Put your regulated token into corridors the app-led wallets do not reach, on a rail that screens and records every transfer.
Technical support does not mean a token, network or corridor is legally available. Eligibility is confirmed per asset, counterparty and jurisdiction.
Where app-first distribution stops
A token reaches the people who hold a smartphone wallet and can manage keys, and stops there.
The recipients an institution most wants to pay hold a basic phone and no wallet of their own.
Reaching them means building distribution, a handset channel and a compliance record that an issuer has no reason to build.
What distribution adds
Three outcomes, on the token you already issue.
Reach new users
Distribution extends to recipients who do not use a smartphone wallet and never handle a key or a seed phrase.
USSD and SIM Toolkit on any handset, KaiOS and smartphone apps above it.
Keep your token
Saleem is distribution infrastructure, not a competing currency. No Saleem token exists and none is planned.
The wallet balance is denominated in the approved token you issue, held through the licensed custody structure.
Stay inside the regime
Asset and network selection follows the applicable framework, per corridor and per counterparty.
Dirham payment tokens under the CBUAE regime; dollar tokens recognised by the ADGM FSRA.
How your token reaches a recipient
Five steps, from issuance to the counter.
1IssuerThe token is issued and redeemed under your own regime, unchanged by anything Saleem does
2InstitutionAn agency, a government programme, an employer or a bank funds a payment run in your token
3SaleemEach payment is screened, routed and recorded, and credited to the wallet on the recipient's phone number
4RecipientThe recipient holds and uses the value on the handset already in hand, with no wallet to manage
5Merchant or cash-outValue is spent at a Saleem merchant, or withdrawn at a licensed exchange house or agent
Who keeps what
The structure, not the numbers.
Nothing is paid to Saleem by the issuer. The institution sending the payment pays for the software and the setup.
You keep issuance, redemption and your own institutional customers. Recipient balances are to be held by a licensed custodian and accessed through Saleem's interfaces; keys do not sit on the handset. This is the target operating model at launch.
Saleem charges no fee to sender or recipient; FX conversion applies where currencies convert, at the licensed partner's rate. Institutions pay Saleem.
Saleem distributes your token. It does not issue one, and it does not hold your customers.
Issuer controls and integration
What stays with you, and what Saleem performs.
Asset and network selection
Which token settles on which network is set per corridor and per counterparty, inside the framework that applies there.
Redemption and reserves
Issuance, reserves and redemption stay entirely with you and your regime. Saleem never mints, never redeems and never holds reserves.
Compliance responsibility
Licensed partners perform regulated money movement, custody, conversion and payout as required in each jurisdiction. Saleem provides instruction validation, screening orchestration, routing, records and reconciliation under the agreed operating model. You answer for your own licence; each licensed partner answers for its own regulated leg.
Integration
The panel is configured per corridor. A token joins it once its regulatory status and its settlement route are established with the counterparties involved.
What the panel carries today
Interoperability, as it stands: the networks and the regulated tokens supported in demo build.
Settlement networks
ADI Chain
Polygon PoS
TRON
Stellar
Solana
Ethereum
Cross-chain bridging via Chainlink CCIP across EVM and Solana.
Stablecoins on the panel
DDSC · AEDADI ChainCBUAE Dirham Payment Token, live Feb 2026
AEDZ · AEDEthereum, SolanaCBUAE Dirham Payment Token, Nov 2025
AE Coin · AEDCBUAE licensedDirham Payment Token, Dec 2024
Dirham tokens under the CBUAE regime; dollar tokens recognised by the ADGM FSRA.
Regulatory status as published by each issuer, August 2026. Marks shown are the property of their respective owners and indicate technical support, not endorsement.
Status appendix: issuer and licence per asset
Reviewed: August 2026, from each issuer's published status.
Asset
Peg
Network
Issuer and licence
Source
DDSC
AED
ADI Chain
Issued by AEDC Stable Coin Network and Distribution L.L.C. Approved by the CBUAE to go live February 2026 as a Dirham Payment Token under the PTSR. Initiated by IHC and FAB, with Sirius International Holding. Backed 1:1 by AED reserves.
source to be added. Reviewed August 2026.
ZAEDZ
AED
EthereumSolana
Zand AED, issued by Zand Trust, a wholly owned subsidiary of Zand Bank PJSC. Approved by the CBUAE November 2025 as a Dirham Payment Token under the PTSR. Backed 1:1 by AED reserves in segregated accounts.
Tether. Recognised by the ADGM FSRA as an Accepted Fiat-Referenced Token, initially on Ethereum, Solana and Avalanche, extended December 2025 to further networks including TRON.
source to be added. Reviewed August 2026.
USDC
USD
EthereumStellarPolygonSolana
Circle. USDC is recognised by the ADGM FSRA as an Accepted Fiat-Referenced Token. Circle holds an ADGM FSRA Financial Services Permission as a Money Services Provider, granted December 2025. Circle is NYDFS regulated; USDC is MiCA compliant in the EU.
source to be added. Reviewed August 2026.
USDU
USD
Ethereum
Universal Digital Intl Limited, ADGM FSRA regulated (FSP No. 250089) to issue a Fiat-Referenced Token to Professional Clients only. Registered Foreign Payment Token Issuer with the CBUAE under the PTSR, January 2026.
AE Coin, the first fully CBUAE-licensed Dirham Payment Token (December 2024), completes the AED panel, so the AED leg is not dependent on a single issuer. Regulatory status as published by each issuer, August 2026.
Talk to us about distribution
Tell us which markets your token is licensed for and where you want it used, and we will map the corridors and the counterparties against it.
