First Fidelity USA (FFUSA)

Note: Currently, there are one billion tokens issued and outstanding. However, as per the attached white paper, 99.09% of those tokens held by three individuals have been recalled and will be vested as per the Roadmap (illustratives) and as outlined in the white paper no later than May 7, 2026.

FFUSA is the native Solana-based token powering PHINGO, a regulated money-services/virtual debit platform developed by First Fidelity USA, Inc. (First Fidelity Trust & Bancorp, Colorado). PHINGO is positioned as a novel, purpose-built solution that blends traditional money services with crypto-enabled liquidity, enabling real-time fiat-to-crypto conversions, broad onboarding for expats and cross-border workers, and scalable spend rails across a diverse set of merchants and wallets. PHINGO represents a new category of financial technology that uniquely combines regulated fiat liquidity with decentralized spendability on a high-performance blockchain, delivering a seamless bridge between everyday finance and digital asset markets.


Investor highlights


Market opportunity: A new, unified approach to real-time liquidity that reduces friction between fiat spending and digital assets, targeting a broad, underserved user base including expatriates and cross-border workers.
Differentiation: A one-of-a-kind reach at the intersection of regulated money services and crypto-enabled liquidity, anchored by Solana’s throughput and cost-efficiency and a regulated framework designed for scale.
Growth trajectory: Modular, scalable architecture with potential for deeper wallet integrations, merchant adoption, cross-border corridors, and DeFi-enabled liquidity layers.
Governance and alignment: A clear pathway to token-holder governance, liquidity incentives, and platform-wide growth aligned with long-term value creation.