Live on XRPL + Stellar Mainnet

The Dollar.
Onchain.

USDF is a regulated, institutional-grade USD stablecoin natively issued on XRP Ledger — built with transparent reserves, built-in compliance, and native multi-chain settlement.

Get Wallet Access View ReservesDeveloper API
KYC Verified
AML Compliant
OFAC Screened
Fully Audited
2
Active Chains
XRPL + Stellar mainnet
3-5s
Settlement Speed
Block finality
100%
Reserve Ratio
Fully backed
Active
Compliance Controls
AUTH_REQUIRED + CLAWBACK
Live — XRPL Mainnet

USDF Token — XRP Ledger

Issued as a native trust line token (IOU) on the XRP Ledger. No smart contract risk — XRPL tokens are native protocol objects with built-in DEX, freeze controls, and rippling. Domain verified as fthtrading.github.io. Full compliance: KYC-verified wallets, OFAC screening, freeze/clawback capability, and immutable audit trail.

C
USDF Issuer (Cold Wallet)
Mints USDF · DefaultRipple enabled · Domain set · Freeze/Clawback capable · KYC-gated
rpiHVPfuSgcudPjr89Xbnn4kxuy3gmgso6
DefaultRippleAUTH_REQUIREDAUTH_REVOCABLECLAWBACKKYC-gated
View Issuer on XRPL Explorer →
O
USDF Distributor (Operational Wallet)
Receives USDF from Issuer · Distributes to KYC-verified holders · Trust line active · OFAC-screened
rHhEG6ADQAvCijAEbGita1jQXYc2TeC2qA
Trust line activeOFAC-screenedAUTH_REVOCABLEKYC-verified
View Distributor on XRPL Explorer →
3–5s
Final Settlement
No rollback possible
Native
Protocol-Level
No smart contract risk
100M
Trust Line Limit
USDF per wallet
24/7
No Downtime
Ledger always live

How XRPL Trust Line Tokens Work

01
Issuer Creates the Currency
The USDF Issuer account enables DefaultRipple and sets the domain. This establishes the account as an authoritative token issuer. No contract deployment needed — XRPL handles tokens natively at the protocol level.
02
Recipients Set Trust Lines
Any account wanting to hold USDF creates a trust line to the Issuer address for currency "USDF." This is a one-time authorization step that establishes a verified relationship with the issuer for a specified amount.
03
Issuer Mints via Payment
The Issuer sends a Payment transaction to the recipient for the desired USDF amount. This creates the tokens out of thin air — the Issuer's balance goes negative (showing obligation), the recipient's goes positive.
04
Built-in DEX Trading
USDF is immediately tradeable on the XRPL's built-in decentralized exchange. Authorized participants can place offers to buy/sell USDF against XRP or any other XRPL token. Instant liquidity from day one.
View Issuer on XRPL Explorer →Open Live Dashboard →
Live — Stellar Mainnet

USDF Black Label — Stellar Network

Issued as a native Stellar asset with full issuer authorization controls. No smart contract risk — Stellar assets are native protocol objects with built-in DEX, trustline authorization, and clawback capability. Full compliance: AUTH_REQUIRED, AUTH_REVOCABLE, OFAC screening, and freeze/clawback.

I
USDF Issuer Account
Mints USDF · AUTH_REQUIRED · AUTH_REVOCABLE · AUTH_CLAWBACK_ENABLED · KYC-gated
GBYLA6VHX4UWIFEEC2KAOJK57RUKIR2CKO7TGVRDWMG2A3B2W4ZHJEPI
AUTH_REQUIREDAUTH_REVOCABLEAUTH_CLAWBACKKYC-gated
View on Stellar.Expert ↗
D
USDF Distributor (Hot Wallet)
Operational wallet · Trustline active · OFAC-screened · AUTH_REVOCABLE · KYC-verified
GBJF54FBYPBVHR6Z3OKWWEMPF6QYPNH3RZZYX3E4V7AUMUWIEV7Z3DPX
Trust line activeOFAC-screenedAUTH_REVOCABLEKYC-verified
View on Stellar.Expert ↗
3–5s
Settlement
Final
~0.00001
Fees
XLM per op
100M
Trust Line
USDF limit
24/7
Uptime
Horizon API

How Stellar Trustline Tokens Work

01
Issuer Creates the Asset
The issuer account sets AUTH_REQUIRED, AUTH_REVOCABLE, and AUTH_CLAWBACK flags. No bytecode — the asset is a native Stellar protocol object identified by code + issuer pair.
02
Recipients Create Trustlines
Holders submit a "Change Trust" operation to create a trustline for USDF. Requires minimum XLM reserve and is a one-time setup per account before receiving any USDF.
03
Issuer Authorizes & Mints
With AUTH_REQUIRED set, the issuer must explicitly approve each trustline. Once authorized, USDF is minted via a payment operation — creating a liability on the issuer account.
04
Built-in DEX & Path Payments
Authorized USDF holders can trade instantly on Stellar's native DEX. Path payments enable multi-hop conversions across any asset pair without a third-party bridge.
View Issuer on Stellar.Expert →View Distributor on Stellar.Expert →
Reserve Transparency

Fully Backed.
Independently Verified.

Every USDF in circulation is backed 1:1 with USD-denominated assets held in regulated custody.

10,000,000
USDF Circulating Supply
Fetching from Stellar Horizon…
100%
Reserve Ratio
Fully backed — pilot phase
Real-time
Reserve Monitoring
Continuous automated attestation
On-Chain Verified — Stellar Mainnet

Treasury account GBJF54FB…3DPX holds all circulating USDF.

Verify on Stellar Expert

Issuance Architecture

Live on-chain issuance with institutional compliance controls

Live
XRPL TrustlinesActive

Issuer: rpiHVPfuSgcudPjr89Xbnn4kxuy3gmgso6

Stellar TrustlinesActive

Issuer: GBYLA6VHX4UWIFEEC2KAOJK57RUKIR2CKO7TGVRDWMG2A3B2W4ZHJEPI

Compliance ControlsLive

AUTH_REQUIRED · AUTH_REVOCABLE · CLAWBACK · GLOBAL_FREEZE

Treasury Wallets

Transparent
On-Chain Custody

Every USDF reserve wallet is publicly verifiable on-chain. Click any address to inspect live balances and transaction history.

Stellar Treasury
Loading…
GBJF54FBYPBVHR6Z3OKWWEMPF6QYPNH3RZZYX3E4V7AUMUWIEV7Z3DPX
Stellar Expert Mainnet
Stellar Issuer
AUTH_REQUIRED · CLAWBACK
GBYLA6VHX4UWIFEEC2KAOJK57RUKIR2CKO7TGVRDWMG2A3B2W4ZHJEPI
Stellar Expert Issuer Account
XRPL Issuer
AUTH_REQUIRED · GLOBAL_FREEZE
rpiHVPfuSgcudPjr89Xbnn4kxuy3gmgso6
XRPL Explorer Mainnet
EVM Treasury (Polygon / ETH / Avalanche / Base)
Institutional custody — multi-chain deployment Q3 2026
Deployment Ready
0x7d9a65d06dcc435a52D5880C6310Bd6E96c156DB

Built for Institutions

Enterprise-grade architecture from the ground up — not an afterthought.

Regulated & Compliant

Full KYC/AML screening, OFAC sanctions checking, and Travel Rule enforcement on every transaction.

Reserve Transparency

Real-time reserve reporting with third-party attestations, on-chain proofs, and public audit trail.

Real-time Settlement

3-5s finality on XRPL and Stellar. Confirmed, final, and irreversible — no probabilistic finality.

Institutional Controls

Multi-sig custody, role-based access, rate limits, and circuit-breaker halt mechanisms.

Multi-chain Native

Native USDF on XRPL and Stellar — not wrapped or bridged. Additional chains deploying in 2026.

Developer API

RESTful API with Meridian settlement engine, comprehensive webhooks, and SDK support.

Compliance Infrastructure

Compliance is
Not Optional

USDF embeds regulatory controls at the protocol layer — not bolted on as an afterthought. Every transfer is screened before settlement.

KYC Screening
Identity verification on every wallet and counterparty
AML Monitoring
Continuous transaction monitoring with risk scoring
OFAC Sanctions
Real-time OFAC SDN list screening on all transfers
Travel Rule
FATF Travel Rule enforcement for cross-border transfers
Audit Trail
Immutable, timestamped record of all compliance checks
Jurisdiction Controls
Configurable per-jurisdiction allow/deny rules
Settlement Networks

Native. Not Wrapped.

USDF is natively issued on every supported network — no bridges, no wrapped tokens, no bridge risk.

Primary Settlement Network
Live · Mainnet

USDF on XRP Ledger

USDF is natively issued on the XRP Ledger as a trust-line token — the most compliance- ready architecture in the stablecoin industry. Institutional controls are enforced at the protocol layer, not via external smart contracts.

3–5s
Finality
Per transaction
$0.001
Avg Fee
Cost per transfer
1,500 TPS
Throughput
Network capacity
Trust-line Configuration
AUTH_REQUIRED
KYC required before trust-line creation
AUTH_REVOCABLE
Compliance freeze on any account
CLAWBACK
Regulatory asset recovery enabled
GLOBAL_FREEZE
Emergency network halt mechanism

XRPL

Live

XRP Ledger — 3-5s finality, $0.001 fees. USDF issued as a trust-line token with compliance flags (AUTH_REQUIRED, AUTH_REVOCABLE, CLAWBACK). Issuer: rpiHVPfuSgcudPjr89Xbnn4kxuy3gmgso6

Mainnet

Stellar

Live

Stellar Network — 3-5s finality, near-zero fees. Full compliance via trustline controls and authorization revocation. Issuer: GBYLA6VHX4UWIFEEC2KAOJK57RUKIR2CKO7TGVRDWMG2A3B2W4ZHJEPI

Mainnet

Ethereum

Q3 2026

ERC-20 deployment in progress. Institutional custody integration and role-based freezing architecture complete.

Coming Soon

Solana

Q3 2026

SPL Token deployment planned. High-frequency institutional flow with sub-second finality and minimal transaction costs.

Coming Soon
REST API

Integrate in Minutes

The Meridian Settlement Engine exposes a clean REST API for programmatic USDF issuance, redemption, and cross-chain transfers. Full webhook support included.

  • Issue and redeem USDF programmatically
  • Cross-chain transfers via settlement engine
  • Real-time reserve and compliance callbacks
  • Role-based API key management
View API Status
USDF Settlement Engine — Meridian
# Engine health check
GET /engine/health
{ "engine": "USDF Meridian", "status": "ok" }
# Chain status
GET /api/health
{ "chains": ["XRPL","STELLAR"], "status": "operational" }
# Submit settlement
POST /api/settlements
{ "chain": "xrpl", "amount": "10000", "to": "r..." }
FTH Banking API

Institutional Payment
Infrastructure

The FTH Pay API is the production banking layer powering USDF payments. Multi-chain wallets, real-time settlement, and a full compliance stack — deployed on AWS and ready to integrate.

FTH Pay APIChecking…
https://fth-api.unykorn.org
GET
/health
Platform health — database, vault, API liveness
POST
/api/auth/login
Obtain JWT token for authenticated API calls
GET
/api/wallets
List all treasury wallets across all chains
GET
/api/treasury
USDF treasury overview — balances & issuance state
POST
/api/issuance
Submit an issuance request (requires approval)
POST
/api/settlement/orders
Create cross-chain USDF settlement order via Meridian
GET
/api/settlement/chains
Real-time status of all connected settlement chains
GET
/api/audit
Immutable audit log — compliance & operations trail

Platform Capabilities

  • Multi-chain Wallets — XRPL, Stellar, Polygon, Ethereum, Avalanche, Base, TRON, Solana — unified API
  • Meridian Engine — FTH-built Go settlement engine routing USDF across chains in 3-5 seconds
  • Vault-secured Keys — Treasury keys in encrypted vault — never exposed, hardware-grade isolation
  • Dual Approval Workflow — Issuance and redemptions require dual-operator approval before on-chain execution
  • Audit Trail — Every action logged immutably — OFAC screen, KYC event, settlement, key rotation
  • Role-based Access — treasury:read, treasury:write, wallets:write, audit:read — granular bank-grade ACL
Interactive API Docs

Full Swagger / OpenAPI 2.0 documentation with live try-it-out. Authenticate with your API key and call any endpoint directly in the browser.

Open API Docs
Pilot Access — Live Now

Your FTH Pay Wallet
Is Ready

FTH Pay is the institutional banking layer powering USDF. Get your multi-chain wallet — XRPL, Stellar, Polygon, and more — live immediately with founding access.

Founding Access

Join the Pilot

Request founding access — get a fully-provisioned multi-chain USDF wallet on XRPL and Stellar with built-in compliance controls and real-time settlement.

  • USDF wallet on XRPL + Stellar
  • Multi-chain: Polygon, ETH, Avalanche, TRON
  • Real-time 3–5s settlement
  • Compliance-first — KYC + OFAC built in
  • 1,000 FTH_USD on signup
Request Wallet Access
Members
Checking…

Sign In

Access your FTH Pay dashboard — manage multi-chain USDF balances, view real-time settlement history, and monitor your compliance controls.

Platform
needai.unykorn.org
API
fth-api.unykorn.org
Open Dashboard
Fully Regulated
KYC + AML + OFAC
Bank-grade Security
Vault-secured keys
3–5s Settlement
XRPL + Stellar
Multi-chain
8 networks
Institutional Access

Ready to Integrate
Institutional USD?

USDF is available to qualified institutional counterparties. Request founding access to FTH Pay — your multi-chain USDF wallet goes live immediately.

Get Wallet Access Sign In to Dashboard