📊 Transaction Limits and Thresholds

Transaction limits and thresholds are essential controls designed to prevent unauthorised or high-risk transactions. While primarily applied to fiat operations, these safeguards also extend to blockchain activity - most notably the minting of AUDD.

Limits and thresholds are tailored to each environment and are discussed with you during the application and commercial agreement stage. Their suitability is continually reassessed as part of our ongoing monitoring and risk management practices.

💵 AUD Limits

AUD transaction limits are imposed on a discretionary, case-by-case basis. When determining limits, we consider the type of integration (for example, AUDD Mint versus AUDD Gateway), the risks associated with the intended use case, and the strength of your business’s risk controls.

These limits are delivered as hard limits, meaning they are always active and non-negotiable. Payments that exceed them are automatically flagged for review. A common example is within the AUDD Gateway. Standard integrations adopt the same transaction limits applied to the AUDD Digital platform. Customers who have completed the standard KYC process receive baseline limits, whereas those who complete enhanced due diligence - which includes a source of funds checks - can access higher limits aligned with their capacity.

For detailed breakdowns of standard tiers and thresholds, refer to the AUDD Digital Knowledge Base.

🪙 AUDD Minting Thresholds

Minting thresholds apply across all partners, though they are individually set based on anticipated monthly volumes. These thresholds serve two primary purposes:

To ensure compliance with AML/CTF obligations .
To provide security against unauthorised minting of AUDD.

You can never mint more AUDD than the AUD held in your balance, preserving the 1:1 peg. On top of this, on-chain minting limits add an extra safeguard. These limits are deliberately independent of your account balance to strengthen security. In rare cases where your available balance exceeds the on-chain limit, your minting request will fail. If this occurs, you should contact your account manager for resolution.

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On-Chain Governance:
On-chain minting limits are enforced through our governance token, AUDR. For a detailed explanation of how AUDR works, including the technical safeguards built into the protocol, check out our Whitepaper.

🏦 External Banking Limits

At the banking level, there are no fixed limits on how much can be deposited into or withdrawn from a Virtual Account. However, banks may hold larger payments for their own security reviews. This process is entirely outside our control, and for regulatory reasons, no further details are shared with us. While such reviews are usually resolved quickly, we cannot provide specific timelines.

Customers may also face limits imposed by their own banking providers when sending funds to their AUDD VA. In these situations, customers should contact their bank directly to understand how to raise or adjust those limits.