Money without borders

Move money instantly, at low cost, in a peer-to-peer stablecoin settlement network. Built for Institutions. Powered by USDT.

Access the Network

The network for global money movement

t-0 links financial institutions peer-to-peer to make cross-border payments faster, cheaper and more efficient.

Moving money
Fast global transfers
Transfer value with near-instant settlement across 1200+ possible payment corridors and FX pairs.
FX symbol slashed by beam
Slash FX costs
Global transfers for basis points, not percentages. You are never exposed to the target currency FX rate.
t-0 routing traffic
Generate new business
Execute payment volumes in your specialist currencies on behalf of other t-0 Network members.
Foreign currency symbols
Access emerging markets
t-0 connects you to local payment rails via licensed FI's in 50+ countries through a single API.

A swifter way to move money

Legacy systems slow global payments. t-0 moves money at the speed of modern business.

Legacy Rails
2+ days
Same or Next Day

Initiate international wire

1-3 Business Days

Funds move through intermediaries

1-3 Business Days

Receiving bank processes payment

Last Day

Final settlement and reconciliation

t-0 Network
< 1 hr
~0.2 milliseconds

Match quotes with other correspondents from t-0's FX Order Book

1 - 5 minutes

Sender transfers source currency via local rails

1 - 10 minutes

Correspondent transfers target currency to recipient via local rails

On Demand

Institutions net-settle with each other in USDT

Get the best rates

International payments that feel local

A single network that lets institutions collect, settle, and pay out across borders.

Powered by USDT. Built for Institutions.

t-0 brings USDT's deep global liquidity to regulated financial institutions. We provide the compliant, institutional-grade layer that makes stablecoin settlement a reality for global finance.

0

of all stablecoin cross-border payment volume is settled in USDT
For banks

Optimise liquidity and reduce FX exposure through instant, low cost, stablecoin net settlement.

For fintechs

Grow revenue, expand currency coverage and unlock new payment corridors powered by USDT liquidity.

For payment platforms

Collect and pay out globally through a single API, simplifying treasury and reconciliation.

Seamless movement between 1200+ FX pairs

On t-0, there are no 'hard' currency pairs. Our correspondent model allows you to pair any two supported currencies, creating 1200+ possible corridors for instant, low cost payments.

Unlock all currencies
USD

United States Dollar

EUR

Euro

CNY

Chinese Yuan

JPY

Japanese Yen

HKD

Hong Kong Dollar

SGD

Singapore Dollar

AED

United Arab Emirates Dirham

INR

Indian Rupee

HKD

Hong Kong Dollar

SGD

Singapore Dollar

MXN

Mexican Peso

BRL

Brazilian Real

ARS

Argentine Peso

COP

Colombian Peso

PEN

Peruvian Sol

KES

Kenyan Shilling

ZAR

South African Rand

NGN

Nigerian Naira

XOF

West African CFA Franc BCEAO

XAF

Central African CFA Franc BEAC

PHP

Philippine Peso

VND

Vietnamese Dong

IDR

Indonesian Rupiah

Frequently Asked Questions

Join the institutional stablecoin settlement network

Access the Network