Quick answer: AUDD is an Australian-dollar stablecoin, backed 1:1 by Australian dollars and issued by AUDC Pty Ltd, a subsidiary of ASX-listed Novatti Group. In an announcement dated February 6, 2025, AUDD said it would launch on the XDC Network with payments and trade tokenization as the stated use case. That is a specific, checkable claim worth separating from the general hype around “tokenization” as a buzzword. The announcement is about infrastructure being built, not proof of trade-finance volume, which was not disclosed.
Part of our guide: Asset Tokenization.
Updated 07/17/2026. By Jake Claver. Educational content, not investment advice.
Stablecoin-plus-network announcements are common, and most deserve a careful read rather than a headline reaction. Here is what AUDD on XDC actually is, drawn from the issuer’s own materials, and where the honest limits are.
What is actually being announced
AUDD’s own announcement frames the XDC Network launch around cross-border payments and trade tokenization, not DeFi trading or yield products. The trade press covered it from the settlement-infrastructure angle: Asset Servicing Times reported it as a trade-and-settlement story rather than a general crypto item, which is the more useful lens. For follow-up detail as the integration rolls out, AUDD’s news page is the place to track it.
Who issues AUDD
AUDD is issued by AUDC Pty Ltd, which holds an Australian Financial Services Licence (AFSL No. 700123) authorising it to issue and deal in non-cash payment products. AUDC is a subsidiary of Novatti Group (ASX: NOV), an Australian payments company regulated under Australian financial services law and overseen by ASIC. The token is collateralised 1:1 by Australian dollars held as cash or cash equivalents. AUDD first went live on Stellar in November 2022 and has since expanded to multiple chains, with XDC among the networks it targets for payments and trade use cases.
Why XDC for this use case
XDC Network positions itself around trade finance and institutional settlement rather than general-purpose smart contracts. Its trade-finance page describes converting real-world trade instruments (invoices, bills of lading, letters of credit, receivables) into digital assets, and points to the multi-trillion-dollar global trade-finance gap as the opportunity. It also emphasises ISO 20022 compatibility and a hybrid public/permissioned design aimed at banks. A regulated fiat-pegged stablecoin choosing that network for payments and trade tokenization fits the network’s stated niche. It is a coherent match, but coherence is not the same as proof of usage. The real test is whether trade-finance participants route actual volume through it.
What “tokenization” means here specifically
In this context, tokenization means representing a real-world asset, here Australian dollars held in reserve, as a digital token that can move and settle on a blockchain. That is narrower than the broad claim that tokenization is transforming capital markets. The Bank for International Settlements has examined tokenization and the future monetary system in its 2023 annual report chapter, which is the serious institutional treatment of the concept. AUDD on XDC is one issuer, one currency, one network, aimed at one use case. Treat it as a data point about where tokenized payments infrastructure is being built, not as evidence of broad market traction, especially since no volume figures were part of this announcement.
Why this matters
Trade finance carries real friction and a large unmet financing need, so regulated stablecoins settling on trade-focused networks are worth watching as practical infrastructure. But watching is not the same as concluding. A licensed issuer, a fit-for-purpose network, and a clear stated use case are encouraging inputs, not outcomes. The outcome that matters is disclosed, sustained transaction volume, and that has to be verified over time rather than assumed from a launch.
Common questions
What is AUDD?
AUDD is an Australian-dollar stablecoin backed 1:1 by Australian dollars held as cash or cash equivalents. It is issued by AUDC Pty Ltd, a subsidiary of ASX-listed Novatti Group, under an Australian Financial Services Licence.
What is AUDD launching on XDC Network for?
For cross-border payments and trade tokenization specifically, according to AUDD’s own announcement, rather than DeFi trading or yield products. XDC Network is oriented toward trade finance and institutional settlement.
Does the announcement prove trade-finance adoption?
No. The announcement describes infrastructure and intended use, but it did not include transaction-volume figures. Whether trade-finance participants route real volume through it is the actual test, and that can only be judged over time.
What does tokenization mean in this case?
It means representing a real-world asset, here Australian dollars held in reserve, as a digital token that can move and settle on a blockchain. It is a narrow, specific meaning, not the broad claim that tokenization is transforming all of capital markets.
Is AUDD only on XDC Network?
No. AUDD first launched on Stellar in November 2022 and has expanded to several blockchains. XDC is one of the networks it targets, chosen here for the payments and trade-tokenization use case.
This content is educational only. It is not tax, legal, or investment advice. Check primary sources and speak with a qualified professional before making financial decisions.
