# t-0 Network > Money without borders t-0 Network is a stablecoin settlement company for cross-border payments. It connects licensed banks, fintechs, and payment platforms through a single API for near-instant, low-cost transfers. t-0 Network is a company that operates an institutional settlement platform for cross-border payments, connecting licensed financial institutions through a peer-to-peer network that uses a stablecoin as its core settlement asset. It is designed for banks, fintechs, and payment platforms that need to move money between countries without relying on traditional correspondent banking chains. The platform lets members collect and pay out funds in local currencies while settling net balances between each other on a shared ledger. The network addresses the delays and costs of legacy cross-border rails, where payments typically pass through several intermediary banks before reaching a recipient. Instead, t-0 matches pay-in and pay-out quotes through a real-time order book, exchanges compliance and payment data between institutions, and records transactions on a settlement engine that nets balances on demand. This reduces foreign exchange exposure for participants and shortens settlement from days to a shorter window. Core offerings include the real-time FX order book, payment orchestration for compliant data exchange, and the net-settlement engine, which together form a single API used by banks, fintechs, and payment platforms to route payments through local rails in multiple countries. The company is backed by a strategic investment from a major stablecoin issuer and was incubated by a blockchain research and development accelerator. It serves institutions seeking to generate new business by executing payment volumes on behalf of other network members. - Type: Company - Sector: Payments - Status: Active - Founded: 2026-02-01 - Profile: https://thegrid.id/profiles/t_0_network ## Products - [t-0 Network](https://thegrid.id/profiles/t_0_network): t-0 Network is an institutional settlement network for cross-border payments using USDT-based net settlement. It uses a real-time FX order book for quote matching, payment orchestration for secure data exchange, and a settlement engine that records transactions and nets balances between participants. Financial institutions such as banks, fintechs, and payment platforms use it to collect, settle, and pay out across borders through a single integration. (Payment network, Live, Main Product) ## Links - [Main](https://t-0.network) - [Privacy policy](https://t-0.network/privacy-policy) - [Twitter / X](https://x.com/t0network) - [LinkedIn](https://www.linkedin.com/company/t-0-network) - [Medium](https://medium.com/t-0-network) - [GitHub](https://github.com/t-0-network) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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