale-Up of the Year. DECA provides industry advocacy, events and standards engagement for the Australian digital economy.
• Stablecoin Standardcore (industry body member)GTM or Marketing PartnerAUDC is a member of the Stablecoin Standard, an industry body promoting best practices and standards for stablecoin issuers globally.
• Australian Financial Complaints Authority (AFCA)core (regulatory/consumer protection member)OthersAUDC is a member of AFCA, providing external dispute resolution and consumer protection for Australian financial services customers, and is registered with AUSTRAC.
• Australian Transaction Reports and Analysis Centre (AUSTRAC)Others
• MetaMaskcore (wallet integration)Technology or IntegrationMetaMask wallet is listed on the AUDD ecosystem page as a supported integration, enabling users to store, send and receive AUDD via the popular self-custody wallet.
• HashPackcore (xrpl wallet integration)Technology or IntegrationHashPack, a leading XRP Ledger wallet, is listed on the AUDD ecosystem page, supporting AUDD on XRPL.
• StellarX, Lobstr, StellarTerm, Aquarius, Beans, LocalCoinSwapcore (multi-wallet & exchange coverage)Technology or IntegrationMultiple Stellar-ecosystem wallets and exchanges (StellarX, LOBSTR, StellarTerm, Aquarius, Beans, LocalCoinSwap) are listed on the AUDD ecosystem page, supporting AUDD access and trading on Stellar.
• Reserve Bank of Australia (RBA) & DFCRC (CBDC Stablecoin Pilot)Others
• Monetary Authority of Singapore (MAS) - DESFT Cross-Border Trade PilotOthers
• Project Acacia (RBA)Others
• NZDC Limited (wholly-owned subsidiary)core (regional expansion)Strategic or Co-development PartnerAUDC's wholly-owned subsidiary NZDC Limited launched the NZDSC (NZDC) New Zealand dollar stablecoin, extending AUDC's regulated digital currency platform into New Zealand.
• Australian FinTechcore (industry association member)GTM or Marketing PartnerAUDC is a member of the Australian FinTech organization, an industry body representing Australia's fintech sector, providing networking, advocacy and exposure.

Scale indicators12 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Paxos: Regulated US trust that issues fiat-backed stablecoins (USDP, PAXG) and provides tokenization-as-a-service infrastructure (Paxos Cloud) for enterprises. Directly comparable to AUDC on the regulated-issuer and B2B tokenization-platform dimensions.
• Monerium: Iceland/EU-licensed e-money institution that issues regulated e-money tokens on public blockchains (initially on Ethereum, expanding to other chains). Comparable to AUDC in combining a regulated financial institution license with multi-chain tokenized money for B2B settlement and payouts.
• Circle: Issuer of USDC, the leading regulated, fiat-backed, multi-chain USD stablecoin. Circle is the closest direct analogue to AUDC in operating model — licensed, reserve-backed, multi-chain issuance plus a B2B platform (Circle APIs) for developers and enterprises — and the benchmark AUDC is competing with for regulated stablecoin distribution.
• StraitsX (Xfers): Singapore-based MAS-regulated issuer of XSGD, a Singapore dollar stablecoin, with a B2B platform for tokenization and payments. Closely comparable to AUDC as a regionally regulated, multi-chain, fiat-pegged stablecoin issuer in the Asia-Pacific corridor.
• Stably: Issuer of fiat-backed stablecoins (e.g., USDS) and provider of a stablecoin-as-a-service platform (Primus) for enterprise token issuance. Directly comparable to AUDC's combined stablecoin issuance plus white-label tokenization SaaS offering.
• TrueGlobal (TrueAUD): Issuers of TrueAUD, a competing Australian dollar-pegged stablecoin. As a direct AUD counterpart, TrueAUD is the most locally comparable peer and represents the primary head-to-head competitor for AUD-denominated on-chain volume in the Australian market.
• GMO Internet Group (GYEN / ZUSD): Japanese internet conglomerate that issues GYEN (JPY-pegged) and ZUSD (USD-pegged) regulated stablecoins. Comparable to AUDC as a licensed, fiat-pegged stablecoin issuer operating in a non-USD fiat currency, with similar regulatory-first positioning in Asia.

Broad incumbents

• Tether (USDT): Issuer of USDT, the largest stablecoin by circulating supply and transaction volume. Functions as a broad incumbent that sets the competitive baseline for liquidity, venue listings and cross-border use — and the dominant incumbent AUDC must compete against for cross-border AUD-settled flows.

Emerging players

• Reserve: Stablecoin issuance and reserve-management infrastructure (RSV, RSR) targeting fiat-pegged multi-chain stablecoins for emerging-market use cases. Comparable to AUDC as a multi-chain, fiat-backed stablecoin platform with a focus on real-world payments and remittance.
• Alchemy Pay: Singapore-based crypto payment gateway enabling merchants to accept and settle in stablecoins and fiat. Comparable to AUDC's B2B payments and on/off-ramp use cases (especially via Named Virtual Accounts), with partial overlap on cross-border settlement positioning.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/AUDD_digital

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries1 record

Funding overview

Funding rounds7 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AUDC