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Record sog_st_usdu

USDUUSDU

Also recorded as USDU, Universal USDU

Active

Lifecycle: Active
Issuance: Restricted
Reference target: US dollar
Primary organization: Universal Digital Intl Limited
No additional recorded relationship
Launch: 2026-01-29
Redemption: Issuer Redemption
Backing: Unknown
Stabilization: Issuer redemption
Last review: 2026-08-30
Evidence: 1 source record

Reviewed assessment

Identity and current state

This summary reports reviewed facts and uncertainty. It is not a rating or recommendation.

UAE-regulated U.S.-dollar stablecoin issued by Universal Digital Intl Limited, registered by the CBUAE as a Foreign Payment Token and backed 1:1 in safeguarded bank accounts.

Name	USDU
Symbol	USDU
Aliases	USDU, Universal USDU
Asset class	Stablecoin
Lifecycle status	Active
Issuance status	Restricted
Canonical record ID	`sog_st_usdu`
Route slug	`universal-usdu`
Record confidence	High
Last reviewed	2026-08-30

Name: USDU
Symbol: USDU
Aliases: USDU, Universal USDU
Asset class: Stablecoin
Lifecycle status: Active
Issuance status: Restricted
Canonical record ID: sog_st_usdu
Route slug: universal-usdu
Record confidence: High
Last reviewed: 2026-08-30

Record coverage

Section	Entries
Organizations	1
Sources	1
Reserve reports	0
Reserve components	1
Model-history events	1
Regulatory notes	0
Deployments	0
Issuer-control actions	0
Open questions	1
Events	1

Material concerns

What the reviewed record does not let you assume

Active status and verified evidence are not safety endorsements. Unknown means the reviewed record does not support a stronger conclusion.

Reserve verification: Not independently evidenced in the registry
Material known unknowns: 1 open

Organizations and control

Primary display is a navigation and summary choice only. It does not replace other organizations or imply sole legal responsibility, operational control, reserve custody, or historical continuity.

Governance: Centralized
Primary display organization: Universal Digital Intl Limited
Primary display role: Legal issuer
Relationship coverage: 1 recorded relationship

Control and relationship coverage

Display selection mode: Deterministic Policy
Current relationships: 1
Ended relationships: 0
Unknown relationship state: 0
Freeze capability: No deployment records
Blacklist capability: No deployment records
Deployment control-event references: 0
Observed issuer-control events: 0

All current, ended, and unknown-state organization relationships
Organization	Organization category	Regulatory character	Jurisdiction	Role	Display priority	From	Until	Relationship status
Universal Digital Intl Limited	Unknown or not yet classified	Unknown or unresolved	Abu Dhabi Global Market, United Arab Emirates	Legal issuer	Primary display	2026-01-29	Not yet recorded	Active relationship

Unknown or not yet classified

Universal Digital Intl Limited

Primary display

Functional role: Legal issuer
Relationship status: Active relationship
Regulatory character: Unknown or unresolved
Jurisdiction: Abu Dhabi Global Market, United Arab Emirates
From: 2026-01-29
Until: Not recorded

Mechanism

How the asset works

Primary operating facts are shown first. Classification and methodology details remain available below.

Reference target: US dollar
Public backing model: Unknown
Primary stabilization mechanism: Issuer redemption
Redemption / exit model: Issuer Redemption
Valuation source: Public information is incomplete
Yield / rebase profile: No recorded change · Accrual: No recorded change

Classification and mechanism details

Reference kind: Fiat
Comparison category: US dollar
Target value: 1
Reference methodology: Universal describes USDU as a fully USD-backed stablecoin.
Canonical backing types: Cash
Reserve component categories: Cash
Recorded model description: Fiat Reserve Backed
Classification notes: Professional Client issuance scope and safeguarded-bank reserve model are established by Universal.

Reserve and redemption

Recorded components, disclosures, reports, and redemption conditions remain explicit.

Reserve components

Safeguarded U.S.-dollar reserves held at Emirates NBD and MashreqCash · 100% · Universal states USDU is backed 1:1 in safeguarded onshore accounts at Emirates NBD and Mashreq. This row does not split allocation by bank.

Reserve profile

Disclosure status	Monthly Independent Attestation Claim
Backing types	Cash
Summary	Universal states USDU reserves are held 1:1 in safeguarded onshore U.S.-dollar accounts at Emirates NBD and Mashreq with monthly independent attestation.
As of	2026-01-29
Profile confidence	High

Disclosure status: Monthly Independent Attestation Claim
Backing types: Cash
Summary: Universal states USDU reserves are held 1:1 in safeguarded onshore U.S.-dollar accounts at Emirates NBD and Mashreq with monthly independent attestation.
As of: 2026-01-29
Profile confidence: High

Redemption profile

Current status	Restricted
Settlement asset	USD fiat
Eligible parties	Professional Clients and other eligible participants under Universal terms.
Retail access	not available under reviewed Professional Client issuance scope
Institutional access	Available to Eligible Professional Clients
Minimum amount	Unknown after review
Fee	Unknown after review
Settlement time	Unknown after review
Regional limits	Professional Client Scope, Uae Ptsr Use Restrictions

Current status: Restricted
Settlement asset: USD fiat
Eligible parties: Professional Clients and other eligible participants under Universal terms.
Retail access: not available under reviewed Professional Client issuance scope
Institutional access: Available to Eligible Professional Clients
Minimum amount: Unknown after review
Fee: Unknown after review
Settlement time: Unknown after review
Regional limits: Professional Client Scope, Uae Ptsr Use Restrictions

Reserve and attestation history

Date	Publisher	Type	Assets covered	Record confidence
No reserve reports have been added yet.

No reserve reports have been added yet.

Deployments and legal context

Network state, contract identity, legal notices, and value states remain separate.

Blockchain deployments

Network	Standard	Deployment type	Operational state	Contract or identifier
No deployment records have been added yet.

No deployment records have been added yet.

Regulatory and official notices

Date	Title	Authority / publisher	Type	Summary
No regulatory notes have been added yet.

No regulatory notes have been added yet.

Evidence

Publisher, provenance, supported claims, archive state, reliability, and publication date remain separate.

1 source identity · 1 evidence relation
Source	Publisher	Source category	Provenance	Primary or secondary	Supported claims	Archive	Reliability
Universal Launches UAE’s First Central Bank-Registered USD Stablecoin Published 2026-01-29	Universal Digital Intl Limited	Official statement or announcement Canonical: Official Announcement	Subject-controlled source	Primary source	Identity, Issuer, Launch, Regulatory, Backing, Reserve Assurance, Market Access, Usdu Identity Issuer Launch Regulatory Scope Reserves Attestation	Archive index or wildcard	High

Official statement or announcement

Universal Launches UAE’s First Central Bank-Registered USD Stablecoin

High

Publisher: Universal Digital Intl Limited
Published: 2026-01-29
Provenance: Subject-controlled source
Primary or secondary: Primary source
Supported claims: Identity, Issuer, Launch, Regulatory, Backing, Reserve Assurance, Market Access, Usdu Identity Issuer Launch Regulatory Scope Reserves Attestation
Archive: Archive index or wildcard
Reliability: High

Known unknowns

Known unknowns and coverage

Missing or disputed facts remain visible instead of being converted into certainty.

Open questions

Topic	What remains unclear	Value state	Priority	Last checked
Attestation History Redemption Terms Deployment and Insolvency	Universal establishes issuer identity, regulatory scope, safeguarded 1:1 USD reserves and monthly independent attestation, but complete attestation history, redemption fees/timing/minimums, deployment inventory and insolvency treatment are not established here.	Unknown after review	Medium	2026-08-30

Attestation History Redemption Terms Deployment and Insolvency

Universal establishes issuer identity, regulatory scope, safeguarded 1:1 USD reserves and monthly independent attestation, but complete attestation history, redemption fees/timing/minimums, deployment inventory and insolvency treatment are not established here.

Value state: Unknown after review
Priority: Medium
Last checked: 2026-08-30

Lifecycle

History

Current classification remains separate from dated changes and incidents.

Model and lifecycle changes

2026-01-29Universal launches USDULaunch

Event timeline

Date	Event	Category	Subtype	Status effect	Recovery
2026-01-29	Universal launches USDU	Launch and introduction	Launch	Remained active	Not applicable

Related records and corrections

Corrections and further reading

Open connected records, methodology, machine-readable data, or report a correction.