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feat: added openzeppelin contracts for financial institutions
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title: OpenZeppelin Contracts for Financial Institutions
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---
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The trusted foundation powering the global digital asset economy.
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Used by the world’s leading stablecoin issuers, asset managers, and on-chain funds, OpenZeppelin provides the security-audited, production-proven contracts trusted to secure billions in value.
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## **Powering Top Institutions**
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### **Stablecoins**
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Trusted by 8 of the top 10 stablecoins by market cap.
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The secure foundation behind the digital assets that power payments, settlement, and global liquidity.
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| **Stablecoin** | **Tokens** | **Permissions** | **Upgradeability** | **Utilities** |
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| --- | --- | --- | --- | --- |
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| Circle USDC | 🪙 | 🔐 | ♻️ | 🧰 |
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| Sky USDS | | | ♻️ | 🧰 |
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| Ethena USDe | 🪙 | 🔐 | | 🧰 |
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| Pallas Fund USDtb | 🪙 | 🔐 | ♻️ | 🧰 |
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| First Digital FDUSD | 🪙 | 🔐 | ♻️ | 🧰 |
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| PayPal PYUSD | | 🔐 | ♻️ | 🧰 |
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| Usual USD0 | 🪙 | 🔐 | ♻️ | 🧰 |
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| Ripple RLUSD | 🪙 | 🔐 | ♻️ | 🧰 |
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### **Tokenized U.S. Treasuries**
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Trusted by 10 of the top 10 tokenized U.S Treasuries by market cap.
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The standard for compliant, programmable representation of the world’s most trusted asset class.
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| **Tokenized U.S. Treasury** | **Tokens** | **Permissions** | **Upgradeability** | **Utilities** |
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| --- | --- | --- | --- | --- |
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| BlackRock USD Institutional Digital Liquidity Fund - I Class (BUIDL-I) | 🪙 | 🔐 | ♻️ | 🧰 |
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| Ondo Short-Term U.S. Government Bond Fund (OUSG) | 🪙 | 🔐 | ♻️ | 🧰 |
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| Superstate Short Duration US Government Securities Fund (USTB) | 🪙 | 🔐 | ♻️ | 🧰 |
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| Janus Henderson Anemoy Treasury Fund (JTRSY) | 🪙 | | | 🧰 |
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| Ondo U.S. Dollar Yield (USDY) | 🪙 | 🔐 | ♻️ | 🧰 |
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| BlackRock USD Institutional Digital Liquidity Fund (BUIDL) | 🪙 | | | 🧰 |
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| Circle US Yield Coin (USYC) | 🪙 | 🔐 | ♻️ | 🧰 |
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| WisdomTree Government Money Market Digital Fund (WTGXX) | | 🔐 | | 🧰 |
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| OpenEden T-Bills (TBILL) | 🪙 | 🔐 | ♻️ | 🧰 |
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| Franklin OnChain U.S. Government Money Fund (BENJI) | | 🔐 | ♻️ | 🧰 |
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## Battle Tested Contracts
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Every OpenZeppelin library represents over a decade of security expertise, community validation, and production use. Built to mitigate risk across the full contract lifecycle, these libraries power the world’s most trusted tokens, protocols, and financial systems.
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### Tokens 🪙
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Define and manage on-chain assets.
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Our libraries provide the secure, extensible foundation for issuing, controlling, and auditing digital assets.
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| Standard / Extension | Purpose | Used By (Stablecoin, Treasury, Defi) | Number of Deployments | Networks Supported |
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| --- | --- | --- | --- | --- |
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| Fungible Tokens (ERC-20) | Base standard for digital assets | [Circle USDC](https://etherscan.io/address/0x43506849d7c04f9138d1a2050bbf3a0c054402dd#code#F17#L23),
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[Ondo OUSG](https://etherscan.io/address/0x1ceb44b6e515abf009e0ccb6ddafd723886cf3ff#code#F12#L2),
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[Lido](https://github.com/lidofinance/core/blob/005b0876d6594b7f7864e0577cdaa44eff115b73/contracts/0.8.9/WithdrawalVault.sol#L9) | 150,000+
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(over $30 trillion in total value transferred!) | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/tree/master/contracts/token/ERC20),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/tokens/src/fungible),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/token/src/erc20),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/tree/main/contracts/src/token/erc20) |
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| Permit (ERC-2612) | Gasless transfer approvals through signatures to streamline user experience | [Ethena USDe](https://etherscan.io/token/0x4c9edd5852cd905f086c759e8383e09bff1e68b3#code#F4#L2),
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[BlackRock BUIDL-I](https://etherscan.io/address/0x9e2693f54831f6f52b0bb952c2935d26919a3626#code#F10#L2),
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[Optimism](https://github.com/ethereum-optimism/optimism/blob/3a34b538a190547e99a5571f3d02fc72d9ccb4ca/packages/contracts-bedrock/src/universal/OptimismMintableERC20.sol#L6) | 35,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/token/ERC20/extensions/ERC20Permit.sol),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/blob/main/packages/token/src/erc20/snip12_utils/permit.cairo),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/blob/main/contracts/src/token/erc20/extensions/permit.rs) |
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| Metadata | Provide information about the token, including name, symbol, and decimals | [Ethena USDe](https://etherscan.io/token/0x4c9edd5852cd905f086c759e8383e09bff1e68b3#code#F8#L2),
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[Ondo OUSG](https://etherscan.io/address/0x1ceb44b6e515abf009e0ccb6ddafd723886cf3ff#code#F15#L2),
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[Uniswap](https://github.com/Uniswap/v4-periphery/blob/main/src/libraries/SafeCurrencyMetadata.sol#L4) | 30,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/token/ERC20/extensions/IERC20Metadata.sol),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/blob/main/contracts/src/token/erc20/extensions/metadata.rs) |
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| Pausable | Pause contract or transfers during emergencies or upgrades to reduce operational and systemic risk | [First Digital Labs FDUSD](https://etherscan.io/address/0xda1814d75ef1c42d0a4e6abe0d43d49a1d300c8d#code#F5#L2),
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[Ondo USDY](https://etherscan.io/address/0xea0f7eebdc2ae40edfe33bf03d332f8a7f617528#code#F17#L2),
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[Morpho](https://github.com/morpho-org/idle-tranches-morpho/blob/43e6e0fb44e2b61f1429c3e23d1221179e8ba108/contracts/StakingRewards.sol#L6) | 17,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/token/ERC20/extensions/ERC20Pausable.sol),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/contract-utils/src/pausable),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/blob/main/packages/security/src/pausable.cairo) |
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| Burnable | Destroy tokens to support supply control, redemptions, or error recovery | [Ethena USDe](https://etherscan.io/token/0x4c9edd5852cd905f086c759e8383e09bff1e68b3#code#F3#L2),
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[Ondo OUSG](https://etherscan.io/address/0x1ceb44b6e515abf009e0ccb6ddafd723886cf3ff#code#F10#L2),
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[Aave](https://github.com/aave/ccip/blob/0ddce1bbc784cbdc808d0fe9672129f168097607/contracts/src/v0.8/shared/token/ERC20/BurnMintERC20.sol#L11) | 2,000+ | [EVM,](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/token/ERC20/extensions/ERC20Burnable.sol)
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/tokens/src/fungible/extensions/burnable),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/blob/main/contracts/src/token/erc20/extensions/burnable.rs) |
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| Freezable | Freeze specific accounts or tokens to help enforce sanctions, compliance holds, or fraud mitigation | - | - | [EVM](https://github.com/OpenZeppelin/openzeppelin-community-contracts/blob/master/contracts/token/ERC20/extensions/ERC20Freezable.sol) |
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| Restricted | Transfer restrictions, including blacklisting and/or whitelisting, to ensure only approved entities can interact with the token as defined by compliance policy | - | - | [EVM](https://github.com/OpenZeppelin/openzeppelin-community-contracts/blob/master/contracts/token/ERC20/extensions/ERC20Restricted.sol) |
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### **Access Control** 🔐
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Define who can perform specific actions, when they can do so, and under what authority.
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Our libraries provide flexible, auditable permissions for enforcing operational, compliance, and governance policies on-chain.
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| Implementation | Purpose | Used By (Stablecoin, Treasury, Defi) | Number of Deployments | Networks Supported |
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| --- | --- | --- | --- | --- |
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| Ownable | Minimal governance model providing a single administrative authority | [Circle USDC](https://etherscan.io/address/0x43506849d7c04f9138d1a2050bbf3a0c054402dd#code#F13#L31),
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[BlackRock BUIDL-I](https://etherscan.io/address/0x9e2693f54831f6f52b0bb952c2935d26919a3626#code#F2#L2),
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[Aave](https://github.com/aave/aave-v3-periphery/blob/master/contracts/treasury/AaveEcosystemReserveController.sol#L4) | 80,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/access/Ownable.sol),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/access/src/ownable),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/access/src/ownable),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/blob/main/contracts/src/access/ownable.rs) |
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| Access Control | Role-based governance which supports structured permissioning and multiple roles for operational teams | [Pallas Fund USDtb](https://etherscan.io/address/0xea8a763b5b1f9c9c7aea64f33947448d9e39e475#code#F17#L2),
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[Ondo OUSG](https://etherscan.io/address/0x1ceb44b6e515abf009e0ccb6ddafd723886cf3ff#code#F11#L2),
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[Aerodrome](https://github.com/aerodrome-finance/relay/blob/main/src/Relay.sol#L16) | 35,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/access/AccessControl.sol),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/access/src/access_control),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/access/src/accesscontrol),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/tree/main/contracts/src/access/control) |
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### **Upgradability** ♻️
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Securely upgrade contract logic without disrupting state or user trust.
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Our libraries implement proven proxy patterns that support controlled evolution under defined governance rules.
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| Implementation | Purpose | Used By (Stablecoin, Treasury, Defi) | Number of Deployments | Networks Supported |
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| --- | --- | --- | --- | --- |
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| Beacon Proxy | Coordinated upgrades across multiple contracts through a shared beacon, allowing system-wide upgrades in a single transaction. | [Sky USDS](https://etherscan.io/token/0xdc035d45d973e3ec169d2276ddab16f1e407384f#code#F4#L2),
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[BlackRock BUIDL-I](https://etherscan.io/token/0x6a9da2d710bb9b700acde7cb81f10f1ff8c89041#code#F4#L2) | 75,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/tree/master/contracts/proxy/beacon),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/tree/main/contracts/src/proxy/beacon) |
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| Transparent Proxy | Administrator-managed upgrades with strict separation between users and governance | [Pallas Fund USDtb](https://etherscan.io/token/0xc139190f447e929f090edeb554d95abb8b18ac1c#code#F1#L2),
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[Ondo OUSG](https://etherscan.io/token/0x1b19c19393e2d034d8ff31ff34c81252fcbbee92#code#F2#L2),
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[Lido](https://github.com/lidofinance/core/blob/master/contracts/0.8.4/WithdrawalsManagerProxy.sol#L317) | 9,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/proxy/transparent/TransparentUpgradeableProxy.sol) |
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| UUPS Proxy | Lightweight upgrade pattern where governance controls upgrade logic directly | [PayPal PYUSD](https://etherscan.io/address/0x94d0f384d839a7cef8bb6a8be3e2541ec9355343#code#F12#L2),
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[Circle USYC](https://etherscan.io/address/0xe6b0c4f8766abf8f77ad00c27fb00cef81ccc9af#code#F6#L2),
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[Morpho](https://github.com/morpho-org/morpho-token/blob/main/src/DelegationToken.sol#L12) | 4,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/proxy/utils/UUPSUpgradeable.sol),
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[Arbitrum Stylus](https://github.com/OpenZeppelin/rust-contracts-stylus/blob/main/contracts/src/proxy/utils/uups_upgradeable.rs) |
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### **Utilities** 🧰
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Libraries for precision, reliability, and data integrity across all operations.
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Our libraries provide functions for cryptography, math, and data integrity, safeguarding every calculation and transaction on-chain.
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| Implementation | Purpose | Used By (Stablecoin, Treasury, Defi) | Number of Deployments | Networks Supported |
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| --- | --- | --- | --- | --- |
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| Data Integrity | Safe primitives such as storage, context, and verification to prevent data corruption or manipulation | [Pallas Fund USDtb](https://etherscan.io/address/0xea8a763b5b1f9c9c7aea64f33947448d9e39e475#code#F14#L2),
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[BlackRock BUIDL-I](https://etherscan.io/address/0x9e2693f54831f6f52b0bb952c2935d26919a3626#code#F16#L2),
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[Graph Protocol](https://github.com/graphprotocol/contracts/blob/109e84c71fd01f2cb51f8582bb43603881380072/packages/token-distribution/contracts/MinimalProxyFactory.sol#L5) | 150,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/tree/master/contracts/utils),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/contract-utils/src),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/utils/src) |
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| Math | Ensures precision arithmetic and overflow protection for on-chain calculations | [Ethena USDe](https://etherscan.io/token/0x4c9edd5852cd905f086c759e8383e09bff1e68b3#code#F19#L2),
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[BlackRock BUIDL-I](https://etherscan.io/address/0x9e2693f54831f6f52b0bb952c2935d26919a3626#code#F14#L2),
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[Morpho](https://github.com/morpho-org/metamorpho/blob/main/src/MetaMorpho.sol#L20) | 65,000+ | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/tree/master/contracts/utils/math),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/contract-utils/src/math),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/utils/src) |
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| Cryptography | Safe primitives such as ECDSA, Merkle proofs, and signature verification for secure identity and transaction validation | [Circle USDC](https://etherscan.io/address/0x43506849d7c04f9138d1a2050bbf3a0c054402dd#code#F19#L28),
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[Superstate USTB](https://etherscan.io/address/0x1f50a1ee0ec8275d0c83b7bb08896b4b47d6e8c4#code#L301),
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[Graph Protocol](https://github.com/graphprotocol/contracts/blob/109e84c71fd01f2cb51f8582bb43603881380072/packages/horizon/contracts/utilities/Authorizable.sol#L6) | 45,000+ | [EVM,](https://github.com/OpenZeppelin/openzeppelin-contracts/tree/master/contracts/utils/cryptography)
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/contract-utils/src/crypto),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/utils/src/cryptography) |
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## Next Evolution of Smart Contracts
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The next era of smart contracts will be defined by compliance and privacy.
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OpenZeppelin is shaping that future by co-developing open standards and contract frameworks that enable regulated, confidential, and yield-bearing financial systems.
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| Focus Area | Purpose | Standards | Associations | Networks Supported |
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| --- | --- | --- | --- | --- |
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| Permissioned Tokens | Enforce compliant issuance and management of institutional-grade digital assets. | [ERC-3643: T-REX – Token for Regulated Exchanges](https://eips.ethereum.org/EIPS/eip-3643) | [3643 Association](https://www.erc3643.org/) (member) | [EVM](https://github.com/ERC-3643/ERC-3643),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/tokens/src/rwa),
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[EVM confidential (Zama)](https://github.com/OpenZeppelin/openzeppelin-confidential-contracts/tree/master/contracts/token/ERC7984/extensions) |
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| Confidential Tokens | Confidential value transfers with full auditability using encrypted pointers | [ERC-7984: Confidential Fungible Token](https://github.com/ethereum/ERCs/pull/1113/files#diff-4c22c7cb34e9622c46198c95e8810399c8bf545126ef800b3a464083629aa6e5) | [Confidential Token Association](https://www.confidentialtoken.org/) (founding member) | [EVM confidential (Zama)](https://github.com/OpenZeppelin/openzeppelin-confidential-contracts/tree/master/contracts/token/ERC7984/extensions) |
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| Yield Bearing Vaults | Yield generation and tokenized deposits | [ERC-4626: Tokenized Vaults](https://eips.ethereum.org/EIPS/eip-4626) | | [EVM](https://github.com/OpenZeppelin/openzeppelin-contracts/blob/master/contracts/token/ERC20/extensions/ERC4626.sol),
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[EVM (with fees)](https://github.com/OpenZeppelin/openzeppelin-community-contracts/blob/master/contracts/token/ERC20/extensions/ERC4626Fees.sol),
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[Stellar](https://github.com/OpenZeppelin/stellar-contracts/tree/main/packages/tokens/src/fungible/extensions/vault),
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[Starknet](https://github.com/OpenZeppelin/cairo-contracts/tree/main/packages/token/src/erc20/extensions/erc4626) |
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## Talk to an Expert
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Whether you’re launching a stablecoin, tokenizing assets, or building institutional-grade infrastructure, our team can help you design with security, compliance, and scalability from day one.
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Connect with OpenZeppelin experts to discuss your project, evaluate architectures, and access the libraries and audits trusted by the world’s leading financial institutions.
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[Talk to an Expert](https://www.openzeppelin.com/financial-institutions/request)

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