t-0 network is a USD₮-powered settlement platform built for licensed financial institutions to enable instant, low-cost cross-border payments. It connects banks and fintechs through a single API, coordinating fiat-to-fiat transactions while using stablecoins as the underlying settlement layer. By netting balances and settling only final positions in each institution’s chosen currency, t-0 reduces FX exposure, lowers capital requirements, and eliminates traditional banking friction. Operating as a trusted, non-custodial network, t-0 delivers near-instant settlement, transparency, and accuracy—making international payments function like local transactions.