> ## Documentation Index
> Fetch the complete documentation index at: https://docs.celo.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Build with USA₮

USA₮ (Tether America USD) is a US-regulated dollar stablecoin issued by [Anchorage Digital Bank, N.A.](https://usat.io/) — 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.

## Contract Details

| Field                 | Value                                                                            |
| --------------------- | -------------------------------------------------------------------------------- |
| Token                 | USA₮ (Tether America USD)                                                        |
| Network               | Celo Mainnet                                                                     |
| Contract address      | `0xD2ab3C9A02DBBAB236BfEC45D1d755DF4267F771`                                     |
| Decimals              | 6                                                                                |
| `feeCurrency` adapter | `0x0357EE22278c922e1D36cFe6b899269b161880C4`                                     |
| Issuer                | Anchorage Digital Bank, N.A.                                                     |
| Reserves custodian    | Cantor Fitzgerald                                                                |
| Explorer              | [Celoscan](https://celoscan.io/token/0xD2ab3C9A02DBBAB236BfEC45D1d755DF4267F771) |
| Official site         | [usat.io](https://usat.io/)                                                      |

## USA₮ vs USD₮

USA₮ and USD₮ are separate assets from different issuers with different trust profiles:

|                      | USA₮                                               | USD₮                                       |
| -------------------- | -------------------------------------------------- | ------------------------------------------ |
| Issuer               | Anchorage Digital Bank (US federal charter)        | Tether (offshore)                          |
| Regulatory framework | GENIUS Act compliant                               | No equivalent US regulation                |
| Reserves custodian   | Cantor Fitzgerald                                  | Tether-managed                             |
| Primary use case     | Compliant-dollar applications, institutional flows | General-purpose, high-liquidity stablecoin |

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.

## 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:

```js theme={null}
const tx = {
  to: recipientAddress,
  value: amount,
  feeCurrency: "0x0357EE22278c922e1D36cFe6b899269b161880C4", // adapter, not token
};
```

> 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](/build-on-celo/fee-abstraction/using-fee-abstraction).

## 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](/build-on-celo/build-with-ai/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.

## Related

* [Build with Local Stablecoins](/build-on-celo/build-with-local-stablecoin) — Full list of stablecoins on Celo
* [Fee Abstraction Overview](/build-on-celo/fee-abstraction/overview) — How fee abstraction works and whitelisted fee currencies
* [Using Fee Abstraction](/build-on-celo/fee-abstraction/using-fee-abstraction) — Implementation guide
* [Build with Self](/build-on-celo/build-with-self) — ZK proof-of-humanity integration
* [x402: Agent Payments](/build-on-celo/build-with-ai/x402) — HTTP-native stablecoin payments
* [Celopedia](https://celopedia.celo.org/) — Celo's builder knowledge base