> For the complete documentation index, see [llms.txt](https://docs.xft.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.xft.finance/learn/case-studies/flusd.md). # FLUSD WHY FLORIDA DIGITAL DOLLAR? \ Instant zero-fee 24/7/356 zero fee global payments for airports. Streamlined data and information management for smart cities. Automated execution of micropayment flows given a license plate number for tolls via prefunded SunPass accounts. No $38B in Visa/Mastercard debit card swipe fees on recurring utility bill pay for Duke Energy, Florida Power & Light. No $188 billion in swipe fees for Florida businesses, smart cities. No invested asset-driven liquidity risk for Florida insurers during flu+hurricane season via atomic/programmable composability with XFT tokenized equities. Internet-native collateral mobility and less tax drag than an ETF. Florida Digital Dollar (FLUSD)\ [0xe9f8063c0e987a487D886A021778379B52237A5f](https://sepolia.arbiscan.io/address/0xe9f8063c0e987a487D886A021778379B52237A5f) PROBLEM Visa/Mastercard fees. ETF capital gains tax drag via heartbeat trades. Hurricane + flu season for insurers. Invested-asset driven liquidity risk to meet claim obligations. Lack of municipal financing demand for infrastructure. Single point of failure for Florida hospital payment systems. Visa/Mastercard fees on chargebacks + recurring bill pay for Florida Power & Light/Duke Energy utilities. SOLUTION Florida Digital Dollar. Instant zero-fee 24/7/356 zero fee global payments for MCO airport, cargo billing. Streamlined data and information management for smart cities. Automated execution of micropayment flows given a license plate number for tolls via prefunded SunPass accounts. No $38B in Visa/Mastercard debit card swipe fees on recurring utility bill pay for Duke Energy, Florida Power & Light. No $188 billion in swipe fees for Florida businesses, smart cities. No invested asset-driven liquidity risk for Florida insurers during flu+hurricane season via atomic/programmable composibility with XFT tokenized equities. Internet-native collateral mobility and less tax drag than an ETF via stable $1 USD price. Yield-bearing collateral for borrowing and lending via Florida General Revenue Fund. Blockchain-payment system for hospitals to decrease total attack surface via distributed nodes. Zero-fee utility bill pay. Chargeback flows over blockchains. RESOURCES [MCO Airport](https://flymco.com/airport-business/finance/) [Life Insurers’ Role in the Intermediation Chain of Public and Private Credit to Risky Firms](https://www.federalreserve.gov/econres/notes/feds-notes/life-insurers-role-in-the-intermediation-chain-of-public-and-private-credit-to-risky-firms-20250321.html) [Credit and Debit Card ‘Swipe’ Fees Hit New Record of $187.2 Billion](https://merchantspaymentscoalition.com/credit-and-debit-card-swipe-fees-hit-new-record-1872-billion-driving-prices-american-families)