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USA₮ (Tether America USD) is a US-regulated dollar stablecoin issued by Anchorage Digital Bank, N.A. — the first federally chartered digital asset bank in the United States. Reserves are custodied by Cantor Fitzgerald. USA₮ is designed to meet GENIUS Act standards, the US federal framework for regulated stablecoins. Celo is the first chain outside Ethereum to host USA₮, launched on March 31, 2026.

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Contract Details

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USA₮ vs USD₮

USA₮ and USD₮ are separate assets from different issuers with different trust profiles: Both are available on Celo Mainnet. Use USD₮ for general stablecoin flows; use USA₮ when compliance, regulatory clarity, or institutional credibility matters to your use case.

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Fee Abstraction

USA₮ is a whitelisted fee currency on Celo from day one. Users can pay gas fees directly in USA₮ — no CELO required. Because USA₮ has 6 decimals, you must use the adapter address (not the token address) in the feeCurrency field:
Passing the token address instead of the adapter address is a common bug. Always use the adapter for 6-decimal tokens.
For a full implementation guide, see Using Fee Abstraction.

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What to Build

Wallet integration — Send, receive, and display USA₮ balances. Implement fee abstraction using the adapter address so users never need CELO. Self faucet client — Walk through the ZK proof-of-humanity flow: verify through the Self SDK, clear the check, claim USA₮. Useful reference for any app integrating the same pattern. AI agent payments — Use x402 (HTTP-native micropayments) to build an agent that settles in USA₮ — a regulated dollar as the settlement asset for agentic flows. DeFi integration — Build USA₮ liquidity pools on Aave V3, Uniswap V3, Velodrome, or Morpho Blue on Celo. Pool creation is permissionless on all three. Morpho Blue allows permissionless isolated lending markets — no governance approval needed to create a USA₮ lending or collateral market. Compliant remittance — Use USA₮ as the regulated on-ramp leg, then convert to a local stablecoin via Mento (USDm, BRLm, KESm, NGNm, and more), Ripio wFIAT (wBRL, wARS, wMXN, wCOP), or VNX (VGBP, VCHF) depending on the destination corridor. MiniPay Mini App — USA₮ launched with MiniPay as a Day One integration partner. MiniPay has 18M+ wallet activations across 66+ countries — a built-in distribution channel for any USA₮-denominated Mini App.