⚠️ Wrong network detected. VLUSD only works on Polygon Mainnet (Chain ID 137).
Live on Polygon Mainnet

The Institutional
Vault for
Digital Dollars

VLUSD is a fully collateralized stablecoin pegged 1:1 to the USD, built with blockchain based KYC, auditable compliance and institutional grade governance for global markets.

Proxy Contract
0x2c0C...BE38
✓ Verified
Total Supply
0
VLUSD in circulation
Live on Polygonscan
Supply Cap
10M
VLUSD initial cap
Configurable via governance
Reserve Ratio
1:1
USD fully collateralized
Proof of Reserves: Coming soon
Network
Polygon
Chain ID 137 · <2s finality
Low cost transactions

Why the world needs VLUSD

Global cross border payments move over $150 trillion annually, yet remain slow, expensive, and opaque. Emerging markets carry the heaviest burden, but no region is immune.

The problems today

Slow & Expensive Settlement

Correspondent banking takes 2–5 days and costs 2 to 5% in fees for cross border USD transactions, globally and not just in emerging markets.

KYC as a Competitive Advantage

Most stablecoins don't include any identity or compliance layer, making it hard for businesses and institutions to meet regulatory requirements with confidence. VLUSD was built with this solved from day one.

Regulatory Uncertainty

MiCA in Europe, the GENIUS Act in the US, and frameworks emerging across LATAM and Asia are converging. Most existing stablecoins weren't designed for this reality.

The VLUSD difference

Real Time Settlement

Under 2 second finality on Polygon with minimal network fees. No intermediaries, no delays.

Built In Identity & Compliance

VLUSD includes identity verification at protocol level, creating a transparent and auditable compliance trail for every transaction.

Regulatory Ready Architecture

Designed from inception to align with MiCA, US GENIUS Act, and emerging LATAM stablecoin frameworks.

Institutional Governance

Safe multisig as sole admin. Every governance action is on chain and publicly verifiable.

Built for institutions, open to all

Six features working together so VLUSD is safe, transparent and ready for the real world. Whether you're a developer, a company, or an individual.

Full Reserve 1:1 USD

Every VLUSD token is backed by exactly one USD held in custody with regulated financial institutions. No fractional reserve, no algorithmic backing.

KYC Identity Verification

VLUSD includes built in identity verification levels, so every transaction meets compliance standards, keeping the network secure and trustworthy for all users.

COMPLIANCE READY

Auditable Blacklist

Any blocked address and its reason are permanently recorded on chain. Full transparency for regulators and auditors. Every decision is public and verifiable.

SECURE BY DESIGN

Safe Multisig Governance

No single person controls VLUSD. Every critical action requires multisig approval from independent keyholders. The process is transparent and tamper proof.

INSTITUTIONAL GRADE

Upgradeable Protocol

The smart contract can be updated as regulations evolve, without changing the token address or disrupting anyone who already holds or uses VLUSD.

FUTURE PROOF

Gasless Approvals

Approve transactions with a simple offchain signature, with no extra gas fees. Plugs seamlessly into payment apps, DeFi platforms, and enterprise systems.

ERC-20 COMPATIBLE

From USD to VLUSD in minutes

A simple, transparent and institution friendly mint and redeem cycle. Every step verifiable on chain.

1

Deposit USD

Transfer USD to the VLUSD custody account at a regulated financial institution.

KYC verified first
2

Receive VLUSD

Equivalent VLUSD tokens are minted to your wallet address on Polygon Mainnet.

Under 2 seconds
3

Transact

Send VLUSD globally to suppliers, partners or DeFi protocols. Settles instantly.

Instant settlement
4

Redeem USD

Submit a redemption request. USD is transferred to your bank account, then VLUSD is burned.

Fiat first, always

From global institutions to everyday users

Whether you are a multinational bank or an individual, VLUSD is your dollar on chain. Send, receive, pay, and save in USD with no borders and no intermediaries.

Banks & Financial Institutions

Compliant USD settlement infrastructure built for institutional operations

  • Real time USD settlement rail
  • On chain KYC & AML audit trail
  • Direct custody integration
  • ERC-20 API compatibility

Investors & Funds

Capturing the LATAM institutional stablecoin opportunity

  • $700B+ LATAM trade market
  • Regulatory ready architecture
  • Upgradeable protocol
  • Native compliance advantage

Import / Export Companies

Eliminate correspondent banking friction for international trade

  • Settlement in seconds vs days
  • Minimal on chain fees vs. 2 to 5% bank fees
  • Full on chain transaction audit
  • No correspondent bank required

Freelancers & Remote Workers

Get paid in USD anywhere in the world, no foreign bank account needed

  • Receive payments globally in seconds
  • No bank account or SWIFT required
  • Hold value in USD, spend anywhere
  • Redeem to local currency on demand

E-commerce & Digital Merchants

Accept global payments in VLUSD. No chargebacks, instant settlement

  • Accept payments from any country
  • Zero chargeback risk on chain
  • Instant settlement, no holds
  • ERC-20 integration with any platform

Individuals & Everyday Payments

Send money, pay for services and hold dollars from any wallet, anywhere

  • Send USD globally in under 2 seconds
  • Pay for services without conversion fees
  • Hold dollars in your own wallet
  • Works with any Polygon compatible wallet

Open by design, verified on chain

Every critical parameter of VLUSD is publicly readable on Polygonscan. No black boxes. No trust required.

Proxy Contract
0x2c0C392bC7A356EBD3eF1902EB2f9838D023BE38
View on Polygonscan →
Implementation (Verified)
0x1b9538D82dAA482c4C918ca7D27A234F5DB406B1
Read source code →
Safe Multisig
0xDA7f7699c6E5F6f8a3250C1CB2fDa7f9EE5cd536
View governance wallet →
Proof of Reserves
Monthly attestations by independent auditor
Learn more →
1:1
USD collateralization ratio

Every VLUSD in circulation is backed by exactly one USD held in regulated custody. No fractional reserve. No algorithmic backing.

Protocol live on Polygon Mainnet

Your VLUSD dashboard

Connect your wallet to mint, redeem, manage KYC, bridge assets, view your statements and more. Coming soon.

app.vlusd.io · User Portal
Dashboard
Mint
Redeem
Bridge & Swap
KYC / KYB
Transparency
Statements
Settings
Welcome back. Connect your wallet to continue
VLUSD Balance
1,250.00
Available balance
USD Value
$1,250.00
1:1 peg · always
KYC Level
STANDARD
Up to $100,000 / month
Recent Transactions
Mint · SEPA
May 21, 2026
+500 VLUSD
Bridge · Ethereum
May 19, 2026
−200 VLUSD
Redeem · SWIFT
May 17, 2026
−100 VLUSD
KYC Standard: Up to $100,000 per month · Upgrade to Institutional →

Portal launching soon · Get early access →

Frequently asked questions

Everything you need to know about VLUSD. Can't find the answer? Write to us at treasury@vlusd.io

What is VLUSD?+
VLUSD (VL Dollar) is a regulated, USD backed stablecoin issued by VLUSD Ltd., operating on Polygon Mainnet. Each VLUSD token is backed 1:1 by real US dollars held in regulated financial institutions. Designed for institutions and individuals who need a reliable, transparent digital dollar.
Is VLUSD regulated?+
VLUSD Ltd. is incorporated in Estonia, operating within the EU regulatory framework including MiCA (Markets in Crypto Assets Regulation). We comply with FATF anti money laundering standards and GDPR for data protection. All reserves are held in regulated institutions subject to independent monthly attestations.
What countries are supported?+
VLUSD is available globally, except sanctioned jurisdictions (Cuba, Iran, North Korea, Syria and OFAC designated territories). Users from all other countries can register, complete KYC and use the platform. SEPA payment methods are limited to European countries.
Why do I need to verify my identity (KYC)?+
VLUSD operates under international financial regulations (FATF, MiCA) that require identity verification for all users. KYC protects you and ensures platform stability. Higher verification levels unlock higher mint and redeem limits. Your data is processed securely by iDenfy and never sold to third parties.
How long does KYC verification take?+
Identity verification (passport + selfie) is processed automatically and typically takes 2 to 5 minutes. Cases requiring additional review can take up to 24 hours. Proof of address documents are reviewed within 24 hours of upload. If it has been longer, contact us at treasury@vlusd.io.
What documents are accepted for proof of address?+
We accept utility bills (electricity, gas, water, internet), bank statements or official government letters. The document must show your full name and address, and must be issued within the last 3 months. Mobile phone bills and screenshots are not accepted. Please upload the original PDF or a clear photo.
What is KYB and who needs it?+
KYB (Know Your Business) is the verification process for corporate and institutional users. It requires company incorporation documents, director identification, and beneficial owner (UBO) declarations. KYB unlocks the Institutional tier with unlimited mint and redeem capacity.
What is the activation fee and what does it cover?+
A one time $5.00 activation fee is charged on your first mint, covering the cost of identity verification (KYC) and a small amount of POL (Polygon's native gas token) sent automatically to your wallet so you can pay for your first blockchain transactions. This fee is charged only once. All subsequent mints have no fixed fee.
How long does a SEPA or SWIFT transfer take?+
SEPA transfers typically arrive within 1 business day. SWIFT transfers can take 2 to 5 business days depending on the sending bank. Once your funds are received and the reference verified, your VLUSD will be minted and credited to your wallet within a few hours. Always include the exact reference code shown in the portal.
Can I mint with USDC or a credit card?+
Yes. You can mint VLUSD by sending USDC on Polygon Mainnet. The system detects the transfer automatically. Credit and debit card payments are also supported via Stripe, with a 1.5% processing fee. USDT and other stablecoins are not accepted.
How do I redeem VLUSD back to USD?+
Go to the Redeem section in the portal, enter the amount and your bank account details (SEPA or SWIFT). Once approved, your VLUSD will be burned and USD wired to your bank account. SEPA redemptions settle in 1 to 2 business days. SWIFT can take 2 to 5 business days.
Which wallet should I use with VLUSD?+
VLUSD operates on Polygon Mainnet. Any WalletConnect compatible wallet works. We recommend: Never share your seed phrase or private key with anyone.
How do I add Polygon network to my wallet?+
Click the button below to add Polygon automatically, or enter these settings manually:
Network namePolygon Mainnet
RPC URLhttps://polygon-rpc.com
Chain ID137
Currency symbolPOL
Block explorerhttps://polygonscan.com
Why don't I see VLUSD in my wallet?+
There are two common reasons:

1. Wrong network. If your wallet is connected to Ethereum or another network, VLUSD won't appear. It only exists on Polygon Mainnet (Chain ID 137). Switch to Polygon and refresh.

2. Token not added. Even on Polygon, some wallets don't show tokens automatically. Add VLUSD manually using the contract address:
0x2c0C392bC7A356EBD3eF1902EB2f9838D023BE38
In MetaMask: go to Tokens → Import token → paste the address above.
I connected my wallet but I'm on the wrong network. What do I do?+
You'll see a warning banner at the top of the portal. Click "Switch to Polygon" and your wallet will ask you to confirm the change. Or switch manually:
1
Open your wallet and click the network name at the top (e.g. "Ethereum Mainnet").
2
Select Polygon Mainnet from the list. If it's not there, add it using Chain ID 137 and RPC https://polygon-rpc.com.
3
Refresh the page and the warning will disappear and the portal will load correctly.
Can my VLUSD be frozen or confiscated?+
VLUSD Ltd. can freeze tokens associated with illegal activity, sanctions violations, or upon receipt of a valid legal order from a competent authority. This is a standard compliance feature in all regulated stablecoins (including USDC). For users in good standing with completed KYC, there is no risk of having tokens frozen.
Is the smart contract audited?+
A formal security audit by an independent firm is part of our security roadmap. The VLUSD roadmap, prior to the pilot emission. The contract is deployed on Polygon Mainnet and fully verified on Polygonscan. Anyone can read the source code. The audit report will be published on this page once completed.

The dollar, on chain. For everyone.

VLUSD is open, transparent and ready to use for institutions, businesses and individuals worldwide. No intermediaries, no barriers, no complexity.

Access the Portal Read the Whitepaper

We'd love to hear from you. Whether you have a question, a suggestion, or feedback to help us improve. Every message is read and appreciated. VLUSD is built for its community and your input shapes the project.

treasury@vlusd.io →