First Digital, the issuer of the fiat-referenced stablecoin FDUSD, has unveiled ‘Finance District’, a decentralized finance (DeFi) ecosystem designed to integrate payments, credit, and capital verticals under a unified, community-governed hub. The launch, which begins with initial deployment on BNB Chain and plans to expand to Solana and other leading blockchains, is aimed squarely at solving the monetization bottlenecks facing the rapidly emerging AI agent economy.
The initiative addresses a critical market need, as AI agents are projected to handle or influence $30trillion in transactions by 2030 but require programmable, compliant, and reliable settlement infrastructure to move capital autonomously.
An agentic payments stack anchored by FDUSD
At the core of the ecosystem, FDUSD serves as Finance District’s settlement anchor, providing a foundation of trust and stability while supporting other major stablecoins and thousands of digital assets for interoperability.
Finance District launches with a dedicated agentic payments stack engineered to enable AI agents to hold and spend digital assets under policy-governed controls. Key components include:
- Prism: A cross-chain settlement vertical offering stablecoin payment rails tuned for machine-to-machine commerce. This allows any API, service, blog, or marketplace to accept and route automated FDUSD payments.
- SmartPay: A cloud-hosted wallet server enabling AI agents and applications to initiate, authorize, and reconcile stablecoin transactions on demand.
- Smart Wallet: A policy-first service that supports the creation and management of smart accounts with programmable guardrails, allowing AI agents to transact autonomously while preserving auditability and compliance workflows.
Vincent Chok, founder and chief executive officer of First Digital, emphasized the ecosystem’s role in accelerating entrepreneurship. “We’re seeing AI being embedded everywhere, but the biggest pain point for developers and builders is still monetisation,” Chok said. “Finance District gives applications and autonomous agents programmable, reliable settlement infrastructure that plugs in directly, enabling instant transactions and giving entrepreneurs a seamless path to revenue without layers of intermediaries.”
Expanding utility to regulated credit
As the payments stack matures, Finance District plans to expand its focus into a dedicated credit vertical under the Kredible product line. Kredible is intended to function as a programmable liquidity layer for FDUSD, initially deploying stablecoin deposits as short-term credit for real-world uses.
The long-term vision for Kredible includes incorporating reputation-informed lending features, such as a Kredible Score that rewards responsible users, over-collateralized structures, and dynamic interest rates. This aims to build a secure, transparent credit environment anchored in FDUSD settlement.
Additionally, Finance District plans to introduce the FDFI token in the first quarter of 2026, which will serve as an ecosystem governance and rewards token. FDFI is intended to enable community-led decision-making, including the ability to vote on protocol parameters and direct an ecosystem-owned treasury that accumulates protocol fees over time.
By building these modular, fiat-anchored DeFi protocols (Prism, SmartPay, Smart Wallet, and Kredible) under one network, First Digital is positioning Finance District as a critical piece of infrastructure for the future of compliant, open-chain financial services.
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