6 February 2026 – Tether, the largest company in the digital asset industry, announces a strategic investment in t-0 network, a USD₮-powered settlement platform for licensed financial institutions, to enable instant, cost-effective cross-border payments.

t-0 network is a proprietary payments solution that connects financial institutions worldwide, enabling banks and fintechs to coordinate cross-border fiat-to-fiat payments with near-instant settlement and minimal fees by leveraging stablecoins as the core settlement infrastructure. This innovative approach reduces foreign exchange (FX) exposure, lowers capital requirements, creates new revenue opportunities for members worldwide, and eliminates the complexity of traditional banking.

t-0 network enables international payments to function like local transactions. Each side of a transaction pays or receives funds in their local currencies, while t-0’s global ledger records and matches transactions across financial institutions before settling balances, ensuring transparency and accuracy.  The network operates as a trusted, non-custodial infrastructure that enables secure, on-chain movement of funds between licensed partners. It connects licensed institutions through a single API and settles only the net balance at each partner’s chosen currency, delivering a more reliable and transparent model for international payments. 

USD₮ is a widely used digital dollar with deep global liquidity, making it accessible to businesses and individuals worldwide. t-0 network builds on this foundation to deliver regulated, programmable settlement between financial institutions, transforming USD₮’s global liquidity into an institutional-grade network for near instant, compliant cross-border value transfers.

“At Tether, we believe financial freedom should be easily accessible to everyone, and we are committed to delivering this through infrastructure that is fast, transparent, and globally scalable. The t-0 network directly addresses the complexity of international payments by combining real-time settlement, cost efficiency, FX transparency, and global reach. We are excited to support a platform that is transforming cross-border payments into a seamless, trusted experience for institutions worldwide,” said Paolo Ardoino, CEO of Tether.

“We built t-0 network to make borderless economic connection a reality,” said James Brownlee, CEO of t-0 network. “Our goal is to make global payments feel local, whether you’re a fintech in London or a bank in Buenos Aires. With Tether’s support, we’ve developed the infrastructure to remove friction between developed and emerging markets, enabling institutions everywhere to connect, transact, and grow on equal terms.”

This initiative underscores Tether’s commitment to supporting innovative financial infrastructure that enables real-world use cases for USD₮ and promotes global financial inclusion.