# Fypher | The New Standard of Money Stablecoin 2.0

> Where regulatory-grade structure meets Asia’s growth engine. Fypher transforms stablecoins into accountable financial infrastructure.

FYUSD is a fully collateralized digital asset designed to bridge the gap between global USD liquidity and Asia’s evolving regulatory landscape. While the Asia-Pacific region represents the fastest-growing market for stablecoin activity—with a 69% year-over-year growth rate—existing stablecoins often fail to align with local operational realities. FYUSD addresses this by keeping economic value within the region. FYUSD is issued by BitGo Bank & Trust, National Association, a national trust bank chartered and supervised by the U.S. Office of the Comptroller of the Currency.

The infrastructure is built for "Stablecoin 2.0" applications, focusing on programmable finance and institutional-grade reliability. Reserves are held and managed by BitGo as issuer, featuring 100% fiat backing and monthly examination by an independent registered public accounting firm. Issuance, redemption, reserve management, and the related compliance, BSA/AML and sanctions programs are performed by BitGo. The platform additionally uses AI-driven risk and compliance monitoring for real-time oversight and adaptive controls. 

Key applications for FYUSD include compliant cross-border settlement, corporate treasury liquidity management, and pre-funded exchange settlement to reduce counterparty risk. The platform is also engineered to support the next generation of automated commerce, including programmable payment flows for AI-driven agentic systems.

## Solutions and Capabilities

- [Payments & Remittance](https://fypherusd.com/capabilities#payments): Compliant USD cross-border settlement solutions for the APAC region.
- [Corporate Treasury](https://fypherusd.com/capabilities#treasury): Regulation-aligned liquidity management for institutional users.
- [Exchange & Trading Settlement](https://fypherusd.com/capabilities#settlement): Pre-funded settlement options designed to reduce post-trade risks.
- [Agentic & Automated Payments](https://fypherusd.com/capabilities#agentic): Programmable payment flows for future AI-driven commerce (subject to regulatory approval).

## Partners and Infrastructure

- [BitGo — Issuer of FYUSD](https://bitgo.com): BitGo Bank & Trust, N.A. is the issuer of FYUSD and the manager of the reserve assets backing it. BitGo has no role in any vault or yield product offered by New Frontier Labs LLC.
- [Institutional Sales](https://fypherusd.com/contact): Contact point for institutional access and large-scale stablecoin operations.

## News and Resources

- [BitGo Named Issuer of FYUSD](https://fypherusd.com/news): Official announcement of the partnership to launch the U.S.-aligned stablecoin in Asia.
- [FYUSD FAQ](https://fypherusd.com/faq): Common questions regarding backing, minting, redemption, and regional focus.
- [The New Standard of Money](https://fypherusd.com/news): A look at how stablecoins have transitioned from trends to essential financial infrastructure.
- [FYUSD: A Regulation Compliant Stablecoin for Asia](https://fypherusd.com/news): Analysis of the emerging standards for regulated digital assets in the real economy.

## Optional

- [APAC Market Stats](https://fypherusd.com/market-data): Details on the 650M unbanked adults and on-chain crypto activity in the Asia-Pacific region.
- [Risk-Aware Design](https://fypherusd.com/design#risk-aware): Information on AI-driven compliance monitoring and adaptive controls.