Agora Finance

Agora Finance provides institutional-grade stablecoin infrastructure centered around AUSD, a 1:1 USD-backed digital dollar designed for enterprise use. The platform offers white-labeled stablecoin solutions, instant liquidity services, and cross-chain interoperability for businesses, fintechs, and trading firms. It focuses on compliant, reliable infrastructure supporting stablecoin utility, liquidity, and compliance needs across multiple blockchain networks.

Yield for AUSD holders and partners comes from the reserves backing the stablecoin and the way Agora works with business partners. AUSD is fully backed by Agora's Reserves, which include cash, short-term lending agreements (overnight repos), and short-term U.S. Treasury securities. These assets are managed by VanEck and held by State Street. According to Agora's documents, businesses that partner with Agora can "earn on the stablecoin balances across your platform." This means yield is generated from the interest earned on the reserve assets (mainly from Treasury securities and lending agreements) and is shared with platform partners. Agora's instant liquidity service allows users to instantly create or redeem AUSD for USDC or USDT at a 1:1 rate with zero fees for transfers, which helps with efficient use of capital but does not directly provide yield. Overall, the yield mechanism works as a revenue-sharing model: enterprise partners earn on the stablecoin balances held on their platforms, funded by the interest income from the reserve fund's cash-like assets and short-term government bonds.