> ## Documentation Index > Fetch the complete documentation index at: https://developers.stellar.org/llms.txt > Use this file to discover all available pages before exploring further. # USDT0 on Stellar > USDT0 is available on the Stellar network. How it arrives, what it unlocks, the contract addresses, and what to check before you build. USDT0 on Stellar Network [Stellar Docs →](https://developers.stellar.org/docs/tokens/usdt0-layerzero.md) Sections # The asset with a unified supply *arrives on Stellar* USDT0 is now available on the Stellar network. USDT0 connects Stellar to **a unified USDT supply**, allowing USDT to move across networks without fragmenting supply. USDT0 is a native Stellar asset that works with your existing stack. ## Arrival — how USDT0 gets to Stellar The USDT0 supply chain. USDT on Ethereum is locked and unlocked with the USDT0 adapter. From there one flow forks: Ethereum mints USDT0 directly on Stellar through Stellar's own OFT contract, and Ethereum also mints USDT0 on every other USDT0 chain, with an OFT on each USDT0-compatible network. Any of those chains can burn its USDT0 so Stellar's OFT mints instead, which never touches Ethereum. Either way the Stellar OFT is the single entry point, and what it mints is USDT0 on Stellar, a native Stellar asset compatible with existing toolkits, which feeds payment rails, treasury balances, and lending markets. A dashed line shows the routes run the other way. Stellar’s OFT mints the USDT0, whether Ethereum locked the USDT or another chain burned its own. Every chain runs its own OFT; Ethereum alone locks the USDT that backs them all ([USDT0 developer docs](https://docs.usdt0.to/technical-documentation/developer)). ## Access — what USDT0 unlocks USDT0 Access to a new economy One asset · one supply USDT0 ### Access to a new economy The asset that brings access to new corridors, counterparties, and financial use cases on Stellar.
One asset, unified liquidity
USDT0 maintains a unified supply anchored to USDT on Ethereum, so liquidity isn’t fragmented across separate wrapped versions of the asset.
Built to move across networks
Operated by [Everdawn Labs](https://everdawn.to/), USDT0 connects Stellar to [26+ networks](https://analytics.usdt0.to/) through LayerZero’s OFT standard.
Payments #### Build with an asset already in use Support cross-border payments, payouts, remittances, and other dollar-denominated flows with USDT0. Treasury #### Power treasury and cash management products Give businesses and users a dollar-denominated asset for managing working capital. Collateral #### Put USDT0 to work Give lending markets a dollar-denominated asset to use as collateral or borrow against. Distribution #### One asset, many doors Every exchange, wallet, and fintech that lists it becomes an entry point to the Stellar network. ## Day one — what is already integrated You can access USDT0 today across these partners on Stellar. More to come on a rolling basis. ### Exchanges, DEXs & Lending Protocols Buy, sell, swap, and borrow against USDT0 on Stellar. ### Wallets Hold and send USDT0 on Stellar. ### Custody Institutional custody and treasury operations for USDT0 on Stellar. ### Fintechs & ramps Ramp services and fintech products using USDT0 in production, including cross-border payments across Africa. [Transfer USDT0 to Stellar →](https://usdt0.to/transfer) Balances move into and out of Stellar without a custodial bridge or a wrapped representation. Transfer time is set by the chain you send from — a couple of minutes from some networks, hours from others. The cost is that network's gas plus the LayerZero message, [quoted per route](https://docs.usdt0.to/technical-documentation/developer/) before you send. USDT0 itself charges no protocol fee on most routes; where one applies it is 0.03%, set per route. Receiving USDT0 needs a trustline on the destination account — see [requirements and limitations](#build). ## Deploy — adding USDT0 to your environment Live on Stellar Mainnet USDT0 is live on Stellar Mainnet. Add it to your wallet or environment. Test your integration by **moving a small amount end to end** before rolling out to your users. [View the asset on stellar.expert →](https://stellar.expert/explorer/public/asset/USDT0-GATISXX6BZ6NC7IKQBY37CJD4SOZL3CYZJWXEDG6JVIY4WBS6KXJHN6Q) [Contract deployments on docs.usdt0.to →](https://docs.usdt0.to/technical-documentation/deployments?q=stellar) **[This asset](https://stellar.expert/explorer/public/asset/USDT0-GATISXX6BZ6NC7IKQBY37CJD4SOZL3CYZJWXEDG6JVIY4WBS6KXJHN6Q) sets `auth_revocable` and `auth_clawback_enabled`** — the issuer can revoke a trustline or [clawback a balance](https://developers.stellar.org/docs/build/guides/transactions/clawbacks.md). `auth_required` is not set, so anyone can hold it. 💡 Soroswap maintains an [ecosystem token list](https://github.com/soroswap/token-list/tree/main/assets) covering both classic assets and contract tokens (community-maintained rather than an official Stellar registry, and widely used). ## Before you build — requirements and limitations What USDT0 on Stellar requires for integration. Trustlines **A trustline has to exist before the first payment lands.** Sending USDT0 to an account that has no USDT0 trustline fails with [`op_no_trust`](https://developers.stellar.org/docs/data/apis/horizon/api-reference/errors/result-codes/operation-specific/payment). A wallet may create it for you when you swap into USDT0 in-app; a transfer arriving from an exchange or another wallet has no such fallback. If you custody for users, create it during onboarding — [sponsored reserves](https://developers.stellar.org/docs/build/guides/transactions/sponsored-reserves.md) can cover the reserve. Decimals **The OFT reconciles a precision gap for you.** USDT0 on Stellar carries [seven decimals](https://developers.stellar.org/docs/learn/fundamentals/stellar-data-structures/assets.md); cross-chain transfers normalize to the OFT’s [six shared decimals](https://docs.layerzero.network/v2/concepts/technical-reference/oft-reference). Send 1.2345678 and 1.234567 moves; the remaining 0.0000008 is floored off as dust and refunded to you before the debit. Nothing to convert by hand — but account for it when you calculate or display an amount. Route limits **A route can enforce a minimum.** Minimum transfer amounts are set per contract, so call [`quote_oft`](https://docs.usdt0.to/technical-documentation/developer) for the route you intend to use rather than assuming any amount will go through. Backing **The backing sits in one contract.** USDT0's adapter on Ethereum holds the USDT behind the natively issued supply. Yield **USDT0 doesn't accrue yield.** It earns nothing sitting in a balance — any return has to come from the market you supply it to. Listings **Each venue decides which networks it supports.** One USDT0 doesn't mean every listing offers every route, so check what a partner actually enables before you send users to it. ## FAQ
Is USDT0 the same as USDT? No — it is a separate asset with its own contract, worth the same and backed 1:1 by USDT locked on Ethereum. The practical difference is deposits: a venue that supports USDT will not necessarily accept USDT0 on Stellar. Check your destination lists USDT0 on Stellar specifically before you send.
Which USDT0 on Stellar is the real one? The one issued by `GATISXX6BZ6NC7IKQBY37CJD4SOZL3CYZJWXEDG6JVIY4WBS6KXJHN6Q` — [check it on Stellar Expert](https://stellar.expert/explorer/public/asset/USDT0-GATISXX6BZ6NC7IKQBY37CJD4SOZL3CYZJWXEDG6JVIY4WBS6KXJHN6Q). Asset codes on Stellar are not unique — anyone can issue an asset called USDT0 — so identity is the code **and** the issuer together. Pin that issuer, and confirm the contract you derive from it matches `CBSJZEIO5C7KC2SF3MKSNXXJSW5G3VTNBX4ATMKUI3B2MR4JKM4R26YF`.
Why did my USDT0 payment fail with `op_no_trust`? The destination account has no USDT0 trustline, and one must exist before the first payment can land. A wallet often creates it when a user swaps into USDT0 in-app, but a transfer arriving from an exchange or another wallet has no such fallback. If you custody for users, create it during onboarding — [sponsored reserves](https://developers.stellar.org/docs/build/guides/transactions/sponsored-reserves.md) can cover the reserve.
How long does a transfer to Stellar take? It depends on the chain you send from, not on Stellar. Stellar finalises in 5–7 seconds; the wait is the source chain confirming and LayerZero verifying the message. From Polygon it is about a minute. From Ethereum, Arbitrum, Tron and Solana — the routes carrying most volume — expect roughly 18–21 minutes. A few low-traffic routes take hours. The [transfer UI](https://usdt0.to/transfer) quotes an estimate for your route before you send.
Why is my transfer slower than I expected? Usually because the figure you saw was a network-wide best case rather than your route. Nothing on the Stellar side is the bottleneck. If a transfer runs well past the estimate you were quoted, look up the message on [LayerZero Scan](https://layerzeroscan.com/analytics/networks), which indexes Stellar as a destination, to see which step it is sitting at. USDT0 lists [support contacts](https://docs.usdt0.to/resources/contact) for transfers that stall.
What does it cost to bring USDT0 to Stellar? Three separate things, and two different calls report them. USDT0's own protocol fee is zero on most routes and 0.03% where one applies: [`quote_oft`](https://docs.usdt0.to/technical-documentation/developer/) shows it as the gap between `amount_sent_ld` and `amount_received_ld`, so read it there rather than trusting a published number. The LayerZero messaging fee is separate and comes back from [`quote_send`](https://docs.usdt0.to/technical-documentation/developer/), paid in XLM when you send from Stellar — this is the part that varies most. And on Stellar, ordinary transactions cost a [minimum of 100 stroops](https://developers.stellar.org/docs/learn/fundamentals/fees-resource-limits-metering.md) per operation, which is unrelated to bridging.
What is the difference between the Open Mesh and the Legacy Mesh? On the Open Mesh each chain runs its own OFT contract, and moving between them burns on one side and mints on the other. The [Legacy Mesh](https://docs.usdt0.to/overview/the-legacy-mesh) connects chains where Tether had already deployed native USDT — Ethereum, Tron, TON, Arbitrum, Solana and Celo — through a shared non-custodial hub on Arbitrum, so those chains keep their existing USDT contracts rather than migrating.
Why did I receive slightly less than I sent? Rounding, in the last decimal places only. USDT0 on Stellar carries seven decimals; cross-chain transfers normalise to the OFT's six shared decimals. Send 1.2345678 and 1.234567 moves — the remaining 0.0000008 is floored off as dust and refunded to you before the debit.
Who can freeze or clawback USDT0 on Stellar? The issuer. The asset sets `auth_revocable` and `auth_clawback_enabled`, so the issuer can revoke a trustline or [clawback a balance](https://developers.stellar.org/docs/build/guides/transactions/clawbacks.md). `auth_required` is not set, so anyone can hold it without approval.
Asset
USDT0
Transfer
[usdt0.to](https://usdt0.to/transfer)
Networks
[26+](https://analytics.usdt0.to/)
USDT in circulation
[\$180B+](https://coinmarketcap.com/currencies/tether/)
Stellar settlement
[5–7s](https://developers.stellar.org/docs/learn/fundamentals/stellar-stack.md)
Stellar fee
[100 stroops min](https://developers.stellar.org/docs/learn/fundamentals/fees-resource-limits-metering.md)
Transfer to Stellar
[\~20min typical](https://usdt0.to/transfer)
**Sources** [USDT0 Docs](https://docs.usdt0.to/technical-documentation/developer/) [USDT0 deployments](https://docs.usdt0.to/technical-documentation/deployments?q=stellar) [Stellar Docs](https://developers.stellar.org/docs/tokens/usdt0-layerzero.md) [Stellar Lab](https://lab.stellar.org/smart-contracts/contract-list?\$=network\$id=mainnet\&label=Mainnet\&horizonUrl=https:////horizon.stellar.org\&rpcUrl=https:////mainnet.sorobanrpc.com\&passphrase=Public%20Global%20Stellar%20Network%20/;%20September%202015;\&smartContracts\$contractList\$activeTab=known-assets;;) [LayerZero on Stellar](https://docs.layerzero.network/v2/developers/stellar/overview) Stellar Development Foundation [Build on Stellar on X](https://x.com/BuildOnStellar)