how A+ works
One digital dollar, issued across a network of regulated banks.
A+ provides the shared network that enables participating banks to issue $USDA+ — a single fungible stablecoin backed 1:1 by regulated reserves.
Each institution issues under its own infrastructure and regulatory framework, while maintaining its customer relationships. A+ connects those issuers through common technical, liquidity, and operating standards — allowing $USDA+ to move as one asset across banks, markets, and blockchain networks.
Five steps, one asset
A bank joins the network
A+ integrates alongside the bank’s existing systems — connecting its compliance, treasury, custody, and core banking infrastructure to the network.
The bank issues $USDA+
When funds enter the bank, an equivalent amount of $USDA+ is minted. Banks hold 10% of funds in cash reserves at all times.
Liquidity is shared
Every participating institution issues the same fungible asset. $USDA+ issued by one bank circulates, trades, and settles alongside $USDA+ issued by every other bank in the network.
$USDA+ moves globally
Customers and distribution partners use $USDA+ across supported blockchain networks, exchanges, payment platforms, wallets, and banking applications.
Redemption stays open
$USDA+ can be redeemed through multiple participating institutions and distribution points. The network routes redemptions across issuers, supporting continuous access to the underlying dollar.
1:1
Backed by regulated reserves
10%
Held in cash reserves
24/7
Onchain settlement
division of responsibility
Neutral infrastructure, bank‑level control.
Each participating bank retains responsibility for its issuance, reserves, compliance, and customer experience. A+ provides the coordination layer that makes independently issued dollars operate as one global asset.
the bank controls
- Issuance and reserves
- Regulatory compliance
- Customer relationship
- Distribution strategy
- Bank branding
A+ coordinates
- Shared technical standards
- Fungibility across issuers
- Liquidity coordination
- Network-wide movement
- Issuance and redemption infrastructure
integration
Built to sit alongside
your bank.
A+ connects to existing banking infrastructure through a common integration layer. Banks extend deposits and payment capabilities into digital dollars while preserving their existing systems, controls, and operating model.