Send AUD.
Anywhere.
Free, instant payments built on Solana, settled in Australian dollars. Built in Queensland. Made for Australia.
Settles in
0.0 seconds
Network fee
$0.00
Idle yield
0.00% p.a.
Every glowing dot below is a confirmed Solana mainnet transaction — hover or tap to open it on Solscan.
Solana mainnet · ~2,400 tx/sec · 500ms settlement · $0.0008 median fee
Three things,
that's it.
No card. No FX. No business accounts. Just the part Australians actually do every week — moving AUD between people, and earning a proper rate while it sits.
Top up.
Free, instant, from your bank.
Send.
To any @handle. Settled in seconds.
Earn.
4.20% p.a. on idle AUDD. Paid daily.
Coming next: Fluid card · International transfers · Bill splitting · Scheduled payments. We'll tell you when each lands.
Don't trust. Verify.
Every transaction is a real Solana signature. Click any row to verify it on Solscan yourself.
every signature is real · click to verify on solscan
Three things that
make this different.
01 · Speed
Solana settles in 0.4 seconds.
Tap send. Your mate sees the dollars before you've put your phone down. No two-business-days, no batch processing, no bank holidays.
02 · Stability
AUDD is one Aussie dollar. Always.
Each AUDD is backed 1:1 by Australian dollars held in tier-1 banks. Issued by AUDC Pty Ltd under an AFSL granted by ASIC.
03 · Yield
Idle AUD doesn't have to sit idle.
Your balance earns 4.20% p.a., paid daily. No lock-up. Withdraw or send any time. The same money working twice.
Send $1,000.
Receive $1,000.
Sending money to family overseas? Compare what actually arrives. Same numbers out as in — Australia or anywhere else.
Fluid
Fluid
⏱ 0.4 seconds
PayID
PayID
⏱ Domestic-only · No international
Wise
Wise
⏱ 1-2 business days
* International transfer of $1,000 AUD, May 2026. Wise: AUD→USD at mid-market rate. PayID: included for reference only — it's a domestic Australian service and doesn't support international transfers. Fluid: 0% network fee, 24/7, settles internationally on Solana via AUDD.
Money that does what you tell it.
Schedule it. Split it. Condition it on something happening. The kind of automation banks promise but never quite deliver.
Scheduled rent
Send Marie $850 on the 1st, automatically.
Split bills
One tap to split a tab three ways.
Conditional sends
Pay your contractor when their wallet signs.
Sent
$0
Received
$0
CGT events
0
Audit-ready by default.
Every transaction is on-chain and timestamped. Your annual statement maps cleanly to ATO categories — interest income, business expenses, CGT events. Hand it to your accountant. Done.
Because AUDD is 1:1 with AUD, ordinary spending isn't a CGT event. That's a meaningful difference from holding crypto.
Crypto rails.
Not crypto risk.
We're not asking Australians to trust an offshore app. AUDD is real money issued under Australian law. Fluid is pursuing its own AFSL pathway ahead of the June 2026 no-action expiry.
AUSTRAC
Registered VASP
AUDC Pty Ltd is registered with AUSTRAC as a Digital Currency Exchange.
AFSL
Issued under licence
AUDD is issued by AUDC Pty Ltd under an AFSL granted by ASIC, February 2026.
Travel Rule
FATF compliant
Outbound transfers above the threshold include payer & payee info per FATF guidance.
AFCA
External resolution
AUDC is a member of the Australian Financial Complaints Authority.
AUDC Pty Ltd holds the AFSL for AUDD issuance. Fluid Labs is pursuing its own AFSL pathway ahead of June 2026.
Verify with AUDCWhat people are saying.
Splitting the tab used to be the most annoying part of dinner. Now it's the part where everyone just goes 'wait, that's it?'
Maya Chen
Sydney · Beta tester since 2026
I run a small café. Fluid means I see customer payments hit before they've left the counter. No 2-day Visa wait, no 1.6% chargeback risk.
James Patel
Owner · Marrickville Coffee
First app I've tried where 'instant' actually means instant. The Solana hookup is invisible — it just feels like really, really fast money.
Alex Tran
Solana developer · Melbourne
Honest answers.
Technically yes — AUDD is a stablecoin on Solana. Practically no — it's pegged 1:1 to the Australian dollar, fully backed by AUD held in tier-1 banks, and issued under an Australian AFSL. The Solana part is the rail; the dollars are the cargo.
AUDC Pty Ltd, a 45% Novatti-owned issuer that received its AFSL from ASIC in February 2026. AUDC is registered with AUSTRAC as a Digital Currency Exchange and is an AFCA member.
Your AUDD lives in a wallet protected by your Fluid login plus biometrics. Lose your phone, log in on a new one, restore. Your funds aren't on the device — they're on Solana, and the recovery flow is identical to any modern banking app.
Yes. Send to a phone number or email and they'll get an SMS/email with a claim link. They sign up, the funds drop into their wallet. There's a $10 welcome bonus for both you and them on the first send.
Your AUDD balance earns yield tracked to the RBA cash rate, accruing per-second. Yield is generated through AUDC's reserve management. We pay it out daily into your balance — no lockups, no minimums.
Spending AUDD as money isn't a CGT event because AUDD is 1:1 with AUD. Yield earned is interest income. Your annual statement maps to ATO categories — give it to your accountant. (We're not your accountant — get advice for your situation.)
AUDC's AFSL covers AUDD issuance. Fluid is the consumer app on top of that — currently operating under the ASIC no-action position that expires June 2026, with our own AFSL pathway in progress. We'll be transparent as that progresses.
Money that moves at the
speed it should.
Built in Queensland. Made for Australia. Get early access — we'll email you the moment Fluid opens up.