Overview
- The t-0 platform is designed for licensed banks and fintechs to move fiat-to-fiat payments with near‑real‑time, net settlement using USD₮.
- A non-custodial ledger matches transactions across participants and settles only net balances on-chain to ease liquidity demands.
- Institutions connect through a single API that aims to cut prefunding needs, lower foreign exchange exposure, and streamline treasury operations.
- Tether frames the effort as infrastructure for institutional payments rather than a consumer product, with executives citing a focus on speed, cost, transparency, and global reach.
- Adoption is expected to be gradual, shaped by regulatory acceptance and integration work, with no transaction volumes or live partners announced yet.