# Stablecoin: USDA

### <mark style="color:orange;">**Design Positioning**</mark>

USDA serves as the **central medium for settlement and payments** within the APChain ecosystem.\
It is **pegged 1:1 to the U.S. dollar** and designed with **compliance and transparency** as core principles.

### <mark style="color:orange;">**Key Features**</mark>

* **1:1 USD reserve backing** with **daily on-chain audits** allowing users to verify reserves in real time.
* **Diversified custody across multiple FDIC-insured banks**, with up to **$5 million insurance coverage per account** for enhanced security.
* **Cross-chain payment and settlement support** across BNB Smart Chain (BSC), Ethereum, the APChain mainnet, and other EVM-compatible chains to ensure interoperability.
* **Ecosystem integration** as the **settlement currency** for DeFi, RWA, payment systems (such as AP Card and AP Wallet), as well as GameFi and social applications.


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