| Asset | Peg | Network | Issuer / Licence |
|---|---|---|---|
| DDSC | AED | ADI Chain | Issued by AEDC Stable Coin Network and Distribution L.L.C. Approved by the CBUAE to go live February 2026 as a Dirham Payment Token under the PTSR. Initiated by IHC and FAB, with Sirius International Holding. Backed 1:1 by AED reserves. |
| AEDZ | AED | EthereumSolana | Zand AED, issued by Zand Trust, a wholly owned subsidiary of Zand Bank PJSC. Approved by the CBUAE November 2025 as a Dirham Payment Token under the PTSR. Backed 1:1 by AED reserves in segregated accounts. |
| USDT | USD | TRONEthereumSolana | Tether. Recognised by the ADGM FSRA as an Accepted Fiat-Referenced Token, initially on Ethereum, Solana and Avalanche, extended December 2025 to further networks including TRON. |
| USDC | USD | EthereumStellarPolygonSolana | Circle. USDC is recognised by the ADGM FSRA as an Accepted Fiat-Referenced Token. Circle holds an ADGM FSRA Financial Services Permission as a Money Services Provider, granted December 2025. Circle is NYDFS regulated; USDC is MiCA compliant in the EU. |
| USDU | USD | Ethereum | Universal Digital Intl Limited, ADGM FSRA regulated (FSP No. 250089) to issue a Fiat-Referenced Token to Professional Clients only. Registered Foreign Payment Token Issuer with the CBUAE under the PTSR, January 2026. |
AE Coin, the first fully CBUAE-licensed Dirham Payment Token (December 2024), completes the AED panel, so the AED leg is not dependent on a single issuer. Regulatory status as published by each issuer. Verified August 2026.
Marks shown are the property of their respective owners and indicate technical support, not endorsement.
Two providers: document IDV, biometrics, risk-tiered onboarding.
Four-way consensus: counterparty risk, sanctions, surveillance, analytics.
IVMS101 originator and beneficiary exchange on every settlement chain.
Four-tier verification is a specified design, with limits scaled by verification level. Details available post-NDA.
Three institutional-grade wallet-infrastructure partners: covering end-user MPC, partner / NGO institutional settlement, and treasury-level multi-chain reserves.
Compliance and wallet infrastructure are integrated at the client layer; production wiring sits within production scope.
AES-256 encryption, SHA-256 integrity, jurisdiction-aware retention policies.
All four device tiers and the operator console built and demo-ready, pre-launch. TypeScript strict mode, zero errors. Independent penetration test and third-party security audit sit within production scope, ahead of go-live.
A six-tab compliance dashboard covers risk overview, KYC review and document vault, FATF Travel Rule transfer management, blockchain screening with four-way provider consensus, and a tamper-proof audit trail. Live walkthrough under NDA.
Saleem never sells, licenses, or transfers consumer data. Any future analytics are opt-in and consent-based.
An independent Data Protection Officer will be appointed ahead of launch, with board access. Lawful basis register and DPIA framework will be operational from day one.
Consent-based and cohort-level only. Every query is audit-logged. Data Subject Access Requests are honored within statutory windows.
Data Strategy 2026 published as the canonical reference document. Available on request.