t-0 Network
t-0 Network is a USDT-based peer-to-peer settlement network that connects licensed banks, fintechs, and payment platforms through a single API to enable near-instant, low-cost cross-border fiat payments across 50+ countries and 1200+ FX corridors.
- Company typePrivate
- Founded2025
- HeadquartersNew Castle, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What t-0 Network does
t-0 Network (legal entity: New Settlement Technologies Inc., incorporated in Delaware) is a private fintech infrastructure company that operates a peer-to-peer stablecoin settlement network for licensed financial institutions. The platform enables banks, fintechs, and payment platforms to coordinate cross-border fiat payments through a single API, using USDT as the core settlement layer. It claims coverage of 50+ countries, 20+ supported currencies, and 1200+ possible FX corridors, with settlement completed in under one hour versus the 2+ days typical of legacy correspondent rails.
The technical stack is organized around four components: a Real-time Order Book that matches pay-in and pay-out quotes in approximately 0.2 milliseconds; a Payment Orchestration layer that securely shares payment and Travel Rule information between participating institutions; a Net-Settlement Engine (patent-pending, described as the world's first continuous net-settlement system for stablecoin-based payments) that lets members net positions in USDT on demand; and an FX Order Book that enables any-to-any currency pairing through the correspondent model. Identity verification is handled through a Sumsub integration for KYC/KYB.
t-0 generates revenue through basis-point transaction and settlement fees on global transfers, plus FX spread revenue captured when institutions match quotes on the FX Order Book and execute volume on behalf of other network members. The company was incubated by Delphi Labs, strategically backed by Tether in February 2026, and is led by Co-founders James Brownlee (CEO), Stepan Romankov (CTO), and Anton Efimow (CSO), alongside Chief Growth Officer Chloe Nightingale. Its registered office is in Austin, Texas, and it is headquartered in New Castle, United States.
t-0 Network firmographics
Firmographics- Name
- t-0 Network
- Legal name
- New Settlement Technologies Inc.
- Website
- https://t-0.network
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- t-0 Network is a USDT-based peer-to-peer settlement network that connects licensed banks, fintechs, and payment platforms through a single API to enable near-instant, low-cost cross-border fiat payments across 50+ countries and 1200+ FX corridors.
- Ownership category
- akta.pro rank
t-0 Network industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Stablecoin Payment Rails & Settlement Networks (Issuer-Led) (FSADADAF)
- akta.pro secondary industries
- Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Payment Reconciliation, Reporting & Settlement Infrastructure (FSAGABAH)
Keywords
Where t-0 Network is headquartered
LocationHeadquarters
- HQ city
- New Castle
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
t-0 Network business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction/Settlement Fees: The platform charges basis points for global transfers rather than percentages. Institutions can execute payment volumes in their specialist currencies on behalf of other t-0 Network members, generating new business revenue through the correspondent model. Net-settlement in USDT reduces operational costs.
- FX Spread Revenue: Institutions can match quotes with other correspondents from t-0's FX Order Book, earning revenue through currency arbitrage and FX spread on cross-currency transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Institutional Access |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
t-0 Network product offering
Product offeringCore offering
t-0 Network operates a peer-to-peer stablecoin settlement network that connects licensed financial institutions globally to coordinate cross-border fiat payments. The platform exposes a single API that combines a real-time FX Order Book, payment orchestration (including Travel Rule-compliant information sharing), and a patent-pending continuous net-settlement engine that uses USDT as the core settlement layer across 1200+ corridors in 50+ countries.
Product overview
t-0 Network is a unified institutional settlement platform for stablecoin-powered payments, connecting licensed financial institutions through a single API integration. The platform comprises three core technology modules: a Real-time Order Book for instant FX quote matching, Payment Orchestration for secure Travel Rule-compliant information sharing, and a Settlement Engine providing continuous USDT-based net-settlement via a global ledger. The platform also features an FX Order Book enabling institutions to pair any two of 20+ supported currencies, creating 1200+ payment corridors. The system connects developed and emerging markets through licensed financial institution partners, supporting basis-point pricing rather than percentage-based FX costs.
Differentiator
Problem solved
Functional benefit
Products and services
- t-0 Network Settlement Platform A proprietary peer-to-peer stablecoin settlement network that connects licensed financial institutions, enabling banks, fintechs, and payment platforms to coordinate cross-border fiat payments at near-instant settlement speeds using USDT as the core settlement infrastructure.
Quantifiable outcome
- Settlement time reduced from 2+ days to <1 hour
- +3 more outcomes
Companies that use t-0 Network
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
t-0 Network technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
t-0 Network partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and supporting.
- Delphi LabscoreDelphi Labs, a leading blockchain R&D accelerator, incubated t-0 Network and supported its development as a team of traditional finance veterans built the platform.
- SumsubsupportingIdentity verification provider used for KYC/KYB compliance as part of t-0's security and regulatory compliance practices.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
t-0 Network competitors and assessment
Company assessmentBroad incumbents
- Visa Direct: Visa Direct enables real-time cross-border payouts via card rails and is increasingly exploring stablecoin settlement — a broader incumbent pushing into t-0's real-time cross-border niche.
- Wise: Wise (formerly TransferWise) operates a large cross-border payment network with multi-currency accounts and bank integrations, representing the established fintech incumbent competing for the same institutional cross-border use cases.
- Fireblocks: Fireblocks provides digital asset custody, payments, and settlement infrastructure for institutional clients. While broader in scope, its payment and settlement capabilities compete directly with t-0 for the same institutional customer base.
- MoneyGram: MoneyGram is a global remittance network that has launched its own stablecoin-based app and is integrating stablecoin settlement into its cross-border flows, directly competing for the same institutional and emerging-market corridor use cases.
Direct peers
- BVNK: BVNK is an enterprise-grade stablecoin payment infrastructure provider serving merchants and financial institutions with on/off-ramp and settlement capabilities — directly overlapping with t-0's institutional stablecoin settlement model.
- Ripple: Ripple operates RippleNet and the XRP Ledger for institutional cross-border payments and has launched the RLUSD stablecoin — a directly comparable institutional cross-border settlement network competing for the same licensed-FI customer base.
- Tranglo: Tranglo is a cross-border payments hub serving banks, fintechs, and mobile wallets with extensive emerging-market coverage, directly comparable to t-0's correspondent-network model.
- Stellar Development Foundation: Stellar is a blockchain purpose-built for cross-border payments and stablecoin issuance, with institutional payment partners serving similar emerging-market corridors as t-0.
Emerging players
- Circle: Circle issues USDC and has been building payment and settlement infrastructure (including the Arc blockchain). It is a comparable stablecoin-native settlement platform with a similar institutional GTM, but anchored on USDC rather than USDT.
- Paxos: Paxos issues regulated stablecoins (USDP, PYUSD) and operates settlement and tokenization infrastructure for institutions, overlapping with t-0's institutional stablecoin settlement value proposition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
t-0 Network social profiles
Digital presencet-0 Network compliance and trust
Trust signalCompliance1 record
t-0 Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
t-0 Network leadership team
Management profileNumber of profiles
Profiles4 records
t-0 Network funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
t-0 Network M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about t-0 Network
What does t-0 Network do?
t-0 Network operates a peer-to-peer stablecoin settlement network that connects licensed financial institutions globally to coordinate cross-border fiat payments. The platform exposes a single API that combines a real-time FX Order Book, payment orchestration (including Travel Rule-compliant information sharing), and a patent-pending continuous net-settlement engine that uses USDT as the core settlement layer across 1200+ corridors in 50+ countries.
Is t-0 Network a public or private company?
t-0 Network is a private company. It is classified as venture growth investor backed and is currently operating.
When was t-0 Network founded?
t-0 Network was founded in 2025. It employs 1 to 10 people.
Where is t-0 Network based?
t-0 Network is headquartered in New Castle, United States, in the North America region.
How does t-0 Network make money?
Two revenue lines are on record. Transaction/Settlement Fees are the primary driver. The others are FX Spread Revenue.
Who are t-0 Network's main competitors?
Broad incumbents on record are Visa Direct, Wise, Fireblocks and MoneyGram. Direct peers are BVNK, Ripple, Tranglo and Stellar Development Foundation. Emerging players are Circle and Paxos.
Does t-0 Network have an API?
Yes. t-0 Network provides application programming interfaces (APIs) that enable fiat-stablecoin transactions. The platform connects licensed financial institutions through a single API integration, enabling cross-border payments, FX quote matching, payment orchestration, and USDT-based net-settlement. The About Us page describes three core technology components: a real-time order book for instant quote matching, payment orchestration for sharing payment and Travel Rule information, and a settlement engine providing continuous net-settlement of stablecoin-based payments.
What industry is t-0 Network in?
t-0 Network's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSADADAF, Stablecoin Payment Rails & Settlement Networks (Issuer-Led), with a secondary code of FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity). Its NAICS code is 522320 and its SIC code is 6200.