USDU - Value Flows,
‍Opportunity Expands.

Why Institutions Choose USDU

USDU is a USD-backed stablecoin issued by Universal Digital Intl Limited, purpose-built for institutional settlement within the UAE’s regulated digital asset framework - combining ADGM-regulated issuance with Central Bank-registered foreign payment token status.

Regulated
& Trusted

Regulated issuer under ADGM FSRA (Fiat-Referenced Token)
First and only registered Foreign Payment Token under CBUAE PTSR
Purpose-built for institutional workflows

Fully Liquid
& 1:1 Backed

Backed 1:1 with USD liquid reserves
Held with regulated UAE banks
Designed for consistent, dependable settlement

Global
& Interoperable

Issued as an ERC-20 token on Ethereum
Interoperable by design, expanding to more chains over time
Built to integrate into institutional infrastructure and cross-venue workflows

Transparent
& Secure

Monthly independent reserve attestations
Reserve reporting available anytime
Smart contract independently audited

Use Cases

Powering Trading,
‍Settlement & Beyond.

Digital Asset & Derivatives Trading

USDU enables compliant USD settlement for institutional digital asset and derivatives activity. Anchored in the UAE’s regulatory framework, it supports cross-venue trading, collateral mobility, and efficient USD exposure management - where permitted.

Treasury & Liquidity Management

USDU helps institutions manage USD liquidity across exchanges, custodians, and counterparties with greater efficiency. Near real-time on-chain settlement supports treasury operations and collateral optimisation across global market infrastructure.

Tokenised Markets & On-Chain Settlement

USDU provides a regulated USD settlement layer for tokenised assets and on-chain financial applications. Its structure supports programmable settlement aligned with institutional governance and risk standards.

UAE Domestic Payments (AED Stablecoins)

Domestic UAE payments are supported through AED-denominated stablecoins under the payment token framework. USDU is designed to interoperate with AED payment tokens, enabling compliant USD-to-AED settlement across institutional workflows.

Distributor Partner

Global Access
‍For Institutions.

To ensure seamless adoption, Universal has appointed Aquanow as its infrastructure provider and distributor.

A VARA-licensed VASP, Aquanow delivers institutional-grade infrastructure and global connectivity, enabling USDU to be securely integrated and accessible for institutions worldwide.

About Aquanow

Corporate Banking Partner

Foundation in
UAE Finance

USDU is designed to operate with the standards and resilience expected within the UAE’s financial system. With Mbank as a corporate banking partner, Universal reinforces its commitment to institutional governance, prudent operations, and long-term growth in the region.

RESERVE BANKING PARTNERS

Real Reserves,
Real Stability.

Universal partners with leading UAE banks, Emirates NBD and Mashreq, to safeguard reserves. This foundation of trust underpins USDU’s 1:1 backing with liquid USD accounts, redeemability, and anchoring in real money.

News & Insights

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February 27, 2026

Inside Universal’s Pre-Launch: A Preview of Regulated Digital Value Infrastructure

Events

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Frequently Asked Questions

What is USDU?

USDU is a USD-backed stablecoin issued by Universal Digital Intl Limited (“Universal”). It is fully regulated by the Financial Services Regulatory Authority (FSRA) in Abu Dhabi Global Market (ADGM). Each USDU token is backed 1:1 with U.S. dollars, ensuring stability, transparency, and trust.

Where are the reserves held?

All reserves are held in a fully liquid U.S. dollar account at Emirates NBD and Mashreq, ensuring transparency, stability, and immediate liquidity.

How do I know USDU is secure?

USDU is secured at multiple layers:

Independent monthly reserve attestations by Crowe Mak LLP, a global accounting firm.
Smart contract audits for on-chain integrity by Certik.‍
Regulatory oversight by the Financial Services Regulatory Authority (FSRA) in Abu Dhabi Global Market (ADGM).

Who can access USDU?

USDU is available to eligible market participants through its official distributor. Institutions interested in access can contact us for onboarding at info@universal.ae.

What is USDU permitted to be used for in the Mainland UAE?

Under the Central Bank of the UAE’s Payment Token Services Regulation (PTSR), USDU is positioned for payment/settlement in connection with virtual assets and virtual asset derivatives within the UAE’s regulatory perimeter. USDU is not intended for general domestic payment use which are denominated in Dirham in the mainland UAE.

What is USDU used for within the Mainland UAE?

Under the Central Bank of the UAE’s Payment Token Services Regulation, USDU is intended for USD settlement in connection with virtual asset and virtual asset derivative activity. USDU is not positioned as a general-purpose domestic payment instrument which are denominated in Dirham within the mainland UAE.

Fully backed. Fully regulated. Fully reliable.