MV Capital - Bitcoin.com Adds UAE-Regulated USDU Stablecoin to Self-Custodial Wallet

Partnership brings the first Central Bank of the UAE-registered USD stablecoin to millions of users, with 1:1 reserves and monthly public attestations

Bitcoin.com has integrated USDU, a U.S. dollar-backed stablecoin issued by Universal Digital Intl. Limited, into its self-custodial web and mobile wallet. The move gives users worldwide access to a token that carries registration with the Central Bank of the UAE as a Foreign Payment Token and operates under the Financial Services Regulatory Authority in the Abu Dhabi Global Market.

USDU is the first and currently only registered Foreign Payment Token under the UAE’s Payment Token Services Regulation. Each token is backed one-to-one by liquid U.S. dollar reserves held at regulated UAE banks. An independent third-party accounting firm attests those reserves every month, and Universal publishes the reports so holders can review the figures directly.

Self-Custody and Core Features

The stablecoin is available as an ERC-20 token on Ethereum. Users of the Bitcoin.com Wallet can hold, send and receive USDU while retaining full control of their private keys. The company will accept the token as payment for designated Bitcoin.com services and plans to enable transfers between users and merchants across its products. Swap and buy-and-sell functions are expected once third-party providers add support. Availability of USDU and related features continues to depend on local rules.

Bitcoin.com will also introduce educational material through its Learn-to-Earn program and a dedicated stablecoin series. The content will cover how fiat-backed tokens work, the meaning of reserve attestations, and the differences between regulated and unregulated issuance.

People shouldn’t need to be forensic accountants to know what backs the stablecoin they hold. USDU’s registration with the UAE central bank and monthly attested 1:1 reserves mean users can verify the backing instead of trusting a logo. That’s the standard we want our wallet users to expect.Corbin Fraser, Bitcoin.com CEO

Regulatory Status and Technical Safeguards

Universal is authorized by the FSRA to issue Fiat-Referenced Tokens to professional clients and holds separate registration with the Central Bank of the UAE. Under its current status, USDU may be used as a means of payment for digital assets and digital asset derivatives in the UAE. It is not permitted for general domestic payments in mainland UAE.

The Ethereum smart contract has been independently audited by Certik. Distribution is handled by Aquanow, a virtual asset service provider licensed by Dubai’s Virtual Assets Regulatory Authority. Reserves are held with regulated banks that include Emirates NBD, Mashreq and Mbank.

Good standards only matter if people can actually use them. Bringing USDU to the Bitcoin.com Wallet combines self-custody with what users should expect from a stablecoin: clear regulatory status, 1:1 backing by liquid USD reserves held with regulated UAE banks whose identities are publicly disclosed, and monthly independent attestations they can check for themselves.Juha Viitala, Senior Executive Officer at Universal

Broader UAE Stablecoin Context

Universal launched USDU in January 2026. Earlier this year the issuer and AE Coin introduced a conversion rail linking the dollar-backed token with a dirham-backed stablecoin. That infrastructure, developed with support from Al Maryah Community Bank, supports institutional settlement, treasury operations and cross-border transactions through regulated providers including Aquanow and Changer.ae.

The Bitcoin.com integration expands access beyond regional platforms, placing a CBUAE-registered, fully attested dollar stablecoin inside a self-custodial wallet used by millions of individuals and merchants. Further payment and trading capabilities remain subject to third-party support and jurisdictional requirements.