> For a complete index of Agora Finance documentation, fetch https://docs.agora.finance/llms.txt

# Agora Whitelabel Stablecoin Integration

> Launch your own branded stablecoin powered by Agora's infrastructure using an ERC4626 vault architecture

Agora enables custom stablecoin creation by using an [ERC4626 vault](https://docs.openzeppelin.com/contracts/5.x/erc4626) architecture with AUSD (Agora Dollar) as the underlying asset.

This design enables you to issue and control your own token, while maintaining a strict 1:1 backing with institutional-grade USD reserves. You retain full flexibility over token economics, permissions, and user experience.

<table>
  <thead>
    <tr>
      <th>
        **Growth & Liquidity**
      </th>

      <th>
        **Institutional Security & Control**
      </th>

      <th>
        **Flexible Technology**
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        **Institutional Rewards**: Unlike traditional stablecoin issuers who keep 100% of the interest, Agora operates an **Open Reward Model**. Revenue is distributed back to you based on your token’s market cap.
      </td>

      <td>
        **1:1 Asset Backing**: Every newUSD token is a direct claim on **AUSD** held within your contract. Reserves are managed by **VanEck** and custodied by **State Street**, ensuring bankruptcy remoteness.
      </td>

      <td>
        **Full ERC4626 Compatibility**: A plug-and-play standard that ensures your stablecoin works instantly with yield aggregators, lending markets, and DEXs.
      </td>
    </tr>

    <tr>
      <td>
        **Native Liquidity Rails**: Tap into Agora’s global ecosystem. Mint/Redeem your branded stablecoin directly against **USDC** or **USDT** at 1:1 through **AUSD**, bypassing the need for expensive, shallow liquidity pools.
      </td>

      <td>
        **Compliance Inheritance**: Automatically mirrors AUSD’s institutional freeze list. If an address is flagged for AML/Sanctions on the underlying AUSD contract, it is restricted from interacting with your token.
      </td>

      <td>
        **Transparent Proxy Upgrades**: Uses the Transparent Proxy Pattern to allow for seamless logic updates without requiring a token migration or changing the contract address.
      </td>
    </tr>

    <tr>
      <td>
        **No Vendor Lock-In**: Maintain full future flexibility and control, with no exclusivity requirements, exit fees, or restrictive contracts. Enable multi-collateral or off-chain backing as you grow.
      </td>

      <td>
        **Two-Step Ownership**: High-stakes operations require a two-step “propose and accept” process, eliminating the risk of accidental ownership loss via fat-finger errors.
      </td>

      <td>
        **Gasless Transfers (EIP-2612)**: Native support for `permit()`, allowing users to sign approvals off-chain. This removes the “first-transaction” hurdle, significantly increasing conversion rates.
      </td>
    </tr>

    <tr>
      <td />

      <td>
        **Emergency Pause**: Owner-controlled “circuit breaker” can instantly halt deposits, withdrawals, and transfers during emergencies.
      </td>

      <td />
    </tr>
  </tbody>
</table>